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 associated with 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; determining, with the at least one processor, 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, produce, with the at least one processor, 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; determine, with the at least one processor, 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; evaluate 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, initiate 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 associated with 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; determining, with the at least one processor, 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, produce, with the at least one processor, 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; determine, with the at least one processor, 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; evaluate 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, initiate one or more of authentication enrollment of the subject and multi-factor authentication of the subject. 10. The system of claim 9 , wherein the identity information comprises, as applicable, one or more of: a phone number, an IP address, a location, and a communication device electronic fingerprint.