Financial Services

The Threat

Financial services is the primary target of AI-enabled identity fraud.

Synthetic identities, deepfake account openings, and AI voice clones now attack every channel financial institutions operate — simultaneously. VerifiNow closes the fraud surface by binding a verified identity to a live person at every critical touchpoint, regardless of channel.

Synthetic Identity Fraud

AI-constructed identities combining real SSNs with fabricated personal data pass credit bureau checks and open accounts that exist only to extract value. Biometric binding to a live person makes synthetic identities unverifiable at the source.

Deepfake Account Opening

AI-generated faces and voice clones deployed against remote onboarding flows at scale. VerifiNow's 3D active liveness detection and biometric binding defeat injection attacks and deepfake presentation at the moment of capture.

Account Takeover

Stolen credentials, SIM swaps, and social engineering give attackers access to legitimate accounts. Step-up biometric re-verification at sensitive actions confirms the account holder is present — not an attacker with a password.

First-Party Fraud

Legitimate identities used to obtain credit or access benefits with no intent to comply. Employment and income verification bound to a confirmed identity catches fabricated financial profiles before decisioning.

Mule Account Networks

Real people recruited to open accounts for criminal use. Biometric binding creates a traceable link between a verified individual and every account they open — across your institution.

Contact Center Impersonation

Attackers call in with stolen personal data to reset credentials or redirect funds. Agent-triggered biometric verification during the call confirms the caller's identity without handling sensitive data on the phone.

Omnichannel Identity Verification

One identity standard across every channel — in-person, web, mobile, and phone.

Your customers expect to do everything digitally. Fraudsters know it. VerifiNow delivers the same IAL2-grade identity binding standard at every touchpoint — so a verified customer at the branch is the same verified customer in your app, on your website, and on your contact center line.

In-Person & Branch

LiveVerifi turns any iOS or Android device into a forensic identity verification station at the branch counter — AAMVA-validated document authentication and biometric binding in seconds, without specialist hardware.

AAMVA barcode + ICAO MRZ validation at the counter
Biometric binding: live face matched to document photo
Works on any existing branch iOS or Android device
Audit record tied to branch transaction for BSA/AML trail

Web & Online Banking

Full identity binding embedded in any web-based onboarding, account opening, or high-value transaction flow — document authentication, biometric match, and liveness detection in a single event under 20 seconds.

Web SDK embeds into any browser-based application
Runs the complete binding flow without leaving your site
Fully white-labeled to your brand
Step-up re-verification triggered at configurable risk thresholds

Mobile Banking App

Native iOS and Android SDKs bring the complete identity binding flow into your mobile banking app — account opening, step-up authentication, and high-value transaction confirmation from the device your customers already use.

Native iOS and Android SDKs — full UI control
Biometric step-up at login and high-risk actions
React Native support for hybrid apps
Offline capture with sync for low-connectivity environments

Contact Center & Phone

When a customer calls in, agents send a secure biometric verification link via SMS — the customer completes identity binding on their device in under 20 seconds and the agent sees the confirmed result in their dashboard. No sensitive data spoken on the line.

Agent sends verification link via SMS during the call
Real-time result delivered to agent dashboard
No sensitive personal data spoken or handled by agents
Full audit trail on every call-based identity event

Critical Touchpoints

Verify identity at every high-risk moment in the customer lifecycle.

Account Opening

IAL2-grade identity binding at onboarding — document, biometric, and liveness in a single event before any account is created or credit extended

KYC / eKYC

Automated KYC pass/fail anchored to a biometrically verified identity — not just a name and document scan. Full audit trail for regulatory examination

Wire & ACH Transfers

Step-up biometric re-verification before high-value outbound transfers — confirms the account holder initiated the transaction, not an attacker

Password & Credential Reset

Biometric confirmation before any credential change — the most common account takeover vector, closed at the point of request

Loan & Credit Application

Identity binding + employment and income verification before any decisioning — eliminates synthetic identity lending and paystub fraud

New Payee / Beneficiary

Step-up biometric confirmation when adding a new payment destination — stops authorized push payment fraud at the point of setup

High-Value Branch Transactions

LiveVerifi at the counter for cash withdrawals, cashier's checks, and safe deposit box access — the same standard as digital, applied in person

Contact Center Authentication

Agent-triggered biometric verification during any inbound call — replaces knowledge-based authentication that social engineering defeats trivially

Compliance

Built to the regulatory standards that govern financial services.

BSA / AML

Timestamped, tamper-evident identity binding records on every verification event — formatted for BSA audit, SAR documentation, and FinCEN examination on demand.

KYC / CIP

Customer Identification Program-compliant identity proofing — document validation and biometric binding satisfy CIP requirements across both digital and in-person channels.

OFAC & Sanctions

Real-time screening against OFAC SDN, UN, EU, FATF, and 200+ global watchlists — bound to a verified identity for defensible compliance documentation.

GLBA

Identity verification controls that satisfy Gramm-Leach-Bliley Act safeguards requirements — protecting customer financial information at every access and transaction point.

FCRA

FCRA-compliant permissible purpose workflow for employment and income verification in lending and underwriting — documented consent and purpose at every request.

SOC 2 Type II

VerifiNow maintains SOC 2 Type II certification — independently audited security, availability, and confidentiality controls for every identity verification event we process.

BSA / AML

OFAC Screening

KYC / CIP

eKYC Ready

FCRA Compliant

GLBA

SOC 2 Type II

NIST IAL2

GDPR / CCPA

Stop synthetic identity fraud, deepfake attacks,
and AI-enabled account takeover.