CTOS Identity Verification

Our 3-layer authentication process ensures thorough digital identity verification of applicants in an efficient, reliable and consistent manner.

A government-issued identification document is scanned and verified, then a facial image is extracted from the document and matched against a new, real-life captured image of the applicant.

Information extracted from an official identification document is checked against existing CTOS data for mismatches.

Applicants are given a series of dynamic questions, based on actual credit file information and active CCRIS facilities.