Why it's time to embrace digital right to work checks
The last few years gave employers a taste of how onboarding new starters remotely can speed up their hiring. At the start of the pandemic, the Home Office amended the guidance on right to work checks, allowing them to be performed via a video call. The temporary adjustment came after employers couldn’t physically check a candidate’s ID document to prove they could work in the UK. This workaround became incredibly popular, with HR and recruitment teams noticing increased efficiency, people getting into jobs faster and reduced recruitment times. After heavy lobbying from the recruitment industry and employers, the Home Office updated right to work guidance, making digital ID checks a permanent option from the 6th of April 2022. The new scheme falls under the DCMS’s (Department of Culture, Media and Sport) Identity and Attributes Trust Framework. This framework sets the rules and standards for organisations to carry out secure, trustworthy, and consistent digital identity checks. Employers can now use a certified digital identity service provider (IDSP) to digitise their ID checking process for right to work and DBS under this new framework. Despite this, challenges still exist, with some finding it difficult to determine if digital ID verification is truly the most cost-effective option for them. If you are undecided, here are five reasons why it’s time to embrace digital right to work checks in the pre-employment screening process. Avoid penalties and get better compliance A right to work check is necessary for all employees in the UK but many businesses see these checks as a simple box-ticking exercise. Unwittingly employing someone who doesn’t have the legal ability to work can have financial and reputational costs for a business. If a company is found guilty, it can be fined £20,000 for each illegal worker. However, being more diligent with checks has economic and social benefits, helping protect employees’ rights and preventing the exploitation of individuals. It can also help shield your employees, operations and reputation from damages. Protect your business against recruitment fraud For many, “fraud” is not necessarily something they believe can occur in recruitment. It’s typically associated with stolen credit cards or personal information used for forged credit card charges or illicit bank withdrawals. But recruitment fraud is a big problem both in the UK and internationally. A report by Crowe, in association with the University of Portsmouth, discovered that 80 per cent of 5,000 CVs checked included false information. Additionally, fake IDs being used to gain employment is a significant issue. The report uncovered that one organisation was providing over 3,000 counterfeit documents to people in the UK. It’s not just CVs and IDs being faked but certificates of qualifications too. In 2021 alone, Cifas members reported 226,000 instances of Identity Fraud to the National Fraud Database, and 39 per cent of filings made to the Internal Fraud Database were for false employment applications where the applicant had falsified their application which can include false qualifications. Employing a fraudulent candidate is a widespread issue that can affect any legitimate business. A mis-hire can not only be costly but can negatively impact company culture, reputation and customer relationships. Using a digital ID verification process is an easier and safer way to prove a new starter can legally work, and gives your HR and admin teams confidence that a candidate’s documents are genuine. That’s why making more robust checks a priority, with the help of an ID verification expert, can significantly reduce your exposure to data breaches and fight against identity theft. Safeguard employees’ personal information Current onboarding methods (seeing a new starter’s ID and gaining a photocopy) are time-consuming and can create a mountain of paperwork.. The chances of human error are also vastly increased. Checking an ID to determine its authenticity, and whether it’s tampered with or a fake, can be an intense process. Having HR and admin teams do the process manually also doesn’t guarantee accuracy every time – after all, it’s not their job to be fraud experts. Digital ID verification strengthens the process by supporting teams with a higher level of security and is much faster for new starters. They just take a photo of the front and back of their ID and then a selfie to verify their identity in real-time, saving valuable onboarding time. It also stops HR and admin teams from handling and storing sensitive information unsafely. Increase your talent pool HR and admin teams are seeking to embrace more automation in their recruitment and hiring processes, to help them reach more talent where the competition is high and provide a better candidate experience. Digitising right to work checks can help streamline the vetting process while ensuring that accurate hiring decisions are made. It allows you to reach a broader pool of applicants and removes geographic barriers to employment – people can prove their identity from any part of the country. Improve your hiring efficiency Partnering with an expert in digital ID verification can help you reach your growth objectives. A certified digital identity service provider (IDSP) can support HR teams in successfully hiring and onboarding at scale. Yoti and Post Office are the UK’s first certified digital identity service providers (IDSP). With our expertise in digital identity and Post Office’s vast experience helping people prove and manage their identity, we’re no ordinary IDSP. Our Digital ID and Post Office Easy ID app, Identity Verification service, and In-Branch Verification with the Post Office are the most comprehensive services available. Digital ID and Post Office Easy ID app The Yoti and EasyID app empower those who need to change jobs frequently with a reusable digital ID on their phone. They only need to verify their identity once with us. Afterwards, they can easily share their pre-verified identity details with a new employer. Identity verification service Embed our Identity verification service into your website or app to quickly onboard new starters with just an ID document and a selfie. In branch verification service Those who would prefer to receive human assistance can have their documents scanned and verified at a Post Office using our In-Branch verification service. With our three inclusive approaches, employers can help people complete ID verification for right to work and DBS checks in a more accessible, convenient way. We’re ready to change the game. It’s time to embrace a better approach. It’s time to go digital. Get in touch with us.
