Ghost students — fictitious or stolen identities exploiting digital admissions workflows — cost institutions millions annually in fraudulent Title IV disbursements. VerifiNow stops them with NIST IAL2-grade identity binding accepted by the Department of Education's Federal Student Aid office.
Fully online enrollment processes, remote financial aid disbursement, and weak identity checks have created a multi-billion-dollar attack surface. Fraudsters apply using stolen SSNs, fabricated credentials, and synthetic identities — collect financial aid disbursements — and vanish before detection.
Fictitious or stolen-identity enrollments designed solely to collect Title IV financial aid disbursements. Often automated at scale with synthetic identity profiles that pass basic document checks.
A paying student sends a proxy to take an entrance exam, proctored test, or certification assessment. Without biometric binding, there's no way to confirm the enrolled student is the one sitting the exam.
Once enrolled — legitimately or fraudulently — identity fraud enables unauthorized financial aid applications, FAFSA manipulation, and disbursement to unintended recipients.
The Department of Education's Federal Student Aid office has updated its identity verification requirements under FSA V4 and V5. Remote identity proofing for Title IV programs must now meet NIST Special Publication 800-63A Identity Assurance Level 2 (IAL2) — the standard VerifiNow is built to satisfy.
IAL2 mandates identity evidence collection (government-issued ID), validation against authoritative sources, and identity verification that the applicant is the owner of the claimed identity — all performed remotely.
VerifiNow's remote identity proofing flow satisfies every IAL2 requirement — and generates the documentation needed for FSA audits.
VerifiNow supports institutions transitioning to updated Federal Student Aid identity verification requirements under both V4 and V5 frameworks.
Every enrollment verification event generates an audit record that documents IAL2-grade identity proofing — defensible in DOE audit and appeals processes.
Fully asynchronous remote identity proofing — no in-person requirement, no specialist equipment. Students complete verification from any device in under 20 seconds.
Biometric identity binding at the moment of enrollment — confirming the applicant is a real, live person whose face matches a government-issued ID. Ghost students are stopped before they ever become enrolled.
NIST IAL2-compliant identity confirmation for Title IV financial aid workflows — protecting Pell Grants, Direct Loans, and institutional aid from fraudulent applications and unauthorized disbursements.
Identity binding at the start of every remote exam, proctored assessment, or live class session — confirming the enrolled student is the person attending, not a paid proxy.
Step-up identity verification for student portal access, transcript requests, grade changes, and other high-value student services — binding every sensitive action to the enrolled, verified student.
Extend the same IAL2-grade identity binding to faculty and staff hiring — ensuring the person you hired is the person who shows up, with credentials that belong to them.
LiveVerifi at campus events, in-person exam centers, and student service counters — the same forensic identity standard in physical settings that VerifiNow delivers online.
AAMVA-validated driver's license and state ID authentication, ICAO MRZ validation on passports — government-issued identity evidence confirmed against issuing source data.
Live face captured and matched against the verified document photo. AI-scored biometric comparison with configurable confidence thresholds for your risk tolerance.
Active 3D liveness analysis defeats photo, video, 3D mask, and deepfake presentation attacks — confirming a live person is present during every proofing event.
Every proofing event generates a timestamped, tamper-evident record documenting each step: document capture, validation result, biometric match score, and liveness outcome.
Native Slate CRM integration and REST API connections to your SIS — VerifiNow binding results flow directly into enrollment records without manual steps.
Audit-ready documentation on every verification event — formatted for DOE, Program Review, accreditor, and internal compliance review on demand.
See VerifiNow's IAL2-grade identity verification in a 30-minute demo tailored to higher education.