Fortify Your Defenses Against Complex Fraud
Designed for multi-layered verification and authentication
Zumigo Assure Identity
Zumigo Assure Identity leverages real-time data from authoritative sources, including mobile operators, credit bureaus, financial institutions, and other data partners, to offer a match/no match verification of digital identity belonging to an individual or business.
For an individual, Zumigo verifies the following:
- Associated PII including name and address, phone number ownership, and other mobile phone subscriber information
- Returns match scores and confirms mobile phone ownership, helping meet KYC requirements and prevent…
Zumigo Assure Identity
Zumigo Assure Identity leverages real-time data from authoritative sources, including mobile operators, credit bureaus, financial institutions, and other data partners, to offer a match/no match verification of digital identity belonging to an individual or business.
For an individual, Zumigo verifies the following:
- Associated PII including name and address, phone number ownership, and other mobile phone subscriber information
- Returns match scores and confirms mobile phone ownership, helping meet KYC requirements and prevent identity theft
- Payment identity for bank account status and credit card accounts
- Email validity covering a variety of email-related verification, including ownership and other PII associations
For a business, Zumigo verifies the following:
- Associated business information such as address, phone number, incorporation date and type, industry classification number, etc.
- Person of contact and principal identity
- Ultimate Beneficial Owner (UBO), list of executives, officers and employees; and whether there are any on the Specially Designated Nationals and Blocked Persons (SDN) list, maintained by the U.S.
- Department of the Treasury
- Financial data including sales and revenue
Zumigo Assure Identity is available in two ways:
- Integrate via API
- Low-code configurator
Why Zumigo Assure Identity?
- Satisfy Know Your Consumer (KYC), Know Your Business (KYB) and age restriction compliance requirements when consumers volunteer their phone number for authentication
- Prevent linkage of valid bank account to fraudster’s digital payment account where funds can be stolen for fraudulent purchases
- Prevent revenue loss due to fraud/risk due to identity theft and PII manipulation, and returned or rejected payments
- Establish trust at sign-up/sign-in and offer consumers a frictionless experience
- Protect customer trust and build brand reputation
Zumigo Assure Insights
Zumigo Assure Insights brings together real-time information associated with the consumer’s digital identity for a holistic score that represents the risk associated with the account holder and the transactions initiated by the consumer. This helps businesses make smart decisions on whether to trust the digital identity and transaction, and allow access to digital accounts. Push or batch alerts can be delivered at pre-configured time intervals for monitored phone numbers to proactively prevent…
Zumigo Assure Insights
Zumigo Assure Insights brings together real-time information associated with the consumer’s digital identity for a holistic score that represents the risk associated with the account holder and the transactions initiated by the consumer. This helps businesses make smart decisions on whether to trust the digital identity and transaction, and allow access to digital accounts. Push or batch alerts can be delivered at pre-configured time intervals for monitored phone numbers to proactively prevent identity fraud. Some of the trust assessments Zumigo offers:
- Provides risk signals associated with the mobile phone, including SIM swaps, porting, call forwarding, deactivation, etc.
- Offers IP-based location intelligence for detecting anomalous access patterns and high-risk geographies
- Returns email trust score that leverages real-time information such as domain name risk (reputation and authenticity, country, type) and email details (tenure, first and last identified, frequency, social media association, last time fraud was reported, etc.) to assess the risk associated with the email
- Assesses the risk of account takeover fraud based on the different risk signals listed above
- Assesses the trust of a mobile phone number by analyzing a variety of related real-time and suspicious activities (e.g. deactivations and porting events) across a network of businesses
- Proactively detects mobile phone number risk based on status changes for registered phone numbers, and sends updates and alerts at pre-configured time internals so that businesses can pre-empt a potential fraud attack
Zumigo Assure Insights is available in two ways:
- Integrate via API
- Low-code configurator
Why Zumigo Assure Insights?
