KYC Requirements in the U.S.
Deliver secure, seamless customer onboarding while supporting U.S. Know Your Customer (KYC) and anti-money laundering (AML) requirements with confidence. Entrust Identity Verification helps organizations verify identities, combat fraud, and satisfy Customer Identification Program (CIP), Customer Due Diligence (CDD), and risk-based compliance requirements.
미국 KYC regulations require covered financial institutions to verify customer identities and assess risk as part of their broader anti-money laundering (AML) programs. Entrust helps financial institutions and digital businesses support their KYC requirements through document verification, biometric authentication, data validation, and fraud detection solutions that improve both security and customer experience.
솔루션 주요 특징
Navigate U.S. KYC compliance with confidence
Verify customer identities, support CIP and CDD requirements, and strengthen AML compliance through automated identity verification.
Reduce the risk of identity fraud
Detect fraudulent users with AI-powered document verification, biometric authentication, and advanced fraud signals.
Deliver Secure, Frictionless Customer Experiences
Streamline onboarding and customer verification while maintaining trust, compliance, and operational efficiency.
Entrust가 어떻게 도움이 됩니까?
Navigate U.S. KYC and AML compliance
Meet evolving customer identification, due diligence, and anti-money laundering requirements through automated identity verification and risk-based workflows.
Build configurable workflows
Verify identities, support risk-based compliance programs, and create seamless onboarding experiences through configurable, automated workflows.
Stay ahead of emerging fraud threats
Protect your business from increasingly sophisticated fraud with document verification, biometric checks, and intelligence signals designed to identify high-risk users.
Deliver frictionless customer experiences
Balance security and convenience with identity verification experiences designed to reduce abandonment and improve conversion.
Simplify IDV at scale with efficiency
Automate identity verification, data validation, and decisioning processes to help reduce manual reviews and support business growth.
Digitize customer onboarding with confidence
Create secure onboarding journeys to acquire customers faster while maintaining compliance across digital channels.
Partnering with Entrust IDV, formerly Onfido, has helped us deliver a premium onboarding experience for new customers while enabling us to meet strict KYC requirements.
Hasan Luongo, Chipper Cash 글로벌 마케팅 부사장
미국의 KYC 규정에는 어떤 것이 있습니까?
미국 KYC regulations require covered financial institutions to verify customer identities, understand customer risk, and maintain controls that help prevent money laundering, fraud, terrorist financing, and other financial crimes. Financial institutions, fintechs, lenders, and other regulated businesses must implement risk-based identity verification and due diligence processes that support both compliance and customer trust.
Built on the Bank Secrecy Act and strengthened through subsequent AML legislation and FinCEN guidance, modern KYC programs increasingly rely on digital identity verification, biometric authentication, and fraud prevention technologies to support compliance efforts while delivering faster, more efficient customer onboarding experiences.
AML법이란 무엇입니까?
AML 법(2020년 자금세탁방지법)은 미국 AML 법률에 대한 수십 년 만의 가장 중요한 개혁입니다. 이 법안은 이전 법안과 달리 의심스러운 활동에 대한 보고만 엄격히 하는 것과 달리 위험을 식별하고 관리하는 데 중점을 둡니다.
AML 법은 재무부 산하 금융범죄수사망(FinCEN)에서 다양한 규정 제정을 이끌어냈습니다. FinCEN은 2021년 6월에 자금세탁 방지 및 테러자금조달 방지(AML/CFT) 우선순위 목록을 처음으로 발표하면서 주요 위협 추세와 정보 리소스를 강조했습니다. 우선순위 목록은 3~4년마다 업데이트될 것으로 예상되며, 금융 기관은 이러한 우선순위가 향후 규제 변화에 반영되므로 주의를 기울여야 합니다.
Customer Due Diligence and Beneficial Ownership Verification
Effective KYC programs go beyond verifying identity at onboarding. U.S. financial institutions must confirm who their customers are, continuously assess risk, and maintain ongoing assurance and visibility into suspicious activity. A risk-based CDD approach helps organizations meet regulatory expectations while reducing financial crime risks and building trusted customer relationships.
Organizations should be able to:
- Confidently verify customer identities
- Establish risk-based customer profiles
- Identify beneficial owners and control structures
- Monitor customer activity over time
- Detect suspicious behavior and potential fraud
- Support ongoing AML compliance efforts
How Do Organizations Meet U.S. Identity Verification Requirements?
