18. The non-transitory computer readable media of claim 15 , wherein multi-factor authentication comprises one or more of: knowledge based authentication (KBA) and one-time passcode (OTP) authentication.
15. One or more non-transitory computer readable media comprising computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform a method comprising: receiving a set of identity information associated with a subject; querying one or more public or private databases with at least a portion of the set of identity information; receiving, in response to the querying, independent information; determining, with one or more computer processors, and based at least in part on a comparison of the independent information with at least a portion of the set of identity information, zero or more first indicators of fraud risk; responsive to the determining of the zero or more first indicators of fraud risk, producing, with the one or more computer processors, one or more identity proofing queries, wherein at least a portion of the one or more identity proofing queries is based on identity information derived from the independent information; receiving, in response to sending the one or more identity proofing queries, at least one query response; determine, with the one or more computer processors, and based at least in part on a comparison of the one or more proofing queries and the at least one query response, zero or more second indicators of fraud risk; evaluating a fraud score, based at least in part on zero or more of the first and second indicators of fraud risk; and responsive to evaluating the fraud score, initiating one or more of authentication enrollment of the subject and multi-factor authentication of the subject.