Identity verification company Trulioo argues continuous monitoring beats one-time checks. Chief Product Officer Zac Cohen emphasized that effective know-your-customer and know-your-business controls must operate throughout the entire customer lifecycle, not just during onboarding. When organizations silo these functions across separate teams, they miss fraud patterns that emerge over time. The solution is integrated oversight that combines identity data, behavioral patterns and contextual signals. This approach concentrates friction on high-risk actors while streamlining legitimate user experiences. Cohen noted that authentic identities display consistent digital footprints with depth and tenure, while fabricated profiles lack historical coherence.
