Identity verification built for financial services
Rising fraud, tighter regulation (PSD3, DORA, EU AI Act), and expensive manual review. FaceSign automates the verification step with evidence-grade compliance.
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The Problem
Fraud is rising, tools aren’t keeping up
180% YoY increase in multi-step fraud. PSD3 shifts APP fraud liability to banks. Manual review costs $4–70 per case and doesn’t scale.
- $12B+ annual scam losses across financial services
- 180% year-over-year growth in multi-step fraud attacks
- PSD3, DORA, and EU AI Act creating new compliance obligations
- Manual review costs $4–70 per case with 8+ minute wait times
The Solution
Automated verification at the moment of risk
FaceSign deploys across six high-risk scenarios in the customer lifecycle — from password resets to wire transfers — at a fraction of manual review costs.
- Automated verification that replaces expensive call center callbacks
- Six deployment scenarios across the customer lifecycle
- Evidence-grade proof of identity and intent for compliance
- 30-second verification — no app download, any browser
How It Works
The verification flow
Risk Signal
Fraud engine flags a high-risk action — password reset, wire transfer, beneficiary change, large withdrawal.
FaceSign Prompt
Customer enters a 30-second AI verification. Browser-based, no app download, available 24/7.
Multi-Signal Analysis
Six AI models verify identity, detect deepfakes, screen for coercion, and analyze behavioral signals.
Decision + Compliance
Trust score returned via API. Audit trail, session recording, and risk rationale for regulatory evidence.
Capabilities
Built for financial services
Biometric Analysis
Face matching, age verification, and configurable confidence thresholds during a live AI conversation.
Deepfake Detection
Frame-by-frame temporal analysis defeats pre-rendered deepfakes. Micro-expression timing and physiological response checks.
Voice & Coercion Detection
Vocal stress frequency, speech cadence, gaze aversion, and second-person detection catch coached or coerced users.
Environmental Consistency
Background analysis, device fingerprinting, geolocation checks — wrong power outlet, weather mismatch, foreign signage.
Interactive Liveness
Unpredictable conversational challenges in real time defeat pre-recorded deepfakes and replay attacks.
Predictive Session Model
Dynamic probabilistic baseline of a trusted session using metadata, history, and behavioral patterns.
Benefits
The ROI for financial services
30 Seconds, Not 8 Minutes
Verification completes before the user loses patience. No queues, no hold music, no agent availability constraints.
Stops What OTPs Can’t
Biometric identity can’t be SIM-swapped, phished, or socially engineered. Proves the person, not the device.
75%+ Cost Reduction
Replaces manual review queues with fully automated verification. Unlimited scale, no per-case agent cost.
Fewer False Blocks
Legitimate users verify in seconds instead of being locked out. Higher completion rates on high-value transactions.
Catches Coercion in Real Time
Detects when a legitimate account holder is being pressured by a scammer — the attack that MFA, OTPs, and call centers all miss.
Regulatory Alignment
Full audit trail for SCA compliance. Meets emerging PSD3, eIDAS 2.0, and EU AI Act requirements. Explainable AI architecture.
Fits Your Existing Stack
REST API, webhook delivery, iframe embed. Configure flows, thresholds, and branding to match your workflow — not ours.
The verification layer your fraud stack is missing
See how FaceSign fits between your fraud engine and your customers.