Clear Path step · Business · Your industry's rules and risks
Verify clients without trusting a face or a document alone
Why it matters: AI can now produce convincing IDs, documents and live video of people who don't exist or aren't who they claim. A callback to a known channel works no matter how good the fake is.
On your path if you picked “Financial services” for “What's your industry?”.
Do it
- Require a callback to a number on file for any change to payment or payout instructions.
- For new clients, verify ID through a reputable verification service plus an independent check such as a known referral or an existing bank relationship.
- Watch for FinCEN's red flags: inconsistent ID details, refusal of live checks, unusual device or location patterns.
- Record verification steps in the client file.
Check it worked: New clients and any client change to bank details, addresses or payout instructions are confirmed through a channel already on file, and ID checks pair documents with a live, independent step.
Simply put
It's like a bank calling you on the number it already has before changing your address. A face, an ID or a video can be faked; a callback to a channel on file works however good the fake is.
In detail
Liveness detection raises the bar but is itself under attack by injected video streams. Treat it as one signal, and keep the callback as the deciding control.
Points toward the Long View: client checks that don't depend on spotting a deepfake.