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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.
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
✅ 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.
✅ 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
✅ 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
✅ Corrects employer names and distinguishes between umbrella, agency, and direct employment.
✅ Verifies employer trading dates, ensuring records match active businesses
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
🔗 See how companies are transforming their verification process
➡️ Book a demo today to unlock faster, more accurate verifications with Konfir.