- Proactively stop fraud by assessing consumer and transactional risks based on the consumer’s mobile identity and behavior, using a comprehensive portfolio of verifications
- Detect account takeover (SIM Swap, Port Out, Call Forwarding) risks to protect consumers, accounts, brand reputation and the business’ bottom line
Zumigo Assure Authentication
Zumigo Assure Authentication enables seamless, secure first-time sign-ups and returning passwordless sign-ins for consumers. It prevents identity fraud and account takeover while eliminating mobile, computer and tablet authentication friction. The product comprises the following technologies:
- Silent network authentication: Zumigo captures the phone number passively from a mobile device’s cellular signal with the mobile network operator (MNO) to verify possession and ownership. It works by using a process called header enrichment to…
Zumigo Assure Authentication
Zumigo Assure Authentication enables seamless, secure first-time sign-ups and returning passwordless sign-ins for consumers. It prevents identity fraud and account takeover while eliminating mobile, computer and tablet authentication friction. The product comprises the following technologies:
- Silent network authentication: Zumigo captures the phone number passively from a mobile device’s cellular signal with the mobile network operator (MNO) to verify possession and ownership. It works by using a process called header enrichment to automatically identify the MNO assigned phone number for the device.
- One-time passcode: Zumigo generates and sends one-time passcodes to the consumer’s mobile phone via SMS, SMS link, voice OTP, and QR code, and verifies the passcode when it is entered into the app or website. Before sending the passcode, Zumigo can first assess the account takeover risk of the consumer’s mobile phone. This step ensures that the passcode is received by the intended device instead of a scammer’s to reduce fraud.
- Passkeys: an asymmetric key pair is generated after verifying mobile phone number possession and ownership during enrollment. The private key is stored in the secure enclave of the mobile phone and the public key, now associated with the verified mobile number, is shared with the server. Subsequent logins via the same device will bypass the sign-in process, resulting in a frictionless experience.
Any of these methods can be layered with other verification and authentication methods for more protection and risk insights to determine trustworthiness, especially for high-value transactions or accounts. Additionally, these technologies also allow the transfers of the authenticated and verified trust from the mobile phone to a desktop/laptop/tablet so that the consumer can sign into an online application without using user names and passwords.
Zumigo Assure Authentication is available in two ways:
- Integrate via API
- Low-code configurator
Why Zumigo Assure Authentication?
- Verify the owner is in possession of the phone
- Improve consumer experience during account opening or sign-ins by using seamless, low friction authentication methods
- Satisfy Know Your Customer (KYC) requirements when they volunteer their phone number for authentication and verification
Zumigo Assure Sentinel
Zumigo Assure Sentinel provides real-time and batch screening for businesses that must ensure they are not transacting with sanctioned individuals or entities, politically exposed persons, or those flagged through adverse media. It screens customers at the point of onboarding and continuously monitors the enrolled customer base — automatically re-screening whenever a relevant sanctions list is updated — so compliance gaps don’t open between scheduled checks. Assure Sentinel covers the core…
Zumigo Assure Sentinel
Zumigo Assure Sentinel provides real-time and batch screening for businesses that must ensure they are not transacting with sanctioned individuals or entities, politically exposed persons, or those flagged through adverse media. It screens customers at the point of onboarding and continuously monitors the enrolled customer base — automatically re-screening whenever a relevant sanctions list is updated — so compliance gaps don’t open between scheduled checks. Assure Sentinel covers the core pillars of compliance screening and returns a clear, auditable result for every screening event:
- Real-time screening of individuals and businesses at onboarding or point of transaction, with results returned via API in milliseconds
- Scheduled batch screening of the full enrolled customer portfolio, with automatic re-screening triggered by sanctions list updates
- Coverage of all major global sanctions lists including EU Consolidated, US OFAC Specially Designated Nationals (SDN), US Entity List, US Denied Persons List, and UK OFSI — with optional country-triggered list sets for market-specific compliance requirements
- Politically Exposed Person (PEP) screening to identify individuals in prominent public roles and their close associates, supporting risk-based due diligence requirements
- Adverse Media screening across global news and regulatory sources, surfacing reputational and conduct risk signals relevant to corporate risk and policy compliance
- Web-based console for reviewing screening results, managing cases, monitoring batch runs, and exporting audit records
- Full audit trail retained per regulatory requirements, with role-based access and exportable reports
AI-Powered Screening Summaries
Every screening event surfaces multiple documents and potential matches — sanctions list entries, PEP records, and adverse media articles — that an analyst must read, interpret, and reconcile before reaching a decision. Assure Sentinel’s AI summarization reads the complete set of documents surfaced during a screening event and produces a concise, plain-language assessment of the findings: who matched, why, against which lists, and the strength of the signals involved.