Meeting U.S. KYC requirements requires more than collecting customer information. Organizations must be able to verify identities, assess risk, and detect potential fraud while maintaining a seamless customer experience. Modern identity verification solutions combine document verification, biometric authentication, trusted data sources, and fraud detection technologies to help organizations establish trust in digital interactions.
By taking a risk-based approach, businesses can strengthen compliance efforts, reduce manual review processes, and onboard customers with greater confidence.
How Does Entrust Support U.S. KYC Compliance?
By helping organizations verify identities at onboarding as well as supporting ongoing customer due diligence throughout the customer lifecycle, Entrust combines document verification, biometric authentication, trusted data sources, fraud detection signals, and workflow orchestration to help businesses meet compliance requirements while reducing operational complexity.
With configurable, risk-based workflows, organizations can adapt verification requirements to different customer types, risk levels, and regulatory obligations while maintaining a consistent customer experience.
프라이버시 및 보안을 중심으로 구축된 Entrust
SOC 2 Type II 규정 준수
강력한 보안 프로토콜을 통해 고객 데이터를 안전하게 보호합니다.
ISO 27001 인증
인증번호: IS 660122.
WCAG 2.1 AA 규정 준수
당사의 솔루션은 접근성이 뛰어나고 독립적으로 인증받을 수 있도록 구축되었습니다.
CCPA, BIPA 및 새로운 개인정보 보호법
당사는 규제 기관과 협력하여 솔루션에 개인정보 보호 관리 기능을 포함하고 있습니다.
FAQ
Who regulates KYC compliance in the United States?
There isn’t one single KYC regulator. In the United States, the core requirements come from the Bank Secrecy Act (BSA), expanded over time by the USA PATRIOT Act and the Anti-Money Laundering Act of 2020 (AMLA). FinCEN, part of the U.S. Treasury, writes the rules. Depending on the type of institution, oversight and enforcement then fall to the federal banking regulators, the SEC, CFTC, or state regulatory authorities.
What customer information must be collected for KYC in the U.S.?
Organizations typically collect and verify a customer's name, date of birth, residential address, and identification number through Customer Identification Program (CIP) requirements. Additional information may be required based on the organization's risk assessment and regulatory obligations.
What is the difference between CIP, CDD, and Enhanced Due Diligence (EDD)?
CIP verifies a customer's identity at account opening. Customer Due Diligence (CDD) builds on that by assessing customer risk, identifying beneficial owners, and monitoring the relationship over time. EDD applies additional scrutiny to higher-risk customers, transactions, or jurisdictions.
Do U.S. KYC regulations allow digital identity verification?
예. U.S. regulations are generally technology-neutral and allow organizations to use digital identity verification solutions, biometric verification, document verification, and risk-based controls, provided they meet compliance requirements and appropriately verify customer identities.
Why is biometric identity verification becoming important for U.S. KYC programs?
Biometric verification helps organizations combat identity fraud, synthetic identity attacks, account takeover attempts, and AI-generated impersonation while reducing customer friction during onboarding.
How does the Patriot Act affect KYC?
The PATRIOT Act was enacted on October 2001. Section 326 of the Act amended the Bank Secrecy Act by adding Customer Identification Program (CIP) requirements.
"These programs must enable institutions to form a reasonable belief that they know the true identity of each customer opening an account through identity verification, recordkeeping, and screening against government-provided terrorist lists."
KYC is a compliance framework that institutions use to satisfy regulatory requirements. It commonly incorporates requirements like AML, CDD, and CIP.
The following statutes cover these in more detail:
31 U.S.C. § 5318(l)
31 C.F.R. § 1020.220
31 U.S.C. §§ 5311-5336
Entrust의 신원 전문가가 요건을 검토하고 질문에 답변하며 KYC 솔루션 데모를 설정해 드립니다.
법률 및 규제 요건은 관할 지역, 산업, 제품 및 사용 사례에 따라 다를 수 있으며 시간이 지남에 따라 변경될 수 있습니다. 이 페이지에 제공된 정보는 일반적인 정보 제공 목적으로만 사용되며, 게시일 기준 당사의 이해를 반영합니다. 이는 법률, 규제 또는 준수 관련 조언으로 간주되어서는 안 되며, 그러한 목적으로 의존해서도 안 됩니다. 귀하의 사업에 적용될 수 있는 질문이나 요건에 대해서는 법률, 규정 준수 또는 규제 관련 자문가와 상담하십시오.