Knowledge-Based Authentication (KBA):

Knowledge-Based Authentication involves the borrower answering five questions in two minutes. The questions are about the borrower's personal information (ex. when is your birthday?) and they should have no problems answering five questions in two minutes. They have two attempts to answer four out of five questions correctly or else they got locked out for 24 hours for no exceptions.

Knowledge-Based Authentication can be triggered manually by the notary in their eClose Console, or it will trigger automatically if the borrower accesses the eClosing without having completed it prior. Since borrowers will be prompted to do it anyway when they join the eClosing, most of the time, it is not necessary to send out the KBA except for the situation outlined below.

If KBA questions cannot be generated for a borrower, it means that there is not enough publicly available information. This typically happens for borrowers that are "foreign" or have not lived in the United States for an extended period. KBA questions are not generated ahead of time and are only generated when the borrower attempts it. If there is reason to believe that the KBA may fail to generate questions for the borrower, the notary can send the KBA via email to the borrower prior to the scheduled closing. If the KBA is unable to generate questions, the transaction will not be able to move forward as a RON.

Borrowers must pass KBA before they can sign as part of a RON transaction.

Feel free to provide the following script to the borrower regarding KBA: KBA is straightforward – 5 questions, answer 4 correctly in 2 minutes, 2 tries, if not, you get locked out for 24 hours. You can do it ahead of time via an email sent from the notary, but most of the time, you will do it when you enter the RON session. If you did not do KBA prior to entering the eClose room, it will automatically prompt you to do it before you can sign anything.

Identity Verification (ID Verify):

Identity Verification or ID Verify must be manually triggered by the notary in their eClose Console. It can be sent ahead of time or after the eClose has started.

Borrowers must pass ID Verify before they can sign as part of a RON transaction.

The borrower will typically receive a text message to initiate the process, but the notary can also copy the link and send it via email as an alternative.

• If the identity verification arrives via text, the borrower clicks on the link in the text message, and the process begins in a mobile web browser window. The borrower will be asked to select the type of identification they will be submitting and the country that issued the identification. The interface will ask for access to their device camera and/or photos, and the borrower will be prompted to capture and/or upload a copy of their identification, usually front and rear. The borrower will also be prompted to take a selfie so our system can compare.
• If the borrower is attempting identity verification on a non-mobile device, the process will skip a few steps, directly asking the borrower to upload copies of their identity and a selfie, instead of asking for permission to access the device’s camera and/or photos.

Please note that our system may reject uploads - pictures can be categorized as "blurry" or have busy backgrounds and bad lightning. Aside from taking a high-resolution photo with appropriate lighting, ensure that pictures have plain backgrounds - selfies should be taken against a wall, and identifications should be placed on a clean, uncluttered surface. Other issues may arise from the system rejecting the selfies against the ID. Remove any coverings that may obscure the head or the face in any way.

Feel free to provide the following script to the borrower regarding ID Verify: Be prepared to receive a text on your phone with either a physical copy of your ID ready or a clear picture of your ID that you took ahead of time (front and back!). Answer a few simple questions about your ID (type, country of issuance) and prepare to grant access to either your camera or photo roll. You will need to upload copies of your ID and then take a selfie so our system can verify that it’s you.