Identity Assurance Levels (IALs) measure the degree to which digital identities match real world identities with certainty. Azure AD offers authenticators and verifiers that meet NIST AAL3 requirements including multi-factor authentication phishing-resistant multi-factor authentication solutions such as FIDO2 security keys or smartcards as hardware authenticators that meet these criteria.

ID&V uses a comprehensive process to validate a user's identity through numerous checks and assessments. As evidence is submitted, it is compared against reference materials to verify its relevance and authenticity.

NIST IAL3 verification

NIST 800-63A IAL3 verification involves taking extra steps to confirm identity and prevent fraud, such as multi-factor checks, real-time document validation and biometric comparison. Such rigorous verification methods are especially essential in high-risk environments like financial services or regulated healthcare applications; additionally they may also be needed for some government credentials.

The new NIST 800-63A IAL3 framework replaces traditional level of assurance models with a modular framework comprising Identity Assurance Level (IAL), Authenticator Assurance Level (AAL), and Federated Assurance Level (FAL). A modern identity platform supports Zero Trust-alignment through adaptive context-aware verification, hardware authenticators, and strong federation.

The IAL3 proofing process includes an agent visiting customers at physical locations to review identity documents and capture a facial image for liveness detection. Evidence collected at each step is then compared with designated reference evidence - this step helps ensure that proofed data is genuine, authentic, and relates back to an individual; additionally it must meet a minimum STRONG or SUPERIOR verification strength rating.

IAL3 identity proofing

An IAL3 identity assurance level 3  compliant solution offers high assurance identity proofing processes that are resistant to cyber attacks while providing a seamless user experience. Such solutions utilize advanced document verification techniques like multispectral UV light analysis, facial recognition with liveness detection and biometric comparison methods in order to confirm whether claimed identities match real world evidence and are authentic. Moreover, such solutions offer multiple AALs so as to meet different use case requirements.

Relying parties can now select an AAL that best meets their needs while protecting their customers against sophisticated attacks. Traditional delivery methods are susceptible to interception from close relatives or associates; in contrast, mail confirmation codes offer effective protection from such threats.

IAL3 requires on-site attended identity proofing with physical presence of the applicant, making it more expensive and resource intensive than IAL2. However, this method offers greater assurance of identity matching real world evidence; making it ideal for use with sensitive transactions, such as government services or financial institutions.

IAL3 compliant solution

Verifying documents and biometrics manually for IAL3 verification can be expensive and time consuming for remote workforces, requiring trained representatives to physically examine documents and capture biometrics in person. In-person verification also poses security risks such as spoofing. Trust Swiftly's remote solution meets IAL3 requirements while saving money and improving customer experiences while meeting remote workforce demands.

The NIST Digital Identity Guidelines contain three assurance levels (IALs). These indicate the degree to which digital identities match up with real world identifiers.

TrustSwiftly solutions, such as its FIDO Certified passwordless authentication and comprehensive identity verification platform, help companies meet NIST 800-63-3 requirements by strengthening digital processes used for Identity Verification Layer 3 (IAL3) digital processes and eliminating vulnerable password-based methods. Their robust solutions meet IAL3 requirements through chat, video, facial recognition with liveness detection, document authentication as well as step-up reproofing according to risk. Ultimately this helps organizations reduce cyber liability insurance premiums as well as operational costs by eliminating OTP/SMS-based authentications

Trust Swiftly

No matter the industry - be it e-commerce, gaming or financial services - identity verification tools are an invaluable asset to companies across every sector. Not only can these tools prevent frauds but they can also assist companies with adhering to multidimensional legal and supervisory requirements that evolve as regulations change - helping companies easily adapt as regulations shift.

Trust Swiftly's user experience goes far beyond providing customers with top-tier security, however. From its interface and verification processes to user engagement tools that promote positive user interactions and reduce friction - which results in higher conversion rates - saving businesses both money and complying with regulatory requirements.

Trust Swiftly's hardware-based remote IAL3 identity proofing solution, known as IAL3, offers cost-effective and rapid implementation compared to traditional in-person proofing methods. It includes 15 methods for verifying identities such as SMS ownership, credit card ownership, ID verification, selfie liveness testing, banking ownership screening and watchlist screening; providing global coverage without security compromise and helping users quickly identify and respond to threats.