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title: "FAQ: Choosing the Right Verification Tool for Your Needs - CA | Realaml Help Center"
description: "FAQ: Choosing the Right Verification Tool for Your Needs - CA | Realaml Help Center"
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# FAQ: Choosing the Right Verification Tool for Your Needs - CA | Realaml Help Center

### FAQ: Choosing the Right Verification Tool for Your Needs - CA

Based on your queries and the details in the provided document, here's a structured FAQ to guide your clients on which verification tools to use and in what circumstances:

![](https://help.realaml.com/hubfs/Knowledge%20Base%20Import/JORDAN_HEADSHOT_2025-1741884224-2.png)

 Written by Jordan 

 Updated over a year agoJordan

### **1. When should I use FaceMatch?**

FaceMatch is ideal for **basic identity authentication** where you need to confirm your client's identity using government-issued photo IDs. It's perfect for:

- Verifying identity remotely via selfies and ID scans.
- Meeting **Virtual Verification with Authentication** requirements.
- Low-risk transactions or clients with minimal fraud concerns.

Verifying identity remotely via selfies and ID scans.

Meeting **Virtual Verification with Authentication** requirements.

Low-risk transactions or clients with minimal fraud concerns.

### **2. When is Quick IDV the best choice?**

Quick IDV is your go-to for **swift and efficient verifications** when time and simplicity are key. Use Quick IDV for:

- Verifying a client's **name, DOB, and address** using two trusted Canadian data sources.
- **Low-risk transactions** where clients may be less comfortable with advanced technology.
- Compliance with the **Dual Process** or **Credit File Method** for Law Society requirements.
- **PEP and HIO Checks**: Quick IDV automatically includes these checks to identify **Politically Exposed Persons (PEPs)** and **Heads of International Organizations (HIOs)**, ensuring regulatory compliance.

Verifying a client's **name, DOB, and address** using two trusted Canadian data sources.

**Low-risk transactions** where clients may be less comfortable with advanced technology.

Compliance with the **Dual Process** or **Credit File Method** for Law Society requirements.

**PEP and HIO Checks**: Quick IDV automatically includes these checks to identify **Politically Exposed Persons (PEPs)** and **Heads of International Organizations (HIOs)**, ensuring regulatory compliance.

### **3. Why choose Face IDV?**

Face IDV offers **enhanced security** and is best suited for transactions involving **heightened fraud risks**. Use Face IDV for:

- Combining **FaceMatch** and **Quick IDV** for a robust verification process.
- Transactions that require compliance with multiple verification methods (e.g., Virtual Verification, Dual Process, or Credit File Method).
- Medium- to high-risk scenarios or where additional layers of identity confirmation are necessary.
- **PEP and HIO Checks**: Face IDV includes these checks for added regulatory compliance and due diligence.

Combining **FaceMatch** and **Quick IDV** for a robust verification process.

Transactions that require compliance with multiple verification methods (e.g., Virtual Verification, Dual Process, or Credit File Method).

Medium- to high-risk scenarios or where additional layers of identity confirmation are necessary.

**PEP and HIO Checks**: Face IDV includes these checks for added regulatory compliance and due diligence.

### **4. What is Face IDV with Bank and Mobile Ownership verification, and when should I use it?**

Face IDV with Bank and Mobile Ownership verification provides **the highest level of due diligence**. It's ideal for:

- **High-risk transactions** involving large sums or heightened fraud concerns.
- Situations where additional due diligence is mandated by stakeholders or regulations.
- Cases where bank account ownership and mobile number verification are necessary to confirm the client’s financial identity and accessibility.
- Includes **PEP and HIO Checks** to ensure all necessary compliance measures are met.

**High-risk transactions** involving large sums or heightened fraud concerns.

Situations where additional due diligence is mandated by stakeholders or regulations.

Cases where bank account ownership and mobile number verification are necessary to confirm the client’s financial identity and accessibility.

Includes **PEP and HIO Checks** to ensure all necessary compliance measures are met.

### **5. How can Instant Verification help in my processes?**

Instant Verification through Quick IDV allows you to complete a verification process **on behalf of your client**, making it highly efficient. It's suitable for:

- Simplifying verifications for clients who are unable or unwilling to complete the process themselves.
- Use cases requiring instant checks with minimal client interaction.

Simplifying verifications for clients who are unable or unwilling to complete the process themselves.

Use cases requiring instant checks with minimal client interaction.

### **6. What should I consider when selecting a verification tool?**

Factors to consider include:

- **Risk level** of the transaction: Low-risk (Quick IDV), medium-risk (FaceMatch/Face IDV), or high-risk (Face IDV + Bank & Mobile Ownership).
- **Client comfort with technology**: For tech-savvy clients, FaceMatch or Face IDV are seamless options. For less tech-comfortable clients, Quick IDV is ideal.
- **Regulatory compliance**: Ensure the tool aligns with Law Society, FINTRAC, or other local requirements.
- **Stakeholder requirements**: If additional due diligence is mandated, opt for Face IDV with Bank & Mobile Ownership verification.

**Risk level** of the transaction: Low-risk (Quick IDV), medium-risk (FaceMatch/Face IDV), or high-risk (Face IDV + Bank & Mobile Ownership).

**Client comfort with technology**: For tech-savvy clients, FaceMatch or Face IDV are seamless options. For less tech-comfortable clients, Quick IDV is ideal.

**Regulatory compliance**: Ensure the tool aligns with Law Society, FINTRAC, or other local requirements.

**Stakeholder requirements**: If additional due diligence is mandated, opt for Face IDV with Bank & Mobile Ownership verification.

### **7. Are all these tools compliant with regulations?**

Yes. FaceMatch, Quick IDV, Face IDV, and Face IDV + Bank & Mobile Ownership are fully compliant with:

- **FINTRAC requirements**.
- **Law Society regulations** for identity verification methods.
- **Dual Process and Credit File Methods** where applicable.

**FINTRAC requirements**.

**Law Society regulations** for identity verification methods.

**Dual Process and Credit File Methods** where applicable.

### Notes:

- **Quick IDV** and **Face IDV** both include **PEP and HIO checks**. These checks ensure you identify **Politically Exposed Persons (PEPs)** and **Heads of International Organizations (HIOs)**, a crucial step for regulatory compliance.
- For **low-risk** transactions, Quick IDV suffices and ensures simplicity.
- For **medium-risk** scenarios or remote verification needs, FaceMatch and Face IDV are excellent options.
- For **high-risk transactions or added due diligence**, Face IDV with Bank & Mobile Ownership is recommended.

**Quick IDV** and **Face IDV** both include **PEP and HIO checks**. These checks ensure you identify **Politically Exposed Persons (PEPs)** and **Heads of International Organizations (HIOs)**, a crucial step for regulatory compliance.

For **low-risk** transactions, Quick IDV suffices and ensures simplicity.

For **medium-risk** scenarios or remote verification needs, FaceMatch and Face IDV are excellent options.

For **high-risk transactions or added due diligence**, Face IDV with Bank & Mobile Ownership is recommended.

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