Solutions Overview

RiskOS™ Enterprise Solutions combine identity verification, fraud prevention, compliance screening, and decision orchestration into configurable workflows designed to solve specific business challenges.

Choose a solution based on the customer journey, risk event, or compliance requirement you are addressing.

How Enterprise Solutions work

Enterprise Solutions are pre-configured workflow templates built on the RiskOS™ platform. Each solution combines Socure products, third-party integrations, rules, and decision logic into an end-to-end workflow you can customize through the RiskOS™ Dashboard.

Applicant Data

Identity Verification

Fraud & Compliance Checks

Rules & Decisioning

Decision

You can customize any solution using:

• Workflow Builder — drag-and-drop orchestration of enrichments and routing logic
• Rules & conditions — configurable business rules and risk thresholds
• Enrichments — Socure products and third-party data sources
• Decision logic — ACCEPT, REJECT, or REVIEW outcomes with reason codes
• Step-up verification — conditional escalation to OTP, DocV, or manual review

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Tip:
Solutions are starting points, not fixed templates. Customize workflows, rules, and enrichments to match your risk policies and compliance requirements.

Customer Onboarding

Consumer Onboarding

Verify identities, prevent fraud, and reduce onboarding friction during account creation. Low-risk applicants pass through automatically while higher-risk applicants are escalated to step-up verification.

Includes:

• Verify Plus (KYC/CIP)
• Sigma Identity Fraud + Sigma Synthetic Fraud
• Email Risk, Phone Risk, Address Risk
• Digital Intelligence (device signals)
• Global Watchlist screening
• Conditional step-ups: OTP, Predictive DocV, eCBSV

Best for: Banks, fintechs, digital wallets, BNPL providers, crypto exchanges, and regulated onboarding flows.

Consumer Onboarding with Advanced Prefill

Reduce form abandonment by collecting minimal input — phone number and date of birth — and returning a verified identity profile from Socure's Identity Graph. Applicants review and confirm pre-filled data instead of entering it manually.

Includes:

• Digital Intelligence (device/session risk)
• Phone Risk + SIM Swap detection
• Silent Network Authentication (SNA)
• OTP (fallback possession verification)
• Identity Graph prefill

Best for: High-volume consumer onboarding where conversion rate and friction reduction are priorities.

Business Onboarding (KYB)

Automate Know Your Business verification by validating business entities and their Ultimate Beneficial Owners in a single API call. Returns industry classifications, adverse media screening, bankruptcy data, and risk assessments with reason codes.

Includes:

• Business entity verification (190+ countries)
• Ultimate Beneficial Owner (UBO) verification
• Adverse media screening
• Industry classification + website analysis
• Bankruptcy and lien data
• KYB Partner network

Best for: Financial services, e-commerce merchant onboarding, healthcare provider verification, and government program eligibility.

Fraud Prevention

Login & Authentication

Prevent account takeover at login, account changes, device recovery, and high-value transactions. Combines device intelligence with behavioral signals to detect unusual activity and dynamically escalates to higher security when risk warrants it.

Includes:

• Digital Intelligence (device, network, behavioral signals)
• Email Risk + Phone Risk
• Graph Intelligence (emerging fraud patterns)
• Conditional step-ups: OTP, Predictive DocV, Selfie Re-verification

Best for: Financial services, e-commerce, telecom, healthcare, insurance, and government services with consumer-facing accounts.

Trust & Safety

Embed identity verification and fraud detection at any critical point in the customer journey — not just onboarding. Block identity theft, prevent exploitation of stolen credentials, and adapt verification intensity based on risk tolerance.

Includes:

• Identity verification
• Fraud detection signals
• Device risk analysis
• Behavioral analysis + anomaly detection
• Configurable risk-based step-ups

Best for: Marketplaces, platforms, and organizations needing continuous trust assurance across login, transactions, and account changes.

Age Assurance

Confirm whether a user meets an age requirement using a layered workflow that starts with passive, low-friction signals and escalates to active selfie or document verification only when required. Returns an ACCEPT or REJECT decision backed by privacy-preserving Boolean threshold flags — age18Plus, age21Plus, age25Plus — instead of a date of birth or exact age.

Includes:

• Passive assurance: device, phone, and email signals
• Active assurance: selfie-based estimation and document + selfie verification
• OTP possession check (triggered only on an identity hit)
• Configurable waterfall with state rules, thresholds, and escalation paths

Best for: Age-restricted content, regulated commerce (alcohol, tobacco, cannabis), gaming, and any flow that must confirm an age threshold while minimizing friction and data exposure.

Payments & Financial Risk

Bank Account Verification

Verify bank account ownership and status before processing payments. Designed to comply with the Nacha WEB Debit Rule, which mandates account validation before executing ACH entries.

Includes:

• Account Intelligence (ownership verification)
• Payment return risk assessment
• ACH compliance validation
• Real-time account status checks

Best for: Payment processors, banks, fintechs, and organizations processing ACH transfers or disbursements.

Payment Screening

Screen payment participants — senders, beneficiaries, and intermediaries — against global sanctions lists, PEP data, and adverse media in real time. Screen all parties in a single API call with sub-200ms response times.

Includes:

• Global sanctions screening
• PEP (Politically Exposed Persons) screening
• Adverse media screening
• Multi-party screening (sender, beneficiary, intermediaries)

Best for: Payment service providers, banks, crypto exchanges, marketplaces, insurance, and government disbursement programs.

Workforce

Workforce Verification

Verify employment candidates at any stage of the hiring funnel. Perform passive, low-friction identity checks at application submission and automatically escalate to document verification or selfie re-verification only when risk justifies it.

Includes:

• Digital Intelligence (device signals)
• Sigma Identity Fraud + Sigma Synthetic Fraud
• Email Risk, Phone Risk, Address Risk
• Verify Plus (identity verification)
• Conditional step-ups: Predictive DocV, Selfie Re-verification

Best for: HR teams, recruiters, applicant tracking systems, payroll providers, and gig/workforce platforms.

Integration paths

Enterprise Solutions support two integration paths. The available paths depend on the solution and workflow configuration.

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Note:
Not every solution supports both integration paths. Check the individual solution guide for available paths and setup instructions.

Build across the customer lifecycle

Enterprise customers commonly deploy multiple solutions together to cover different stages of the customer journey.

Onboarding

Authentication

Payments

Ongoing Monitoring

Common combinations:

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Tip:
All Enterprise Solutions run on the same RiskOS™ platform. Deploy multiple solutions using shared workflows, enrichments, and decision logic.