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Meet KYC / AML

Use case: Meet KYC / AML

KYC, CIP and AML in one flow.

Verify the person, check their data and screen them against sanctions lists and watchlists, in one integration. Compliance teams get an audit trail; customers get an account in minutes.

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The problem

Regulated onboarding is where fraud and fines meet.

Stolen identities open accounts and move money, and every gap in KYC is a compliance finding waiting to happen.

Crypto

$11.37B

In crypto-related losses reported to the FBI in 2025

Cards

406,110

Credit cards opened in someone else’s name in 2024

Loans

95,689

Loans taken out in someone else’s name in 2024

Sources: FBI Internet Crime Report 2025 · FTC Consumer Sentinel Data Book 2024

How it works

Identity, data and sanctions, in order.

One flow replaces separate identity, data and screening vendors.

1
Verify the person
A government ID or mobile driver’s license matched to a live selfie, with liveness and 20 fraud checks.
2
Check the data
Name, date of birth, address and SSN checked against authoritative records, including SSA eCBSV for financial institutions.
3
Screen
Sanctions lists including OFAC, UN, EU and UK, watchlists, PEPs and adverse media.
4
Monitor
Ongoing rescreening, with every decision logged for your examiners.

Compared

How KYC approaches hold up.

Stitching vendors together leaves gaps between them.

Reset method	Proves the person	Sanctions and PEP screening	Ongoing monitoring	Integrations to manage
Manual review	PartlyDepends on the reviewer	PartlyManual list checks	No	Staff, not systems
Data-only KYC	NoData can be stolen	PartlyIf added separately	Partly	One, plus add-ons
Separate IDV and AML vendors	Yes	Yes	PartlyDepends on the vendor	Two or more
Vouched KYC and AML	YesID or mobile DL and live selfie	Yes140+ sanctions lists, 1,000+ watchlists	YesRescreened daily	One

Who it’s for

Built for regulated onboarding.

Banks, card issuers, lenders and crypto platforms.

BankingAccount openingDigital CIP for new-to-bank customers.Banking →Credit cardsCard applicationsVerify applicants before a card is issued.Credit cards →LendingLoan applicationsVerify borrowers and fund the same day.Lending →CryptocurrencyExchange sign-upKYC and sanctions screening before the first deposit.Cryptocurrency →

Built on

The Vouched Verify compliance stack.

Three Verify capabilities, one integration.

Vouched VerifyAML screeningSanctions, watchlists, PEPs and adverse media.Vouched VerifyData verificationPII, SSN and date of birth checks.Vouched VerifyDocument and biometricID or mobile DL matched to a live selfie.

The proof

Compliance customers can finish.

Regulated onboarding that customers complete, and lenders fund faster.

Completion

91%

Completion rate for ID verification at Oriental Bank

Speed

8×

Faster loan close at Bankers Healthcare Group

Coverage

140+

Sanctions lists, plus 1,000+ watchlists

Sources: Oriental Bank case study · BHG case study · Vouched product data

Related use cases

Other jobs Vouched does.

Each use case runs on the same verified identity, so one integration covers them all.

Use caseOnboard a new userVerify new customers, patients or employees at sign-up.Read more →Use caseRecover an accountGet locked-out users back in with a selfie, not a help desk call.Read more →Use caseReset a passwordSelf-service password and MFA resets that can’t be talked around.Read more →Use caseStep up a loginRe-prove the person before high-risk actions.Read more →Use caseMatch & dedupe recordsCompare faces across records your system flags as duplicates.Read more →Use caseGovern AI agentsDetect agents and tie every action to a verified person.Read more →

Trust

Built for the security review.

Everything your security review asks for, from the SOC 2 report to the BAA, is on one page.

Visit the Trust Center

HIPAA and BAABuilt to support HIPAA compliance; BAA in place

NIST SP 800-63A IAL2Kantara-approved workflow

SOC 2 Type IIReport available under NDA

ISO 27001Information security management

Zero access to clinical recordsIdentity data only

Biometric privacyNotice and consent on every selfie

FAQ

KYC and AML, answered.

Straight answers about how Vouched helps you meet KYC / AML.

How does Vouched help meet KYC and CIP requirements?

Vouched verifies the person with a government ID or mobile driver’s license matched to a live selfie, checks their personal data including SSN, and screens them for AML risk, in one flow with a full audit trail.

Which sanctions lists does Vouched screen against?

More than 140 sanctions lists, including OFAC, UN, EU and UK programs, plus 1,000+ watchlists across 240+ jurisdictions, PEPs and adverse media.

Does Vouched provide ongoing monitoring?

Yes. Customers are rescreened daily after onboarding.

Can Vouched verify Social Security numbers?

Yes. Vouched validates 4- or 9-digit SSNs, and financial institutions can verify full SSNs through SSA eCBSV.

Do customers complete the flow?

Oriental Bank sees a 91% completion rate for ID verification, and Bankers Healthcare Group closes loans 8 times faster.

Does Vouched replace separate identity and AML vendors?

It can. Identity, data checks and screening run in one integration, so there are fewer gaps between vendors.

Is every decision auditable?

Yes. Every check and decision is logged for your compliance team and examiners.

Which industries use Vouched for KYC and AML?

Banks and credit unions, card issuers, lenders and crypto platforms.