Identity verification

Behavioural biometrics keep you secure

Did you know that 91% of UK businesses and 89% of businesses in Ireland trust behavioural biometrics to protect them from fraud? 

Behavioural biometrics analyse a customer's unique behaviour patterns, such as typing speed and mouse movements, to verify their identity. This doesn’t just improve security, but provides a more seamless consumer experience, as they aren’t expected to remember endless passwords and security questions.

Related links

Infographic: Behavioural biometrics is becoming a key anti-fraud technology

Seamless onboarding journeys

Clients want quick and seamless experiences. Businesses lose around 85% of potential digital customers because of clunky onboarding, and recruitment drop-out rates are high if the process for background checks and hiring is difficult or slow. Inconvenient online journeys may be having a massive impact on your bottom line, your reviews, and your ability to hire great candidates.  

At Experian, improving digital experiences is what we do. We can help you conduct KYC ID verification, CV/background and Right to Work checks while offering a smooth customer journey. How? By offering unified platforms, the latest IDVT and AI techniques, flexible customisation, real-time decisioning and a solution bespoke to your business, while always remaining compliant.

Rapid address, phone and email verification

Accurate identity authentication relies on the right data, and that includes verifying contact details. 

Ensure the safety of your business and customers with Experian’s compliant ID checks. Validate addresses, phone numbers and email addresses without lifting a finger. Our data quality checks integrate easily into your CRM and ERP systems so you can capture accurate data from the outset.

On account opening

ID verification is crucial when customers are opening accounts to keep your business secure, compliant and trustworthy. However, this doesn’t have to come at the expense of your customer’s experience. 

Experian's Bank Wizard provides real-time global checking to guarantee the validity of customer details whether collected online, in-person, or through a call centre. Use it as a standalone tool or integrate it seamlessly into your existing systems. Minimise costs, deliver a great use experience and protect your brand reputation.

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3 types of bank account data errors and how to reduce them

Three key reasons to check bank account data

Customer due diligence (CDD)

CDD is a regulatory requirement in the UK. It’s the process of background-checking customers to ensure they’re risk assessed and not involved in money laundering, sanctions or money muling. While KYC vets new customers or candidates, CDD includes continued monitoring.

We know it’s time-consuming to complete manually, or across a number of software platforms. That’s why we offer compliant, streamlined and automated background checking. Reduce operational resource while remaining compliant without ever inconveniencing legitimate customers. 

Criminal background and sanctions screening

Not every potential hire is going to be honest about their background. Hiring the wrong people could mean more than just the risk of internal fraud or income loss – it could do untold damage to your company’s reputation. Criminal background checking is vital to ensure the people you are dealing with are being honest about their history. Hiring the wrong people could put you at huge risk of internal fraud, income loss and reputation impact.

Sanctions screening is also crucial to remaining compliant with international trade regulations and preventing transactions with sanctioned customers. The sanctions lists are ever-updating, so it’s important to commit to regular, global screening of new and existing customers. 

Achieve greater due diligence faster with our fully-integrated solution. It streamlines and automates criminal screening to improve accuracy and experience. Mitigate risk, avoid legal repercussions and protect your business.

Stop money muling

Detecting and combating money muling can be challenging for businesses to spot, and a drain on resource. As the individual has knowingly allowed their identity to be exploited, it lacks the typical indicators of fraud. They may also deny involvement and, without hard evidence, it can be difficult to prove. 

Experian’s IDVT technology, such as behavioural biometrics, predictive models, and geo-demographic profiles, help businesses like yours identify and prevent money muling. 

Reduce risk through identity checks

Fraud and financial crime puts businesses at risk. The financial loss of the crime, material losses of repairing the damage and reputational injury can cause significant harm. It’s crucial to prevent this with thorough screening and identity authentication. 

We understand that the manual effort of conducting in-depth screening at scale is a time and cost drain. Our digital solutions automate ID checking, improve accuracy of spotting forgeries or inconsistencies, and make data-led decisions fast.

On account opening

Before an account is opened, bank details need to be captured correctly and accurately verified. However, if that involves the customer waiting for you to manually input and authenticate details, it can impact their experience and make them want to seek alternatives.

Whether online, face-to-face or in a call centre, our real-time checking tool guarantees that the bank details keyed into your system are valid, and can verify details in the UK and around the globe. Use it as a standalone system or integrated into your existing system for a flexible, bespoke solution.

Safeguard your reputation

Unknowingly hiring individuals with questionable backgrounds or fraudulent activities can inflict severe reputational damage. Thorough ID checks act as a protective shield, identifying warning signs associated with an applicant’s identity. Mitigate the risk of hiring untrustworthy candidates, safeguard your brand, and maintain the trust of customers and stakeholders.

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5 must-haves for your candidate verification experience

Right to Work Checks: How to get it right

Why pre-employment checks could save your brand reputation

Ensure legal compliance

ID checks ensure legal compliance in regulated industries that require specific certifications or clearances. Verifying the identity of candidates helps confirm their eligibility for employment roles, and ensure the fulfil the necessary legal requirements.

Our consistent process for ID checks will also help you adhere to anti-discrimination laws by treating all applicants fairly and in the same manner throughout the recruitment process.

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5 must-haves for your candidate verification experience

Right to Work Checks: How to get it right

Easily attain proof of address

If you find it difficult to deliver a smooth customer experience while keeping software secure, accurate and compliant, you’re not alone. That’s why so many businesses choose to outsource their ID document verification to award-winning data specialists like Experian.

Ensure accurate, complete and valid addresses with Experian Address Validation, DBS criminal record checks and electoral roll checks. Powered by data sources like Royal Mail and USPS, you can verify addresses in real-time during capture or in bulk for existing records.

Trusted with regulations and compliance

It can be difficult to stay on top of data handling and ever-changing compliance laws and regulations, especially if it means having to amend your software each time there’s an update. It could be a job in itself. 

Well, at Experian, it is our job. Our dedicated compliance and consultancy teams make it their task to ensure our solutions remain up to date with the latest regulations and laws around criminal record checks, FCA, safeguarding, CQC and more that impact your customer and hiring activities. Stay compliant without draining your team's resource. 

Our robust solutions also utilise cloud-based storage to protect large amounts of sensitive data, without high set-up fees and IT hold-ups. Plus, automated data handling and ID verification provides instant decision-making while minimising human error.

Minimise manual checks

Automating identity verification and validation enhances your operational efficiency, lowers costs and speeds up customer onboarding.

Additionally, automation improves security by reducing the risk of human errors, and can help to highlight potentially fraudulent activities even at scale.

Verify age

Age verifications and restrictions are necessary to ensure your business is operating responsibly, controlling age-restricted goods and meeting the regulatory and legal requirements. 

Our CrossCore Identity Solutions let you quickly yet accurately verify age with automated checks that don’t disturb the customer’s experience. We simply check a customer against our data sets in real-time for an instant response. Customise it to meet your exact requirements and integrate it easily into your current systems.

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Streamline regulatory compliance with accurate, convenient age verification

Verify bank accounts with confidence

You need peace of mind that your business is only transacting with genuine accounts. You need to know that the details are correct, and that you’re meeting BACS direct debit regulations, without disrupting the customer’s journey with manual document checking. 

While that seems like a lot to think about, we can take care of it all for you. Give your teams their time back with automated, real-time verifications checked against our global data sets, and deliver a seamless customer experience with instant results.

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How a digital ID can offer instant verification and reduce friction

3 occasions when validating bank account data isn’t enough

Three reasons why you should check your suppliers’ bank account data