Industries

Tuned to the regulator who's actually examining you.

Default workflows for Reg E, HIPAA, BSA/AML, state DOI requirements, FedRAMP-aligned government identity. You should not be inventing the policy layer.

Banking Insurance Fintech Healthcare Government
01 / Banking

Banking & credit unions

Reg E, BSA/AML, OCC examiner-ready. Onboarding workflows for consumer checking, business banking, lending. CIP and CDD obligations are encoded into the workflow, not bolted on.

01
Digital account openingReplace in-branch CIP with a sub-3-minute mobile flow. Match in-branch decline rates within 30 days.
−72% drop-off
02
High-value transfer step-upLiveness + face match before authorizing wires over a configurable threshold.
99.6% pass
03
Continuous AML monitoringRe-screen on address change, on watchlist updates, on transaction patterns. Single timeline per customer.
14 triggers
Anonymized · Top-5 LATAM bank

"Passflow let us consolidate four legacy vendors. Synthetic identity fraud dropped 87% in the first year."

−87%
Fraud loss YoY
9 min
Median onboarding
4.2×
Year-1 ROI

Compliance scope · Banking

  • Reg EError resolution and consumer protection on electronic transfers.
  • BSA / AMLCIP + CDD encoded. OFAC + PEP + adverse media screening at apply and on schedule.
  • FFIEC ITAuthentication guidance and digital identity risk framework alignment.
  • NIST 800-63 IAL2Identity assurance level 2 evidence collection out of the box.
  • State DFIMoney transmitter and state banking department requirements where applicable.
Banking workflow templates →
02 / Insurance

Insurance carriers & MGAs

Quote-and-bind without fraud leakage. NAIC and state DOI requirements built in. Liveness + document checks at policy issuance for high-value lines.

01
Policy issuance verificationVerify the applicant is real and matches the named insured before bind. Critical for life and high-limit auto.
−54% rebooks
02
First notice of loss authenticationStep-up identity on claim filing to reduce organized claim fraud rings.
3.1% fraud rate
03
Producer onboardingVerify agents and adjusters at appointment. NIPR + biometric checks unified.
<1 day

Compliance scope · Insurance

  • NAIC MDLInsurance Data Security Model Law alignment for PII handling.
  • State DOIPer-state Department of Insurance evidence collection and audit trail.
  • SOC 2 Type IIControl inheritance for vendor risk assessments.
  • GLBASafeguards Rule for non-public personal information.
Insurance workflow templates →
03 / Fintech

Fintechs & neobanks

Sponsor-bank-ready audit trail. CFPB-aligned consumer protection. Built for the moment your BaaS partner asks for the full chain of custody on every KYC decision.

01
Sub-3-minute onboardingSingle-frame liveness, no choreography. Convert at consumer-grade rates with enterprise compliance.
94% complete
02
Sponsor bank reportingAudit packages your BaaS partner accepts on the first pass. CIP/CDD evidence is auto-bundled.
Auto-bundled
03
Synthetic ID defenseCross-check PII consistency, document authenticity, and biometric coherence in one model.
−91% synthetics

Compliance scope · Fintech

  • CFPBUDAAP-aligned applicant communications and decline reasoning.
  • Sponsor bankEvidence packages tuned to common BaaS audit asks.
  • BSA / AMLFinCEN-aligned screening and case management.
  • State MSBMoney services business licensing evidence on a per-state basis.
Fintech workflow templates →
04 / Healthcare

Healthcare systems & payers

HIPAA-grade telehealth identity, patient portal recovery, prescription pickup verification. PHI never lands in our store — verifications run, results return, evidence stays in your EHR.

01
Telehealth visit identityVerify the patient is who the chart says before a controlled-substance prescription is written.
DEA-aligned
02
Portal account recoveryStop social-engineering takeover of MyChart and similar portals. Photo ID + liveness re-auth.
−96% takeovers
03
Prescription pickupIn-pharmacy identity check for controlled substances, integrated with your dispensing system.
PDMP-ready

Compliance scope · Healthcare

  • HIPAABAA available. PHI never persists in Passflow infrastructure.
  • HITRUSTInheriting controls available for organizations under HITRUST attestation.
  • DEA EPCSIdentity proofing aligned with the Electronic Prescription of Controlled Substances rule.
  • 42 CFR Part 2Substance use disorder confidentiality where applicable.
Healthcare workflow templates →
05 / Government

Government & public sector

NIST 800-63 IAL2 evidence collection out of the box. Equity-by-design: alternate paths for citizens without a smartphone or US-issued ID. Bias-audited models.

01
Benefits enrollmentVerify eligibility without a trip to a state office. SNAP, unemployment, Medicaid renewals.
IAL2 evidence
02
State ID issuancePre-screen REAL ID applicants remotely; DMV staff handle exceptions, not the whole queue.
−40% queue
03
Constituent service loginFederated identity for tax portals, courts, licensing. Login.gov-compatible attribute exchange.
SAML / OIDC

Compliance scope · Government

  • NIST 800-63IAL2 / AAL2 evidence and assurance levels documented per session.
  • FedRAMPModerate baseline alignment via OCI Government Cloud regions.
  • StateRAMPAvailable for state and local procurement vehicles.
  • EquityBias audit report and demographic-parity testing on biometric models.
Government workflow templates →
Don't see your vertical?

We build new workflow templates for every signed deal.

If your regulator isn't on the list, bring the rule. We'll encode it into a Passflow workflow and ship the template back to the community.

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