Identity and fraud
Verify every person at onboarding and catch impersonation before disbursement.
In short
How do you prevent identity impersonation when onboarding customers?
Certia combines document validation, liveness checks and device and behavior signals to confirm that a person is who they say they are when opening an account or applying for credit. Risky applications go to review and the rest move on without extra steps, so you reduce fraud without penalizing honest customers.
Impersonation fraud often surfaces after the money is gone: a loan disbursed in the name of someone who never applied. Reviewing everything by hand slows legitimate customers down, and reviewing too little leaves the door open.
We apply layered controls. The document is checked against its security features, the liveness check confirms a real person is in front of the camera and device and session signals reveal inconsistencies an analyst would not see. Each alert arrives with the reason that triggered it so your team can decide fast.
Where it applies
Digital account opening
ID validation, liveness checks and face matching, with human review only for doubtful cases.
Pre-disbursement control
Checks on recent changes to contact data, device or destination account before funds are released.
Business onboarding
Review of corporate documents and ultimate beneficial owners for business customers (KYB).
What you get
- Onboarding flow with layered controls
- Risk rules and thresholds
- Alert review console
- Decision log for audit
Questions about this capability
What happens to biometric data?
It is sensitive data under Ecuador's LOPDP. It is processed with consent, a defined purpose and the shortest possible retention, with restricted and logged access.
Does it increase drop-off during account opening?
The idea is to ask for extra steps only from those showing risk signals. Everyone else moves faster than with a manual review.
Does it integrate with providers I already use?
Yes. We can orchestrate the validation services you already have and add our own signals.
Other capabilities
- Origination and serviceServe and originate credit on every channel, with a pre-analysis built on your rules.View capability
- Smart collectionsPrioritize your portfolio daily and handle each case with the right tone and timing.View capability
- Offensive cybersecurityTest your channels the way an attacker would, and fix what exposes you most first.View capability
- Data and decisionsTurn your data into indicators your committee reads on Monday and uses that day.View capability
- Technology operationsHand sensitive processes to a back office that grows or shrinks with your demand.View capability
Let's talk about what your institution needs to solve.
A first conversation to understand your operation and tell you plainly where we can help, and where we can't.