Identity Verification Solutions

Solutions overview

Combine Fourthline products into a remote Identity Verification solution to ensure clients are who they say they are when onboarding. Comply with local requirements across Europe and beyond.

Examples of locally compliant solutions include:
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Locally compliant Identity Verification solutions


Support
For support with selecting solutions for your use cases, reach out to Fourthline's Solution Engineering team.
You can also draw on our extensive, specialist knowledge of KYC and AML compliance regulations within Europe and beyond.


European solution

Our flagship European Identity Verification solution complies with the Dutch implementation of the 5AMLD: the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme, Wwft). It is a proprietary, bank-grade, end-to-end solution with minimal friction.

The flow is as follows:


It comprises 3 client-facing modules, followed by case processing:

ModuleDescriptionRequired
Document moduleThis module offers peace of mind that you are onboarding clients with valid, authentic, and uncompromised ID documents.

If a client can't pass the document check for any reason, we provide clear reason codes for optimal user feedback.
Document PhotoThe client provides photos of their ID document and we check that the document is fully visible and valid, and then extract the document data.
Document LivenessWe record a 10-second video of the ID document, and then and check any security features and that the document is authentic.
Document NFCWe check if the NFC chip embedded in the ID document is authentic and uncompromised, and then extract and verify the data.
Second ID Document

If required for local regulations, the client provides an additional ID document.
Tax NumberIf required, we capture the client's TIN and any other tax information from the relevant document.
Biometrics moduleThis module analyzes the client’s facial traits to confirm they are the person they claim to be.

If the client can't pass the selfie check for any reason, we provide clear reason codes for optimal user feedback.
Selfie PhotoWe perform a facial similarity check between a selfie of the client and the portrait on their ID document to confirm they are the document holder.
Selfie LivenessWe record video of the client’s face as they turn their head left, then right to confirm they are a living human being who is physically and voluntarily participating.
Selfie AudioWe record audio while the client takes the selfie photo and performs the liveness check.

This helps detect fraud, e.g. a third party instructing or coercing the client.
Location moduleThis module helps fight fraud by verifying a client's actual physical location and home address.
Digital Proof of AddressWe check if the geolocation and metadata of the client’s device are valid, authentic, and uncompromised, and then compare them to the home address provided by the client.
Physical Proof of AddressWe check that the home address provided by the client matches an uploaded official document stating their address, e.g. a utility bill, tax document.
GeolocationWe check if the geolocation of the client’s device is valid, authentic, and not in a prohibited country.
Case ProcessingFourthline then processes the case in our Case Review Portal.

The case is first processed by our AI agent. Then if required, a human agent reviews it to perform additional anti-fraud and financial crime checks.
AML ScreeningFourthline performs an AML screening and AML Investigation to check for the following hit types:
• Sanctions
PEPs
• Adverse media articles
• Convictions
Sensitivity list
Risk ScoreFourthline performs a risk assessment on the client using our proprietary logic and assigns them a risk score.
CDD ReportWhen Fourthline has processed the case, you can download the detailed CDD Report via our API.
Review & AuditYou can review all cases processed by Fourthline with Case Auditing and gain further insight via the Fourthline Dashboard.

More information
For the complete list of supported ID documents, countries, and all checks we perform, request our CDD Policy from your implementation manager.
Next steps
Explore the Identity Verification integration guide and technical manual.
To experience the user journey, download the test app from:
App Store
Google Play Store

Get in touch



French solution

This solution complies with the French implementation of the 5AMLD: R. 561-5-2 1° and 6° of the French Monetary and Financial Code:


The flow is as follows:


Next steps
Explore the French solution integration guide and technical manual.

Get in touch



German solution

This solution complies with BaFin guidelines and the German implementation of the 5AMLD: the German Anti-Money Laundering Act (Geldwäschegesetz, GwG):


The flow is as follows:


Next steps
Explore the German solution integration guide and technical manual.

Get in touch



Italian solution

This solution complies with the Italian implementation of the 5AMLD: Legislative Decree 231/2007 and meets Banca d’Italia requirements:


Next steps
Explore the Identity Verification integration guide and technical manual.

Get in touch


Portuguese solution

This solution complies with the Portuguese implementation of the 5AMLD:

  • Law No. 83/2017 of August 18 on measures to combat money laundering and terrorism financing​
  • Notice 1/2022 of Bank of Portugal

Next steps
Follow the French Solution integration guide and technical manual.

Get in touch


Spanish solution

This solution complies with the Spanish implementation of the 5AMLD: Law 10/2010 of 28 April:

ProductRequired
European Identity Verification
Market-specific data:
• Extended selfie video
• Video geolocation
• Sepblac consistency check
Document NFC
Qualified Electronic Signature
Next steps
Explore the Identity Verification integration guide and technical manual.

Get in touch


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