Consumer Onboarding Standard
What is Consumer Onboarding?
The Consumer Onboarding solution is a preconfigured RiskOS™ workflow that verifies consumer identity, screens for fraud, and enforces compliance in a unified onboarding workflow. It orchestrates multiple enrichments — identity verification, device intelligence, fraud scoring, and watchlist screening — to produce an ACCEPT, REVIEW, or REJECT decision with minimal friction for low-risk applicants while escalating higher-risk applicants to additional verification steps when necessary.
Consumer Onboarding supports digital account opening where organizations must balance KYC/AML compliance, fraud prevention, and conversion.
Common use cases
- Bank accounts, credit cards, and loans
- Digital wallets, P2P payments, and remittances
- Brokerage and investment accounts
- Buy now, pay later (BNPL) and fintech accounts
- Cryptocurrency exchanges
Participating enrichments
Consumer Onboarding uses these enrichments throughout the workflow based on risk signals, routing conditions, and escalation logic.
| Enrichment | Purpose | Usage |
|---|---|---|
| Digital Intelligence | Device, network, and behavioral telemetry | Core |
| Allow / Deny List | Filter known trusted or fraudulent identifiers | Core |
| Phone Risk | Phone legitimacy, SIM swap, and carrier risk | Core |
| One-Time Passcode (OTP) | Phone possession verification | Conditional step-up |
| Verify Plus | KYC/CIP identity verification | Core |
| Sigma Synthetic | Synthetic identity detection | Core |
| eCBSV | SSA-authoritative SSN validation | Optional / conditional |
| Email Risk | Email reputation and fraud risk | Core fraud evaluation |
| Address Risk | Address deliverability and fraud risk | Core fraud evaluation |
| Sigma Identity Fraud + Graph Intelligence | Third-party and networked fraud detection | Core fraud evaluation |
| Predictive DocV | Government ID and biometric verification | Conditional step-up |
| First-Party Fraud | Bust-out and dispute abuse detection | Optional enhancement |
| Global Watchlist Plus | Sanctions, PEP, and adverse media screening | Optional / compliance |
High-level runtime flow
Collect PII + device token
POST /api/evaluation
RiskOS™ workflow
ACCEPT
REVIEW / Step-Up
REJECT
DocV / OTP / Manual Review
Final decision via webhook
- Collect inputs — Gather identity data and a Digital Intelligence session token from the client.
- Submit evaluation — Send a
POST /api/evaluationrequest withworkflow: "consumer_onboarding". - RiskOS™ orchestrates — The workflow runs device, identity, fraud, and compliance checks in sequence.
- Receive decision — The response contains
ACCEPT,REVIEW, orREJECT. If a step-up is required (DocV, OTP), the evaluation pauses and resumes asynchronously.
Integration models
| Model | Description | When to use |
|---|---|---|
| API-only | Your frontend collects PII and device tokens; your backend calls the Evaluation API directly. | Full control over the user experience |
| Socure Hosted UX | RiskOS™ provides a hosted capture experience for document verification and identity collection. | Faster deployment, less frontend development |
Coverage
Consumer Onboarding enrichments have varying geographic availability:
- Global: KYC (Verify), Predictive DocV (190+ countries), Global Watchlist (195+ countries), Phone Risk (80+ countries)
- US-only: Sigma Fraud Suite, eCBSV, SIM Swap Detection
For detailed product coverage by region, see your account configuration or contact your Socure account team.