KYC + Fraud + Watchlist > DocV Step-Up

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Overview

This solution combines KYC, Fraud detection, Watchlist screening, and DocV step-up verification into a single onboarding flow.

It enables you to:

• Verify user identity using authoritative data sources
• Detect fraud signals using device and behavioral risk indicators
• Screen users against global sanctions, PEP, and adverse media lists
• Trigger Document Verification (DocV) only when additional verification is required

Together, these capabilities help you onboard users faster while maintaining compliance and reducing manual review.

Integration paths

RiskOS™ supports two integration options depending on how your application collects user data.

Hosted Flow

• Socure-hosted onboarding experience
• No frontend data collection required
• Final decisions delivered via webhook after the hosted flow is completed

→ Best for: Fastest time to market with minimal implementation effort

Direct API integration

• Fully custom onboarding experience
• Collect and submit user data via API
• Full control over user experience and data handling
• Results delivered synchronously or via webhook, depending on whether additional verification (e.g., DocV) is required

→ Best for: Custom onboarding flows and advanced integrations

Comparison

Global capabilities

• Global identity coverage: Verify identities and authenticate government-issued IDs from 190+ countries.
• Real-time watchlists: Instant screening against global sanctions (OFAC, UN, HMT), PEP databases, and adverse media.
• Step-up authentication: Automatically trigger Predictive Document Verification (DocV) only when high-risk indicators are detected.
• Comprehensive decisioning: Receive clear ACCEPT, REJECT, or REVIEW signals backed by granular risk scores.

Next steps

1. Select an integration path: Hosted Flow or Direct API.
2. Follow the guides for your selected integration.
3. Configure webhooks to receive evaluation results.

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