Employment verification is about speed, accuracy, and fraud prevention—but relying on a single data source leads to gaps, inefficiencies, and compliance risks. While HMRC, payroll, and Open Banking each provide valuable insights, when combined they provide a complete and accurate view of a person’s work history or income.

That’s why a multi-source verification waterfall is the gold standard for employment and income verification. Instead of relying on one dataset, a waterfall approach layers multiple sources together, ensuring businesses receive clean, verified, and fraud-resistant employment history data.

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The Verification Waterfall: How It Works

A verification waterfall is a structured process that:

✔️ Uses multiple data sources in combination

✔️ Cross-checks records to detect discrepancies

✔️ Automates data cleaning and validation

✔️ Ensures real-time accuracy by pulling data from verified sources

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With Konfir, this means seamlessly integrating:

1. Payroll Data: Employer & Job Title Verification

✅ Confirms job titles, employment status, and direct employer details.

✅ Ensures accurate employment records to avoid discrepancies.

❌ BUT payroll alone doesn’t capture off-payroll work or gaps in employment.

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2. Open Banking: Capturing Off-Payroll Work & Employment Gaps

✅ Detects income continuity, verifying whether someone was working—even off payroll.

✅ Identifies what someone was doing in between jobs to verify Gaps in Employment

❌ BUT Open Banking does not always give accurate enough dates of employment

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3. HMRC Data: Government-Backed Income & Employment Records

✅ Confirms taxed employment history and income

✅ Provides official employment dates

❌ BUT lacks job titles, off-payroll work, and can contain duplicate or incorrect employer records

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4. Employer Database: Contextualising & Cleaning Data

✅ Corrects employer names and distinguishes between umbrella, agency, and direct employment.

✅ Verifies employer trading dates, ensuring records match active businesses

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Why a Multi-Source Approach Delivers Better Results

1. More Accurate & Fraud-Resistant Data

• Cross-checking multiple sources ensures no single point of failure.
• Discrepancy detection flags inconsistencies across payroll, HMRC, and Open Banking data.
• Employer data helps prevent fraud

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2. Faster Verifications, Less Manual Work

• Automated data cleaning eliminates manual reconciliation.
• Pre-verified records speed up approvals and reduce friction for users.
• Instant alerts help businesses act on risks faster.

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3. Stronger Compliance & Risk Reduction

• Applicants authenticate directly with sources
• Meet regulatory requirements by reducing reliance on self-reported data
• Compare data from multiple sources from one waterfall

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Multi-Source Verification in Action

Relying on a single data source for employment verification leads to blind spots, inaccuracies, and compliance risks. A multi-source verification waterfall ensures:

✔️ Stronger fraud detection

✔️ Faster verification times

✔️ More reliable decision-making

✔️ Less operational effort

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Konfir’s multi-source verification waterfall is already helping businesses:

🔗 See how companies are transforming their verification process

➡️ Book a demo today to unlock faster, more accurate verifications with Konfir.