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.
Face match
Anti-spoofing guided selfie videos match the customer to their ID photo.
Third party checks
Query various databases to confirm identity and assess business risk.
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
Check customer identity against DMV databases in all available states to confirm ID issuance.
IdentiFraud Checks
Check identity against the SSA, known fraud lists, utility records, and public service records.
Criminal Background Checks
Query court records across the US to perform a criminal background check against a scanned ID.
OFAC List Checks
Check each customer against OFAC and EU sanctions lists to prevent money laundering.
Politically Exposed Persons List
Query global PEP lists to determine if individuals are politically exposed.
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 customer’s mobile device. This allows us to assess the ID’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 document’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.
KYC/AML
Face matching via selfie
How does face matching work?
A facial template is created using the photo on the customer’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.
Our KYC/AML solutions provide deep confidence in customer identity.
Contact us today and enhance your know-your-customer protocols.