Why it’s time to automate your customer verification process
You want the digital experiences your business offers customers to be highly functional and efficient. At the same time, customers expect a seamless online experience, as well as frictionless and secure payment choices. In order to meet those needs, verifying your customer’s identity with Artificial Intelligence (AI) and machine learning should be a fundamental first step for every business to deliver better online customer onboarding processes. However, many companies are still relying on outdated processes, causing unnecessary friction for customers and exposing their businesses to errors and potential costly reputational damage. Automating certain parts of the identity verification process with AI encourages digital user experiences without compromising usability. It also provides better security and protects your customers, business and services from fraud in the digital world. Here’s our guide to why you need the process and why our solution can provide you with the right level of automated identity verification. What is automated identity verification? Automated identity verification uses artificial intelligence and machine learning to strengthen the verification process. With a higher level of security and more efficient ID checks, it’s easier than ever to prove who your customers really are. In the broader sense, automation can support essential business needs: Improve internal operations Increase response time Assist in necessary manual checks Reduce costly errors Get higher success rates Provide more accurate, quality data for better decision making What does your company achieve with automation? When you automate, you can: Have a streamlined user experience: Provide a smoother experience for customers. Achieve a faster onboarding process and reduce drop off rates. Handle spikes in the volumes of onboarding: By automating some or most parts of the process, you can reduce the time taken to verify new users manually and improve your team’s speed. Design your own user flows: With automation, you choose where to add verification within your carefully crafted user experience. Reduce internal costs: Using automated processes allows you to choose how much of the verification process to optimise, making it cheaper for you and more efficient for customers. Scale globally across multiple jurisdictions: Entering new markets is challenging, but with automation, you will successfully serve multiple jurisdictions without increasing cost. Plus, your teams are better equipped to verify users in newer markets in line with regional regulations. Make AML, KYC processes more robust: Automated AML helps teams check and investigate more profiles a lot faster than manual evaluation. Provide your teams with accurate quality data and the capability to react quickly to detected misuse. Your teams can mitigate risk and reduce the possibility of exposing your customers or business to fraud. What processes can be automated? With our complete solution, you can automate any part of the verification process, from the document and facial verification to anti-money laundering watchlist screening. This way the level of automation you use works alongside your industry requirements. Here’s what processes you can automate: Data extraction checks. We extract data using Optical Character Recognition (OCR) from the document’s visual zone or by reading Machine Readable Zone (MRZ), barcodes or PDF417 barcodes whenever present (On North American documents it is printed on the back of the card). Using Near Field Communication (NFC) for ePassports, we can read the chip data, including the photo. ID document authenticity checks. Our AI and machine learning systems can do multiple comprehensive checks on an ID document to ensure valid data. We scan the document against police databases to check they are not fraudulent, reported, lost or stolen. We test to ensure that the document is original (not a copy or damaged) and doesn’t have signs of tampering. Biometric face match. Using machine learning, we assess whether the user’s face matches the face on the checked ID document. Our systems can quickly evaluate the face of customers against their ID’s image to identify and match their characteristics accurately. Liveness detection. Our AI confidently detects that a person is physically present to prevent spoofing attacks and checks that your user is a real person. We can accurately detect that the image is not an automated bot. Likewise, it is not a bad actor wearing a mask or using a photo of someone else. Address verification. To assist your teams when needing to complete proof of address, we’ll extract customer address information from supporting documents like a utility bill or bank statement using OCR technology. We’ll check their name, date of birth, or address against an official third-party database. AML watchlist screening. Your compliance teams can automatically screen extracted customer details against thousands of AML databases as part of the identity verification process: Sanctions and watchlists. Against 1,000 global government regulatory and law enforcement watchlists and over 100 International and National Sanctions lists. Politically Exposed Persons (PEP). To comply with enhanced due diligence (EDD) regulations, we can screen customers against a database of more than 5,000 structured sources that are monitored daily. Adverse media. We screen against the world’s most accurate database of adverse information and media entities. The data is collated into a comprehensive, structured profile through machine learning classification techniques. Relevant adverse articles related to a single entity are presented in one structured profile with FATF-aligned categorisation. Ongoing monitoring. We can