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 > 💡 > **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. | | Hosted Flow | Direct API + SDK | | --- | --- | --- | | **How it works** | RiskOS™ hosts the onboarding UI. You create a session and redirect users to the hosted flow. | You build the UI. Your backend sends API requests to RiskOS™ and launches the DocV SDK when needed. | | **You handle** | Session creation and user redirect | Frontend implementation, data collection, and workflow orchestration | | **RiskOS™ handles** | User interaction, data collection, KYC, fraud, watchlist, DocV, and decision delivery | Identity verification, fraud scoring, watchlist screening, DocV capture, and decision delivery | | **Result delivery** | Webhook | API response (synchronous) or API response + webhook (asynchronous) | | **Best for** | Teams that want to launch with minimal frontend work | Teams that need full control over the user experience | > 📘 > **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:** | Journey | Solutions | | --- | --- | | Account opening + login protection | Consumer Onboarding + Login & Authentication | | Business verification + compliance | Business Onboarding + Payment Screening | | Onboarding + payment processing | Consumer Onboarding + Bank Account Verification | | Full lifecycle protection | Consumer Onboarding + Login & Authentication + Payment Screening | > 💡 > **Tip**: > All Enterprise Solutions run on the same RiskOS™ platform. Deploy multiple solutions using shared workflows, enrichments, and decision logic.