9. A system comprising: at least one memory for storing data and computer-executable instructions; and at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to: receive a set of identity information supplied by a subject; query one or more public or private databases with at least a portion of the set of identity information; receive, in response to the querying, independent information, wherein the independent information is not received from the subject; produce, responsive to receiving the independent information, 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; receive, in response to sending the one or more identity proofing queries, at least one query response; compare with the at least one processor, the one or more proofing queries and the at least one query response; determine, 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 initiate, based at least in part on the comparing and on the determining, one or more of authentication enrollment of the subject and multi-factor authentication of the subject.
9. A system comprising: at least one memory for storing data and computer-executable instructions; and at least one processor configured to access the at least one memory and further configured to execute the computer-executable instructions to: receive a set of identity information supplied by a subject; query one or more public or private databases with at least a portion of the set of identity information; receive, in response to the querying, independent information, wherein the independent information is not received from the subject; produce, responsive to receiving the independent information, 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; receive, in response to sending the one or more identity proofing queries, at least one query response; compare with the at least one processor, the one or more proofing queries and the at least one query response; determine, 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 initiate, based at least in part on the comparing and on the determining, one or more of authentication enrollment of the subject and multi-factor authentication of the subject. 11. The system of claim 9 , wherein the set of identity information comprises, 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.