Trust & Compliance Suite

Verify who they are. Then verify everything they claim.

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.

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KYC & eKYC

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

AML & Sanctions

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.

Employment & Income

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