Applicant ID Validation Agent
Validate applicant identity via IDs, eKYC, compliance rules
Description
Challenge:
Manual identity verification during policy applications or underwriting is slow, prone to errors, and susceptible to fraud. Ensuring accurate KYC compliance and proper linkage between applicant and policy records is critical for regulatory adherence and risk management.
How It Works:
The Applicant ID Validation Agent verifies applicant identity by cross-checking submitted official documents (passport, driver’s license, Aadhaar, national ID) against internal records, CRM databases, and third-party eKYC services. It applies AI-powered document verification, OCR, and fraud detection checks to confirm authenticity, expiry validity, and identity matching. Automated alerts are generated for discrepancies or incomplete submissions. Validated IDs are securely logged with timestamped audit trails for compliance. This agent streamlines onboarding, reduces fraudulent applications, and ensures that only verified applicants proceed to underwriting or policy issuance.
Benefits:
90–95% accuracy in ID validation and authenticity checks
70–80% reduction in manual KYC verification workload
Faster onboarding and underwriting decisions
Enhanced compliance with local and international identity regulations
Reduced risk of fraud and identity-related disputes
Complete auditable trail for regulatory and internal review
Features
Automates applicant identity verification by validating documents, cross-checking with internal/external databases, and ensuring regulatory compliance for underwriting and policy servicing.
Features & Capabilities:
Document Extraction: OCR and handwriting recognition convert scanned, handwritten, or digital certificates into structured text
Field Recognition: Extracts name, DOB, DOD, cause, location, and certifying authority
Normalization: Standardizes formats (dates, location, ICD-10 mapping)
Validation: Checks registry numbers, seal authenticity, authority signature, and cross-references national databases
Cause-of-Death Mapping: Maps medical terms to ICD-10 codes for uniform classification
Identity Verification: Confirms deceased’s details match policyholder records
Integration: Links verified certificates to claims, policy records, and CRM platforms
Fraud Detection: Flags missing, altered, or suspicious documents
Operating Blueprint
Knowledge Sources:
Government-issued ID repositories (Passport, Aadhaar, National ID, Driver’s License)
CRM/Member Database (existing applicant info)
Policy Administration System (linkage to policy/applications)
Regulatory Compliance Guidelines (AML/KYC, IRDAI, GDPR)
Historical Validation Logs
Business Rules:
Identity Match: Applicant name, DOB, and document number must align with internal records
Document Expiry: Reject expired or invalid documents
Duplicate Check: Detect duplicate IDs within CRM/PAS
Fraud/Tamper Detection: Flag suspicious alterations or forgeries
Multi-Jurisdiction Compliance: Apply local rules for ID verification
Conditional Escalation: Route uncertain cases to manual review
Tool Workflow:
Intake → Accept digital/scanned ID
OCR & AI Validation → Extract fields, verify authenticity
Cross-Check → Compare with CRM/PAS/eKYC provider
Compliance Enforcement → Apply regulatory checks
Outcome → Route validated IDs for underwriting, flag exceptions
Audit Logging → Record all steps, timestamps, and alerts
Badges
Classification
Capabilities