The result is faster, more consistent case review. Analysts move from raw search results to an informed starting point in seconds, with the underlying documents always one click away for verification. Every AI summary is captured in the audit trail alongside the source documents, preserving full transparency and traceability for regulatory reporting.
The AI summary is designed as decision support, not decision automation. It accelerates analyst review and surfaces the most relevant signals, while the final compliance determination remains with your team — preserving the human accountability that regulatory frameworks require.
Flexible Deployment
Assure Sentinel is available in two ways:
- Integrate via API for real-time transactional screening and bulk enrollment
- Web-based console for operational management, batch scheduling, and results review
Why Zumigo Assure Sentinel?
- Meet export control and sanctions compliance obligations for B2C and B2B customer bases across multiple markets
- Cut review time and decision friction with AI-generated summaries that distill every document and match into a clear, concise assessment — so analysts spend less time reading raw results and more time acting on them
- Identify PEP relationships and adverse media signals to support risk-based due diligence and corporate policy compliance — going beyond regulatory minimums
- Eliminate compliance gaps with continuous monitoring — re-screening is triggered automatically when sanctions lists change, not just on a fixed schedule
- Screen at enterprise scale — built to handle billions of screening transactions annually with sub-second response times and 99.5% availability
- Maintain a complete, exportable audit trail for every screening event to support regulatory reporting and internal governance
Zumigo DeRiskify
Zumigo DeRiskify provides a comprehensive security and fraud prevention suite for e-commerce merchants. The suite of products leverages deterministic digital user information from authoritative sources to authenticate users at the point of accessing e-commerce services in a frictionless way and verify payment methods to stop fraud before orders are processed. This helps businesses to enable secure onboarding with a frictionless approach to maximize conversions while reducing fraud losses by eliminating chargebacks.
For authentication:
…Zumigo DeRiskify
Zumigo DeRiskify provides a comprehensive security and fraud prevention suite for e-commerce merchants. The suite of products leverages deterministic digital user information from authoritative sources to authenticate users at the point of accessing e-commerce services in a frictionless way and verify payment methods to stop fraud before orders are processed. This helps businesses to enable secure onboarding with a frictionless approach to maximize conversions while reducing fraud losses by eliminating chargebacks.
For authentication:
- Merchants can offer passwordless log-in/registration and onboarding option to reduce customer friction and increase conversion.
- Instantly verify customers on their phone with additional, layered protection using email or SMS OTP.
- Merchant dashboard for insights to shopper log-in information: method of log-in (silent network authentication, SMS OTP, Email OTP), device OS, IP address, IP location, network type, browser, timestamp, device, customer name, phone number, mobile network operator, line type – device, IP and phone details
- This product is packaged as Zumigo DeRiskify InstaAuth app on Shopify, BigCommerce
For order risk verification:
- Verify orders by using SMS verification for textable numbers and voice call for non-textable numbers to confirm phone possession
- Validate the name and address associated with the phone number and payment instrument; IP address of the customer’s browser client; email address validity; and geodesic distances between billing address, shipping address and customer IP address.
- Provide trust scores based on the above for each transaction so that a merchant can choose to fulfill only the low-risk transactions.
- Provide a dashboard view of the transactions so that merchants can see how their purchase orders are performing at a glance: number of total transactions, high risk orders, high risk customers, fraud orders processed and related value; type of merchandise that is high risk; and location/origins of risky transactions. Merchants can also drill into each transaction for more information.
- This product is packaged as Zumigo DeRiskify OrderRisk app on Shopify, BigCommerce
Zumigo DeRiskify products are available in three ways:
- Integrate via API with any custom e-commerce store for simple and seamless verification
- Available as a plug-and-play apps on major e-commerce platforms including Shopify and BigCommerce for easy activation
- Via Zumigo-hosted portal for manual ad hoc risk assessments
Why Zumigo DeRiskify?
- Reduce authentication friction in customer experience
- Improve conversion rates by eliminating passwords
- Protects e-commerce merchants from fraud losses by preventing disputes, chargebacks, and revenue loss due to identity theft and other fraud
- Verify the customer with authoritative sources to comply with KYC requirements
- Grow customer trust, reduce negative sentiment as a result of fraud
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