monitor a user’s profiles or entities on an ongoing basis with automated adverse information and media monitoring. You can receive alerts to any changes in a customer or business client’s risk status against real-time databases. What are the challenges of automated identity verification? While automation can benefit your business with improved processes and help get customers through faster, it doesn’t replace human experts with knowledge and experience in verification. A combination of automation and human experts is needed for those tricker submissions. That is why we champion a hybrid approach. This approach provides a balance of automation for some, and where required, an added layer of security that automation is not capable of delivering to the process. Our leading AI technology is enhanced with our expertly-trained identity verification specialists. Layering in verification specialists gives you a 100 per cent document submission rate. It provides you with a multifaceted defence against fraud. As a result, your platform is built on solid identity verification that is more accurate, secure, and faster to detect misuse. Get the right level of automation
Explore cards - What are Yoti cards and how do we use them in the Digital ID app?
Making Yoti relevant and useful whilst preserving privacy We want to make sure that the Yoti app is useful to our whole community. We built Explore – a place where you can discover where you can use your digital ID. We also have some special offers for community members. This will look exactly the same in the Post Office EasyID app. Country-specific content In your digital ID app, you will only see content that is relevant to your country. This means that we only show you partners that you can use your digital ID with or offers that are available in your country. The app knows which country you are in by using your phone number’s country code. We do not use geolocation information to do this. This may mean that when you travel to a different country, you will still see offers only relevant to your phone number’s country code. Keeping children safe Some of the organisations that accept our digital ID apps require their users or customers to be over a certain age. For example, buying alcohol from an online store or using an age-restricted social media provider. To ensure we adhere to the UK Childrens’ Code and similar Childrens’ Codes that are evolving in other countries, all users will only see content that promotes age-restricted products once your digital ID app knows you are the appropriate age. Your app will only recognise you’re the appropriate age if you have uploaded your ID. The app will automatically be updated to show you appropriate content. This information about your age is not seen by anyone at Yoti because we cannot access your personal data. Our Privacy first approach means you will see content that may not seem relevant to you. Other than country-specific and age-related content, we will not (and cannot) show you content that is specifically appropriate for you. This is because we have no access to your online browsing history, and we do not record how you as an individual use the app. We do not ‘learn’ from your behaviours. When you click on an Explore card, we do not track your onward journey. We do not and will not send or sell any of your personal data to the next site that you visit unless you expressly consent via your app to share the data. You always have to consent to sharing information with other companies if you choose to visit their site. This means that using your digital ID app is much more like going to your local shopping mall than typical online shopping. We think this is a better, more private way to shop. You make all the decisions. No one is trying to nudge you towards buying something. You are simply able to browse anonymously without anyone knowing what things interest you. Making content more relevant in the future As we get more partners and offers into the app, we will try to make the offers more relevant to you. But we will still never profile you. To start with, you will be able to filter by category. So, if you just want to see what special offers are available, you will be able to go straight there. If you just want to get some advice on how to stay safe online, the information will be there. As we develop further we will let you tell us what information you’d like to see. And to reiterate, if you never want to see offers and simply want to read the latest news about Yoti, we will let you tell us what you want to see. If you then change your mind, you can always reset to see everything once again. In the meantime, please do use the Feedback area of the app to tell us more about the type of content you would find useful. Yoti sometimes makes money from partners and offers in the app We think it is important to be up front about the way businesses make money. Yoti makes money by charging businesses who need to verify your identity. Some of our partners also choose to feature their products within the Yoti app. We charge some of those businesses a small marketing fee, usually a percentage of the money you pay them. We always do our due diligence on partners promoted within our app to make sure they are legitimate businesses. However, it is important to clarify we are not a price comparison app. This means we cannot guarantee we will be showing you the lowest price for a product. We will, however, do our best to ensure it is a good deal for the community. By working with our business partners in this way we’re able to keep our app free for individuals like you. We have new businesses signing up every week to use Yoti. So make sure you check your Yoti app regularly to learn more about what we’re up to and see how you can make the most of your digital ID.
