Supervised remote IAL3 verification offers strong identity evidence to defend against impersonation attacks and can reduce SIM swaps, MFA bypasses and login attempts – in turn helping meet compliance standards like FedRAMP High.
Trustswiftly’s scalable solution supports IAL3 via chat, video conferencing, facial recognition with liveness detection and document authentication to provide cost-effective identity proofing sessions that are suitable for distributed teams.
What is IAL3?
Identity Assurance Level 3 (IAL3) is the highest assurance identity verification standard available, requiring on-site attended sessions where core attributes are verified against claimed digital identities, providing additional layers of security against advanced impersonation attacks like injection.
Although IAL3 provides the highest possible assurance level, it may not always be necessary for most transactions or be more costly than lower levels of ID verification. For instance, strong biometric matching and document authentication provide sufficient verification for many physical building access or benefit eligibility checks; while zero trust platforms can manage IAL3 requirements by continuously assessing contextual risk and adapting authentication rules on-the-fly.
By adhering to fedramp high identity proofing or GDPR policies and meeting IAL3 requirements while keeping costs under control, businesses can meet IAL3 regulations while meeting compliance. Zero trust platforms also help businesses reduce data breaches and man-in-the-middle attacks by securely binding FIDO passkeys with their associated identities.
IAL3 process can be completed on any Android, iPhone or Windows device by opening Trust Swiftly no code page and connecting live to an agent for proofing session. This may involve chat, video, facial recognition with liveness detection and high-resolution fingerprint or voice recordings meeting NIST IAL3 requirements; furthermore it allows stepwise reproofing based on risk profile of transaction as well as antifraud techniques requiring proofing agents monitor device behavior for successful transaction completion.
IAL3 Requirements
IAL3 provides the highest level of identity verification available and requires either in-person attended or remote assisted identification processes with stringent oversight. At this heightened assurance level, strong cryptographic evidence of an individual’s real world identity with their digital one to protect against impersonation attacks; advanced hardware like fingerprint scanning may be required as well as stronger phishing-resistant authentication and safe federated ID practices that prevent SIM swaps and MFA bypass attempts.
Mitek’s IAL3 solution offers various hardware-anchored options for remote and in-person identity proofing, using document validation and biometric comparison (such as facial recognition with liveness detection, voice, and fingerprint). By verifying document authenticity and performing biometric comparison, IAL3 ensures a high degree of certainty that enrolled individuals match up with their credential with high certainty; additionally its human-supervised process adds another layer of security against fraud risks by providing another line of defence should any suspicious behaviors arise.
As more businesses comply with NIST 800-63-4 standards, identity credentials of high assurance have become ever more vital to business operations. With access to nist ial3 verification available now, organizations will be better protected against cyberattacks while meeting regulatory requirements across industries ranging from healthcare and government services to financial transactions. IAL3 will soon become widely accessible via low-cost verification methods such as mobile phones, self-service kiosks and biometrics.
IAL3 Solutions
Trustswiftly has multiple solutions that can save both time and money for businesses when rejecting more than 1% of transactions due to suspected fraud, including chargeback fees and lost customer time.
Trustswiftly’s IAL3 solution is an identity proofing process that utilizes chat, video streaming, facial recognition with liveness detection and document authentication to validate an individual’s claimed ID. This ensures a more efficient verification process without kiosks – one which helps lower cyber liability insurance premiums while simultaneously decreasing operational expenses due to reduced attack surface area.
The system also offers additional biometric verification methods, including SMS, fingerprint, and voice. This helps prevent impersonation attacks, SIM swapping, and MFA bypass by associating biometric data with verified identities. In addition, automated verification processes can be integrated into onboarding workflows to help companies meet nist 800-63-4 ial3 compliance with minimal effort.
Trustswiftly makes setting up their plugin easy; website owners simply need to login and click “get started”. After a brief sign-up process, they’ll be asked for their URL, whether verification should take place prior or post checkout and other basic settings before linking the plugin with existing APIs and webhooks.
IAL3 Compliance
IAL3 is a new identity proofing requirement for cloud service providers (CSPs) designed to reduce fraud and meet compliance standards like FedRAMP. Unfortunately, many CSPs misinterpret its guidance by believing IAL2 identity proofing will suffice in meeting High baseline approval. Unfortunately, doing this would result in an audit failure and lead to fines being assessed as well as other penalties being assessed against their CSP.
NIST 800-63-4’s new guidelines divide identity assurance into three levels – Identity (IAL), Authentication (AAL) and Federation (FAL). At its most stringent, Identity level 3 requires in-person or remote proofing with superior strength evidence such as documents, facial recognition software and liveness detection; cryptographic binding to ensure digital identity and proofed attributes link; as well as strong security processes which are resistant to highly scalable impersonation attacks.
Trustswiftly helps you meet IAL3 requirements with an easily scalable solution that combines chat, video, facial recognition and liveness detection, document authentication as well as stepwise reproofing according to risk. This way you can simultaneously meet both business and security objectives at once while decreasing attack surfaces, cyber liability insurance premiums as well as operational costs due to password reset requests.
Trustswiftly ial3 identity verification software meet these new IAL3 requirements by employing both human and automated verifiers to collect evidence, biometrics, and liveness verification as part of an automated workflow system. Traditional identity verification technologies often fail when faced with advanced impersonation attacks which lead to data breaches, man-in-the-middle attacks, or phishing schemes – Trustswiftly solutions meet this higher standard with human verifiers who interact face-to-face with users, collecting evidence directly while conducting automated workflow processes simultaneously – or all three!
