eKYC, AML, employment, and income verification, bound to a verified identity.
Identity binding confirms a person is real and present. The Trust & Compliance Suite adds the intelligence layer — KYC, AML, Employment Verification, and Income Verification, all bound to that verified identity in a single decisioning flow.
Know Your Customer — confirmed against a live, verified person.
Identity Binding + KYC
Standard KYC matches a name to a document. VerifiNow's eKYC binds a regulatory-grade identity proofing event — document, biometric, liveness — to the KYC decisioning record. Every KYC result is anchored to a confirmed live person.
- NIST IAL2-grade identity proofing as KYC foundation
- Document + biometric + liveness in a single event
- Automated KYC pass/fail with manual review escalation
- Full audit trail for regulatory examination
Ongoing Monitoring
Initial KYC is a point-in-time check. VerifiNow supports ongoing identity monitoring — step-up re-verification at configurable risk triggers, ensuring your KYC posture stays current throughout the customer relationship.
- Step-up re-verification at high-risk transaction events
- Periodic identity refresh on configurable schedules
- Change-of-identity detection and alert workflows
- Biometric binding continuity across re-verifications
Screen against 200+ global watchlists — bound to a confirmed identity.
OFAC Sanctions Screening
Real-time screening against OFAC's SDN and Consolidated Sanctions lists. Results bound to a biometrically verified identity — not a name string that anyone can misspell around.
Global Watchlist Screening
Screening against UN, EU, FATF, and 200+ additional global sanctions and watchlists. Fuzzy matching with configurable sensitivity to balance compliance with false positive rates.
PEP Screening
Politically Exposed Person identification across global PEP databases — bound to a verified identity for defensible enhanced due diligence documentation.
Adverse Media
Real-time adverse media screening across global news sources — detecting financial crime, fraud, and regulatory enforcement coverage associated with a verified identity.
Continuous Monitoring
Ongoing watchlist monitoring with real-time alerts when a customer's status changes — new sanctions designations, PEP additions, or adverse media events trigger immediate notification.
BSA / AML Audit Trail
Every screening event timestamped and stored — complete BSA/AML audit documentation ready for FinCEN examination, correspondent banking review, or internal compliance audit.
Real data from sources of record — not documents anyone can fake.
Employment Verification
Real-time employer confirmation from payroll and HR data sources — bound to a biometrically verified identity. Eliminates paystub fraud and fabricated employment claims in lending, onboarding, and benefits workflows.
- Real-time employment status from payroll sources
- Employer name, tenure, and employment type confirmed
- Bound to verified identity — not a submitted document
- FCRA-compliant permissible purpose workflow
Income Verification
Verified income data from financial and payroll sources — bound to a confirmed individual for lending, underwriting, and benefits decisions that require more than a bank statement anyone can edit.
- Gross and net income from sources of record
- Income stability and consistency analysis
- Multiple income stream aggregation
- Bound to biometrically verified borrower identity
Compliance that moves at the speed of your business.
See the Trust & Compliance Suite in a 30-minute demo tailored to your industry.