Get ahead of new age and identity verification regulations with our handy guide to know your customer (KYC) processes
It’s no longer financial institutions, real estate, art dealers, casinos, lawyers, and accountants who are the main targets for financial crimes online. Criminals are finding it harder to use them for money laundering due to rigorous regulations and effective know your customer (KYC) processes. To go undetected, they have set their sights on online multiplayer gaming, online marketplaces, FinTech, online gambling and many more small and medium businesses. Lawbreakers are attracted to these platforms because they have little to no anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. For example, multiplayer online gaming platforms have experienced a rise in illicit activities on platforms. According to Newzoo’s report, 35 per cent of UK gamers have had a negative experience when paying online, and 18 per cent have experienced fraud while paying for games. Criminals can purchase in-game content or credit (often through prepaid cards), sell these to other users (possibly at a discount) and then receive cash credited to their account from that legitimate source. It’s a type of money laundering that can go undetected by a customer and by you, but its impact hasn’t gone unnoticed by the Financial Action Task Force (FAFT). Recommendations issued by the FATF define criminal justice and regulatory measures that should be implemented to counter this problem. They recently published guidance on virtual assets and virtual asset service providers (VASPs), explaining that these industries should come under anti-money laundering regulatory guidelines. Necessary measures are set to increase in the coming years. However, it will be an entirely new process for many online service providers to follow in order to protect their business and customers. For experienced industries, it’s challenging enough to be compliant. Suppose your industry is one of the businesses providing innovative ways consumers’ access entertainment, gaming, shopping, gambling, banking, and more. To be proactive in protecting them and your business, here’s our quick guide to help you prepare for the changes and hit the ground running to smash those requirements. What is Know Your Customer? Know your customer (KYC) is a set of processes that gather personally identifiable information to understand if a customer is genuine and will not attempt to use your services for illicit activities. The best place to do KYC checks is during the customer onboarding process, as it is the first step with every new customer. Otherwise, you could unwittingly facilitate fraud, leave your services vulnerable to costly reputation damage, and risk losing genuine customers’ trust. Last year, 198 fines, totalling 10.4 billion dollars, were issued globally against financial institutions for non-compliance with AML, KYC, data privacy and MiFID (Markets in Financial Instruments Directive) regulations. What is the difference between AML and KYC? AML is a broader framework that refers to a range of the policies, regulations and procedures businesses must have to identify, monitor and report any illicit activities. KYC is the first line of defence in an AML program. It ensures your customer is who they say they are. Plus, it helps you assess the level of money laundering risk a customer might present. What is Customer Due Diligence (CDD)? Customer due diligence (CDD) is various components of the identification collection of data. CDD is effective at managing any potential risk to your business. The process of gathering customer data about their identity, background and activities to evaluate what level of potential risk (high or low) a customer falls under. Once your business has a payment processor, it’s your responsibility to check the source of the funds. Your industry and business needs will predetermine the risk criteria and when to apply them. The Law Society explains that Under regulation 27 of the Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017 (MLR 2017), you must carry out CDD measures when: establishing a business relationship carrying out an occasional transaction that amounts to 15,000€ or more you suspect money laundering or terrorist financing you doubt the accuracy or adequacy of documents or information previously obtained for CDD We will cover when you are required to carry out CDD below. How does the KYC process work? Firstly, there are three critical best practices to KYC that you must ensure to: Establish the customer’s identity Understand the nature of the customer’s activities (means to satisfy that the customer’s funds are from a legitimate source) Evaluate what level of money laundering risk they could pose Here is how those key elements work within your customer onboarding process. 