How to Operationalize ALTA v4.2: Identity Fraud Prevention Standards with RON and Identity Verification

ALTA Best Practices v4.2 asks your agency for a written identity fraud prevention program you actually follow, rather than a check at the closing table. The files that turn out fraudulent are very often the ones that moved fastest and gave you the least trouble.

Over 45 minutes we will walk the requirements line by line and show what each one looks like as an operational step. What we will cover:

• ALTA v4.2 treats identity fraud prevention as a documented program, so controls have to be written down, applied consistently, and evidenced afterward.
• Verifying seller identity at intake rather than at closing removes the cost of carrying a fraudulent order all the way to the table.
• Layered controls, including credential forensics and biometric liveness, catch altered and synthetic credentials that visual inspection of an ID will pass.
• Mail-away and at-risk transactions need a higher assurance path that does not slow standard files, which means routing by risk instead of one policy for every order.
• Proof is MISMO certified and certified at NIST IAL2 by the Kantara Initiative, so the identity assurance underneath your program is independently audited.