Enterprise Ready IAL3 Identity Proofing Platform For Compliance

NIST's DIRM standard represents an exciting evolution from checklist-based requirements towards risk-based framework. This new model enables organizations to dynamically select their IAL, AAL and FAL assurance levels based on threats, service impacts and user populations.

Trust Swiftly's IAL3 compliance is achieved with our FIDO certified passwordless authentication and identity verification solution, featuring remote yet supervised proofing processes such as chat, video, facial recognition with liveness detection, document authentication and step-up reproofing based on risk.

IAL3 compliant solution

The NIST 800-63A IAL3 verification standard mandates on-site attended identity proofing using at least one biometric characteristic. Its emphasis on having a trained CSP representative interact with an applicant reflects that threats such as deepfakes cannot be effectively dealt with via remote proofing processes; and further shifts the framework away from checklist-based requirements towards risk-based requirements.

The IAL3 Identity Proofing Process involves face-to-face interaction between a Customer Service Professional (CSP) and applicant, with particular attention paid to liveness detection in order to prevent fraudsters from falsifying documents with images that don't match. Enrollee facial images must match those in their identity documents to confirm integrity; additionally, this requires high validation strength as well as secure transmission between trusting parties (e.g. cryptographic authenticators such as FIDO Passkeys).

TrustSwiftly can assist organizations in meeting NIST 800-63A IAL3 compliance through an innovative passwordless authentication and identity verification solution that combines remote yet supervised verification, iris scanning and fingerprint scanning technology with step-up re-proofing according to risk - helping organizations meet business and security goals while offering superior customer experiences while cutting operational costs.

IAL3 identity proofing

The NIST IAL3 identity proofing standard is an important way of combatting fraud and limiting cyber liability claims. It requires CSPs to employ various means of verifying individuals, such as chat, video, facial recognition with liveness detection and document authentication. Re-proofing on risk basis also supports stepwise reinforcement, helping organizations bridge business and security objectives. HYPR Affirm is an advanced workforce identity verification solution designed to help businesses meet IAL2 and IAL3 compliance. Through chat, video, face capture, biometric liveness detection and reduced password resets, HYPR Affirm reduces attack surfaces for reduced operational costs and more secure digital environments.

At Identity Verification Level 2 (IAL2), identity proofing must be conducted either remotely or in-person and the evidence provided must correlate to real life identities and be verified against reference evidence - if this isn't possible then Non-Biometric Pathways can be employed instead. IAL3 requires more stringent authentication standards and should typically only be employed when dealing with more sensitive transactions.

IAL3 verification

NIST IAL3 verification is the highest level of identity proofing, requiring both in-person or remote identification, including real-time document validation and biometric comparisons. IAL3's primary aim is to prevent impersonation and fraud by verifying whether claimed identities correspond with real world identities; authenticators/verifiers must possess certain qualities in order to qualify as authenticators/verifiers in IAL3.

IAL3 requires more resources and should only be applied in high stakes transactions; however, many online services are capable of meeting its requirements by employing remote identity proofing techniques.

TrustSwiftly's comprehensive IAL3 identity proofing solution uses chat, video, facial recognition with liveness detection and document authentication to quickly verify identity at the highest assurance level. This helps companies comply with IAL3 guidelines, reduce cyber liability insurance costs and bridge business objectives with security objectives while eliminating OTPs and SMS-based authentication methods which are susceptible to attack. For more information, visit the TrustSwiftly website.

IAL3 compliance

The IAL3 compliance standard represents the highest level of assurance for digital identity verification. This requires rigorous verification procedures and multiple verifiable credentials in order to link an individual's claimed identity with their real life identity and reduce fraud or unauthorized access risks. It's therefore appropriate for environments such as financial transactions and healthcare services with higher risks.

NIST SP 800-63-4 maintains its three-part model of Identification, Authorization, and Authorization levels while updating requirements to meet modern security technologies. AALs now demand phishing-resistant methods like FIDO passkeys while IALs now recognize remote identity proofing as an alternative identity verification solution.

Identity proofing solutions such as TrustSwiftly  provide a cost-effective means of meeting IAL3 standards. These solutions use chat, video, facial recognition with liveness detection and document authentication to verify an applicant's identity. In addition, step-up reproofing based on risk can help bridge business and security objectives while simultaneously reducing cyber liability insurance costs and operational efficiencies through reduced password resets.