1. Establish the customer’s identity It starts with collecting basic information about your customer, which is done using digital identity verification technology (we’ll dive into its role in more detail later). In America and some other jurisdictions, it is referred to as a customer identification program (CIP). It follows the same method of collecting basic data to confirm your potential user’s details and identity are genuine, so you’re sure they are who they say they are. The basic information needed is their name, address, date of birth, requested identification documents such as a passport or driving licence, and documents confirming proof of address. The FAFT currently recommends a risk-based approach for industries experienced in complying with AML -This will differ for every industry. Therefore, you would be required to assess the potential risk to your business to understand the level of KYC or the amount of information your business will need to collect. 2. Assess the risk by practising Due Diligence There are three recommended due diligence practices you could add to your KYC process: Simplified Due Diligence (SDD): This involves identifying your customer and making sure they are who they say they are. As mentioned above, this is performed on all customers during onboarding using digital identity verification. It’s you being confident that the user has zero to no intent of misusing your platform. Customer Due Diligence (CDD): This is commonly referred to as standard due diligence (SDD). It’s used for customers and transactions that present a low risk, where you’re satisfied that the business relationship or transaction presents a low risk of money laundering or terrorist financing. At this level, you must continue to monitor low-risk accounts to spot any red flags or suspicious activity. Enhanced Due Diligence (EDD): EDD occurs when the risk for money laundering or terrorist financing through the services you provide is high. It requires you to carry out deeper additional checks to verify your customer’s identity and understand their activity in order to mitigate any risks. There are many circumstances and factors where the risk of money laundering is high, and you’ll need to carry out EDD measures. Risk factors include customer, country, product or services. For example, customer risk factors can affect gaming industries in the gambling sector because it is a cash-intensive business. The risk of illegal activity by customers is considered high. Things to note: It is a business’s responsibility to put policies in place that define when EDD should be triggered. To provide guidance around this, it could trigger when the customer is a foreign national, resident in a high risk or high secrecy jurisdiction, involved in a high-risk industry (as defined by FATF), a high-value transaction (thresholds are set by JMLSG, FATF, regulators), politically exposed or just doesn’t smell right. EDD must also include looking for publicly available information from reliable sources for adverse information, media or allegations of criminality. Satisfying the source of funds and source of wealth is also part of the EDD. 3. Ongoing monitoring: Evaluate the money laundering risk Identification and screening of customers are vital to the onboarding process. To protect businesses from becoming vulnerable to illicit activities later on, they must monitor customers on an ongoing basis and keep an auditable record of all checks. This is to spot if there are any changes in customer activities that pose a risk. The role of digital identity verification solutions in KYC Regulations are constantly changing and evolving as new vulnerabilities pop up. As online access grows, experienced industries are using digital identity verification solutions more regularly to maintain compliance and manage the identity process. In fact, it is encouraged by the FAFT to use artificial intelligence (AI) and machine learning to improve how you do those KYC checks. AI and machine learning help to improve the accuracy of KYC checks, reducing the possibility of criminals using false or stolen identities from entering your platform. It gives you a better quality of data and helps to manage customer identification efficiently. Not to mention, an identity verification solution makes requesting and verifying an ID match to a real person more straightforward for the customer. It uses a customer’s biometrics to correctly match it to their ID (passport/driving licence), along with checking that the document is an authentic one. How Yoti can support you We help you proactively carry out KYC checks without affecting the customer onboarding experience while accurately identifying potential risks. The verification system fits within your current user flow without disrupting your customers. Our identity verification solution is a hybrid of AI technology enhanced by a team of expertly-trained identity verification specialists. Working together, using AI and fraud experts allows you to detect potential risk and misuse accurately. To ensure only genuine users get through your identity checks, we can do necessary identity checks and enhanced checks as per your industry requirements. We can verify proof of address documents, check your customer’s name, date of birth, or address against an official database and screen against AML watchlist using global databases (Sanctions and watchlist, PEP, adverse media, and ongoing monitoring). How do your customers prove who they are? For your customers, it’s as easy as capturing an image of their ID document and a biometric selfie. Robust identity verification in 3 steps: Select the issuing country and type of ID, such as passport, ePassport, or driving license Take a photo of the front and back of the document via a mobile phone or computer camera Take a selfie using a phone or computer camera See how we make it hassle-free to verify your customer’s identity. Try it now for yourself
