Consumer Onboarding Standard

Maximize account approvals and prevent fraud during consumer onboarding with RiskOS™ identity verification, KYC, and compliance workflows.

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

flowchart TB
    A["Collect PII + device token"] --> B["POST /api/evaluation"]
    B --> C{"RiskOS™ workflow"}

    C --> D["ACCEPT"]
    C --> E["REVIEW / Step-Up"]
    C --> F["REJECT"]

    E --> G["DocV / OTP / Manual Review"]
    G --> H["Final decision via webhook"]

Collect inputs — Gather identity data and a Digital Intelligence session token from the client.
Submit evaluation — Send a POST /api/evaluation request with workflow: "consumer_onboarding".
RiskOS™ orchestrates — The workflow runs device, identity, fraud, and compliance checks in sequence.
Receive decision — The response contains ACCEPT, REVIEW, or REJECT. 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.

Get started

Configure the Workflow

Set up and configure your Consumer Onboarding workflow in the RiskOS™ Dashboard.

Build the Integration

Connect your systems to the Evaluation API and handle responses.

Handle Review & Step-Up Flows

Route evaluations through DocV, OTP, and manual review.

Related concepts

Updated 7 days ago

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