HMAC-SHA256 signed, so you can verify authenticity before you act on it.
Query the session by transaction ID any time the webhook doesn't land.
A clear result reaches the user's screen the moment the decision is made.
e-KYC Policy Document, effective 15 April 2024
BNM expects document verification, biometric face matching and liveness detection as the core of an e-KYC solution.
Institutions must track FAR on a tiered scale, with board review above 3% and notification to BNM above 5%.
Each module must undergo external assessment and breakthrough testing, referencing standards such as ISO 30107-3 and ISO 19794-5.
The Board must approve the e-KYC risk framework, with half-yearly performance records submitted to BNM.
AML/CFT Notices & CDD requirements
MAS Notices such as 626, 824 and the PSN payment-services notices require identification, verification and ongoing monitoring of customers.
Non-face-to-face and higher-risk customers call for Enhanced Due Diligence under MAS's CDD expectations.
Customer and transaction records, including CDD evidence, must be retained for at least five years.
MAS's National AML Strategy explicitly encourages AI-driven liveness and deepfake detection as part of modern onboarding.
These obligations sit with the licensed institution, not the technology vendor. iVerifier provides the verification pipeline and the session evidence behind it — your compliance, risk and audit teams remain responsible for board approval, independent assessment, FAR governance and regulatory submission under BNM and MAS requirements.
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