How to strike a balance between fraud prevention and seamless customer onboarding
Our Identity Verification solution makes onboarding as hassle-free as possible for your users. Digital identity verification has become a crucial part of onboarding customers, with businesses needing to check that they are genuine, protect customers’ data and mitigate fraud. Having identity verification embedded into your online customer journey ensures you have identified and verified your customers’ identities. Even so, it can be challenging to establish a balance. Finding the best way to streamline the customer’s digital experience while complying with know your customer (KYC), anti-money laundering (AML) industry requirements isn’t easy. Businesses are often forced to choose between robust security to prevent fraud or providing a frictionless user onboarding experience. Competition is tough, no matter the industry. Businesses are focused on making the online customer journey faster and more streamlined. The call is often to reduce the level of friction experienced to keep customers coming back. While this could speed up onboarding and transaction processes, it will cost your business a customers’ trust and puts your online services at risk of misuse. Customers need to trust your business with their personal information, and they also expect a certain level of friction. Digital identity verification is necessary friction that is an essential factor in building trust with customers remotely. Every industry is different, and their need for a verification system will differ, which is why a digital identity verification solution needs to be flexible and scalable enough to meet those needs. The correct identity verification method can help you strike a balance between KYC requirements and having the right level of friction that doesn’t negatively impact the customer experience. Let’s look at how you can achieve that balance. How do you streamline the identity verification process? Our Identity Verification solution makes the onboarding process simple while protecting your business, ensures you’re in line with KYC, AML compliance and helps you reduce drop off rates. Our verification system fits within your current user flow without disrupting your customers. It is a cross-platform solution that allows you to integrate your way. We give you a complete solution that lets you: Verify the identities of your customers your way. Simply configure the checks you need in line with your industry and security requirements. Only pay for the types of checks you need your users to complete. For example, if you just need to capture an image of your users’ ID document or require matching the person in real-time to the image on their ID, you only configure those types of checks to be carried out. Deliver the right level of friction after onboarding. For higher-risk industries, we can enhance the type of checks you need. Our Identity Verification solution is scalable and gives you the capability to integrate our other solutions into your user flow. Let’s say you’re in the gambling industry. You already use our Identity Verification solution and now need to perform age checks. You can save the high-assurance identity checks for those that need them. With our facial age estimation technology, you can keep the onboarding process free of checks and scan accounts at scale. This allows you to detect the most at-risk accounts and introduce friction to those most likely to not be the required age by asking them to prove their age with an ID document. Connect with our solution to fit the size of your business. For a fully-branded customer experience, you can place our verification technology in your existing flow with our SDKs built for web, mobile web and native mobile apps. For smaller businesses that require low-volume checks, it’s not always worth the time and resources to integrate. Our no-code portal lets you send your customers to complete the verification flow via a web link and manage the results in a simple dashboard. Protect your customers’ data. Quickly verify the identity of your customers and receive a granular view of checks and an overall recommendation. We offer you flexible data retention options to reduce your exposure to data leaks and ensure GDPR compliance. Businesses can store the data encrypted on our servers and call API for results without having to store the information on their systems. Scale globally and securely. We support 1,000 ID documents from over 200 countries, allowing you to scale globally and serve multiple jurisdictions. Our identity