1. A computer-implemented method comprising: receiving a set of identity information supplied by 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, wherein the independent information is not received from the subject; responsive to receiving the independent information, producing, with 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; comparing with the one or more computer processors, the one or more proofing queries and the at least one query response; determining, by querying one or more watchlists with a combination of the identity information and the received independent information, whether the combination matches information in the one or more watchlists; and initiating, based at least in part on the comparing and the determining, one or more of authentication enrollment of the subject and multi-factor authentication of the subject.
3. The method of claim 1 , wherein receiving the set of identity information comprises receiving, as applicable, one or more of: a name, an address, a birth date, a phone number, and at least portion of a social security number.