KYC/AML compliance for banks downtown skyscrapers

KYC/AML compliance

Fight fraud and simplify the customer onboarding process with our enhanced digital identity verification, tailor-made for KYC AML regulations.

KYC/AML

A blended risk threshold

DIVE API provides everything a business needs to meet KYC/AML guidelines during account onboarding.

The platform offers multiple layers of fraud protection and customer due diligence, which can be weighted according to your risk profile. Customers who receive a risk score below what your business has deemed operationally viable can be asked to provide additional information or documentation, or referred to an agent for further identity confirmation.

Document verification

Our software performs algorithmic checks on the ID or passport.

Remote ID validation โ†’

Face match

Anti-spoofing guided selfie videos match the customer to their ID photo.

Face match selfies โ†’

Third party checks

Query various databases to confirm identity and assess business risk.

Third party queries โ†’

Simmons bank app digital onboarding

Learn how Jack Henry Open Anywhere utilizes DIVE API to provide customer onboarding with secure KYC/AML to hundreds of banks and credit unions.

Add third party checks

Enhance your KYC/AML by checking identity against international databases.

DMV Database Checks
DMV Data Verification Icon

Check customer identity against DMV databases in all available states to confirm ID issuance.

Learn more โ†’

IdentiFraud Checks
Reduce Identity Fraud Icon

Check identity against the SSA, known fraud lists, utility records, and public service records.

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Criminal Background Checks
Criminal background check icon

Query court records across the US to perform a criminal background check against a scanned ID.

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OFAC List Checks
OFAC checks icon

Check each customer against OFAC and EU sanctions lists to prevent money laundering.

Learn more โ†’

Politically Exposed Persons List
PEP list checks icon

Query global PEP lists to determine if individuals are politically exposed.

Learn more โ†’

Looking to integrate custom lists or other data sources?

KYC/AML

Remote ID validation

How do you verify documents remotely?

Our DIVE API technology performs algorithmic checks on ID using the camera on the customerโ€™s mobile device. This allows us to assess the IDโ€™s legitimacy as the first layer of fraud prevention and KYC/AML processes.


How is document verification part of KYC/AML?

Identity documents perform the basis for understanding your customer. Remote ID validation can assess the documentโ€™s authenticity, and face matching can ensure the individual matches their ID photo. PII can also be parsed from the ID and fed into third party database queries.


Remote ID verification using a mobile device
selfie face matching for KYC/AML
KYC/AML

Face matching via selfie

How does face matching work?

A facial template is created using the photo on the customerโ€™s ID. Later, when they initiate the selfie process, a 3D template is created and compared to the ID photo.


Why is face match an important part of KYC/AML?

Identity proofing typically requires use of some type of biometric identifier. Face match is easy to use because it can be compared to a government-issued ID, and requires no specialty hardware.


What is anti-spoofing?

Spoofing is a broad term that encompasses any attempt to fraudulently fool a facial recognition tool. Our anti-spoofing technology protects against photo attacks, replay attacks, and 3D mask attacks.


KYC/AML

Watchlist & database checks

Through our partners we are able to access global sanctions lists and watchlists to meet the most stringent KYC/AML standards. These include global sanctions and watchlists, political exposure lists, adverse media lists, Interpol wanted lists, and proprietary fraud lists.

NYC skyline

Our KYC/AML solutions provide deep confidence in customer identity.

Contact us today and enhance your know-your-customer protocols.

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