verification specialists are expertly trained in verifying documents from across the globe, helping you detect fraud and reduce the cost of damages. How do your customers prove who they are? The user flow gives your customers a simple way to prove who they are with just a government-issued ID document and a biometric selfie. Robust identity verification in 3 steps: Select the issuing country and type of ID – passport, ePassport, or driving license. Take a photo of the front and back of the document via a mobile phone or computer camera. Take a selfie using a phone or computer camera. See how it works Seamless identity verification directly on your website or app: How do we verify your customer’s identity? Our hybrid of leading artificial intelligence (AI) technology is enhanced by a team of expertly-trained identity verification specialists. Using a combined approach helps to make our verification systems more accurate, secure and faster at detecting misuse. Let’s look at the different identity verification methods. Document verification Data extraction: We extract data from a document using Optical Character Recognition (OCR) from the document’s visual zone or by reading Machine Readable Zone (MRZ) or barcodes. We read the PDF417 barcodes whenever it’s present (for example, on North American documents where it is printed on the back of the card). For ePassports, our native mobile SDKs can read the chip data, including the photo, using Near Field Communication (NFC). We also can verify the digital signatures as part of the document’s authenticity checks. We use a combination of data extraction methods, both automatic and manual, to ensure we have an optimum solution for each document type within the wide range of documents we support. Depending on your business’s risk appetite, you can choose to configure our verification system to ‘fallback’ to manual data extraction or to ‘always’ have a human check the data extraction, even if the automatic extraction was successful. Document authenticity checks: We use a combination of world-leading AI and dedicated 24/7 identity verification specialists to perform multiple checks. Our hybrid approach ensures that ID document checks determine that they are original, not a copy or damaged and that the document doesn’t have signs of tampering. This provides the highest level of assurance that an ID document is genuine. Facial verification Biometric liveness detection: To ensure your users are real and to prevent spoofing attacks, our AI liveness detection confidently detects that a person is physically present when the image is captured. We can accurately detect that the image is not an automated bot. Likewise, it is not a bad actor wearing a mask or using a photo of someone else. Biometric face match: We assess whether the user’s face matches the face on the checked ID document. We can enhance the checks as per industry requirements. Proof of address verification Receive a proof of address document or verify a customer’s address -they can upload a supporting document like a utility bill or bank statement. Checking a customer’s address can be done in two parts: Capture an image of the supporting document, and using OCR technology, we can also extract the address information and manually review the data. Verify the customer’s address against a relevant third-party database. Trusted third-party database checks We can check your customer’s name, date of birth, or address against an official database for additional security. AML watchlist screening You can screen your customer’s details against the following major global databases: Sanctions and watchlists: We can screen customers’ profiles against 1,000 global government regulatory and law enforcement watchlists and over 100 International and National Sanctions lists, updated in real-time. Politically Exposed Persons (PEP): In high-risk situations where customers are linked to higher-risk countries or business sectors, businesses can comply with enhanced due diligence (EDD) regulations by screening against a database of more than 5,000 structured sources that are monitored daily. Adverse media: We screen against the world’s most accurate database of adverse information and media entities, collated into a comprehensive, structured profile through machine learning classification techniques. Relevant adverse articles related to a single entity are collated in one structured profile with FATF-aligned categorisation. Ongoing monitoring: We can monitor a user’s profiles or entities on an ongoing basis with automated adverse information and media monitoring. You can receive alerts to any changes in a customer or business client’s risk status against real-time databases. Know your customers and protect each other against fraud Make it more convenient for your customers while protecting them and your business. Our identity verification system is intuitive and recognises that you need to strike a balance between stopping fraud and having the right level of friction necessary without impacting the customer experience.
Be the company people trust: why you need to prioritise data privacy