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RiskOS™ Dashboard Setup

Learn how to set up Socure Advanced Prefill in the RiskOS™ Dashboard to autofill verified identity data from minimal inputs and streamline onboarding.

Set up Advanced Prefill in the RiskOS™ Dashboard

Before you start

Make sure you have the following:

Access to the RiskOS™ Dashboard with the Advanced Prefill solution enabled.

  • Your account owner or administrator can enable this for you. If you're unsure who to contact, reach out to support for assistance.

A basic understanding of RiskOS™ workflows and components.

  • If this is your first time working with workflows, review the Workflow overview to understand inputs, enrichments, routing logic, and decisions.


How it works

Advanced Prefill + Consumer Onboarding is a two-workflow solution in RiskOS™ designed to reduce onboarding friction while maintaining strong fraud and compliance controls.

  • The Advanced Prefill workflow (alt_advanced_pre_fill) determines whether it is safe to display verified identity data to the end user. It leverages products such as Digital Intelligence, Phone Risk, SIM Swap, Silent Network Authentication (SNA), and One-Time Passcode (OTP) to confirm device integrity and phone possession. This workflow does not perform KYC or fraud checks, and its decision logic cannot be modified to maintain security integrity.
  • The Consumer Onboarding workflow (consumer_onboarding) performs full KYC and fraud evaluations on the final data—whether prefilled, edited, or manually entered by the user. It can be configured to match your organization’s specific onboarding and risk policies.

In short, Advanced Prefill controls when data can be shown, while Consumer Onboarding determines who can be approved.

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Note:

The Advanced Prefill workflow can only be modified by an authorized solutions engineer from Socure's team. Self-service management of this workflow is disabled to protect unauthorized access to user data.


How Advanced Prefill fits into a workflow

Advanced Prefill is executed before Consumer Onboarding and acts as a data disclosure gate.

Once Advanced Prefill completes:

  • Approved users see prefilled data
  • Rejected users proceed with manual entry
  • On-hold users resume after OTP verification

The Consumer Onboarding workflow is then initiated using the final data.


Execution flow in RiskOS™

Advanced Prefill uses an asynchronous execution model with pause-and-resume behavior.

  1. Collect minimal input

    The user provides minimal input: phone_number and date_of_birth. Collect a di_session_token from the Digital Intelligence SDK to begin the Advanced Prefill flow.

  2. Run the Advanced Prefill workflow

    The Advanced Prefill workflow (alt_advanced_pre_fill) orchestrates the following checks to determine if verified data can be displayed:


    • Digital Intelligence (DI) – Detect risky devices or sessions.
    • Phone Risk – Evaluate line type, tenure, and velocity.
    • SIM Swap – Check for recent SIM changes (requires carrier approval).
    • Possession check (SNA → OTP fallback) – Confirm phone possession.
    • Prefill enrichment – Return verified identity data.
    • Phone Risk re-check – Validate name–phone correlation.
    • Decision node – Return APPROVE, REJECT, or ON_HOLD.

  3. Decision handling

    Based on the workflow’s decision:


    • APPROVE → The form is prefilled with verified data, and the user may review or correct fields.
    • REJECT → No prefill data is shown; the user must enter information manually.
    • ON_HOLD → The workflow pauses until OTP verification completes.

  4. Start Consumer Onboarding

    After the user reviews or enters their information, initiate a new Consumer Onboarding workflow (consumer_onboarding) using the verified data returned from Advanced Prefill. This workflow performs full KYC and fraud evaluations and returns the final onboarding decision.


Asynchronous behavior

Advanced Prefill uses a pause-and-resume execution model when One-Time Passcode verification is required.

  • The workflow enters ON_HOLD
  • There is no API to force continuation
  • The workflow resumes automatically on One-Time Passcode success, failure, or expiration

Consumer Onboarding must not be started until Advanced Prefill reaches a terminal state.


What Advanced Prefill evaluates

Advanced Prefill is intentionally conservative and may fail closed.

It evaluates:

  • Device and session risk (Digital Intelligence)
  • Phone legitimacy and tenure
  • Recent SIM swap activity
  • Phone possession (SNA → OTP)
  • Allow / Deny list matches
  • Name–phone correlation after Prefill resolution

Any failure or uncertainty may result in REJECT or ON_HOLD.


What customers can and cannot control

AreaCustomer-configurable
Advanced Prefill decision logicNo
Device / phone score thresholdsNo
Consumer Onboarding routingYes
Step-up products (eCBSV, DocV)Yes
Reason code handlingYes
Allow / Deny listsYes

Workflow components used

ComponentPurpose
InputCollect minimal identity and session data
EnrichmentEvaluate device, phone, possession, identity
Rule Score CardsAggregate device and phone risk
ConditionGate disclosure and step-ups
On HoldPause workflow for OTP
DecisionApprove, reject, or hold

Quick start checklist

Use this checklist to validate readiness before production launch.

Input validation:

Digital Intelligence SDK is integrated and generating valid session tokens.
API keys are generated, secured, and used for authenticated requests.
Advanced Prefill is enabled and provisioned by Socure.
Routing and decisioning:

Consumer Onboarding workflow is enabled and correctly triggered after Advanced Prefill.
Allow and Deny lists are configured and applied as part of the workflow.
Optional step-up products (for example, eCBSV or Predictive DocV) are enabled as needed.
Operational readiness:

End-to-end testing has been completed and routing behaves as expected.
Production monitoring is enabled in the RiskOS™ Dashboard.

Updated 25 days ago