Overview

Socure Deceased Check instantly verifies whether a customer is deceased as part of identity validation workflows — without needing a full CIP/KYC process. It helps organizations maintain accurate records, reduce compliance risks, and prevent fraud related to accounts held by deceased individuals. Using machine learning and multiple data sources (probate records, obituaries, death certificates, coroners’ reports and more), Deceased Check delivers precise detection that minimizes false positives while satisfying audit and compliance requirements. This solution can operate in real-time or batch mode across the customer lifecycle to flag and handle deceased statuses efficiently.

Features and Capabilities

• **Core Verification Capabilities: **Instantly verifies deceased customer status with high accuracy, without requiring a full CIP or KYC workflow. Machine learning models help reduce false positives while providing key attributes such as date of death and age at death, supported by auditable results for compliance and record-keeping purposes.
• **Comprehensive Data Coverage: **Leverages a broad range of death-related data sources, including probate records, death certificates, obituaries, and coroner reports. This diverse data foundation enables earlier detection of deceased individuals, often ahead of public death master file updates.
• **Flexible Processing Options: **Supports real-time checks during onboarding, authentication, or high-risk transactions, as well as batch processing for large-scale portfolio reviews. Clear reason codes are provided to streamline investigations, reduce manual reviews, and minimize customer friction.
• **Risk and Compliance Support: **Helps organizations meet regulatory CIP and KYC obligations by identifying deceased identities that pose compliance and fraud risks. The solution also supports audit readiness through traceable and defensible verification outcomes.
• **Lifecycle Protection Use Cases: **Can be applied across multiple stages of the customer lifecycle, including pre-account approval screening, ongoing customer portfolio management, high-risk transaction verification, authorized user additions, and escheatment processes for managing accounts associated with deceased individuals.