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When it comes to verifying employment or income, accuracy matters. Employers, screeners, and lenders rely on this data to make informed decisions, but the reality is that no single source can provide a complete picture. Relying only on HMRC, payroll, or any one dataset leaves gaps. It creates unnecessary friction for applicants, increases scope for manual intervention, and puts compliance at risk.
The solution to these problems is a complete verification waterfall; a structured, multi-source process that adapts to the applicant. At Konfir, we built our waterfall to reflect how people actually work today, combining digital data, stitched insights and, when needed, structured document processing, all in one journey.
On the surface, using HMRC data or a payroll feed might look like a good enough solution. The data is trusted, it is official, and it appears straightforward. But dig deeper, and issues emerge.
HMRC data can be noisy, with duplicates, overlapping roles or incomplete start and end dates. Payroll data adds clarity, but it does not cover multiple jobs, gig roles or non-PAYE income. Open Banking can highlight flows of income, but it may not provide verification of employer name.
Each dataset is powerful in isolation, but none is sufficient alone to solve all use-cases. When verification systems lean on just one, errors creep in, applicants drop off, and operational teams are forced into manual review.
Part of making the Verification Waterfall effective is ensuring declared employment data from applicants can be matched to verified records from sources like HMRC, payroll or banking. The challenge is that these two sides of the data often do not line up neatly, names are abbreviated, records duplicated, or employers rebranded. Left unresolved, this forces teams into manual checks and slows down the process.
Klarity automates the stitching between declared and verified employments. It analyses the relationship between what an applicant provides and what is returned from trusted sources, resolving ambiguity so that checks can progress automatically. This improves accuracy, reduces manual resolution and ensures more applicants are verified successfully in one seamless flow.
Even with multiple digital connections, some applicants sit outside standard datasets. Self employed consultants, limited company directors, CIS contractors or applicants with limited payroll history may not be fully verifiable through digital sources alone.
That is where Document Processing comes in. As the final step of the Konfir Verification Waterfall, it ensures that applicants who cannot or choose not to connect digital data are still supported within a single flow. Instead of email chains or ad hoc uploads as a manual fallback, applicants instead provide documents such as tax returns, payslips or bank statements directly in Konfir.
These documents are automatically checked for fraud, parsed into Konfir’s standard data structure and delivered back in the same Konfir reports you are used to. The result is higher completion rates, reduced admin, and a consistent experience for every applicant, whether their employment history is fully PAYE or not.
The world of work has changed, and verification systems need to keep up. A single source approach is no longer enough. Workers hold multiple jobs, switch contracts frequently, or draw income in non standard ways. Without a waterfall, these applicants fall through the cracks, creating delays, frustration and risk.
Konfir’s Verification Waterfall solves this by layering trusted digital data, cutting through noise with stitching logic, and completing the journey with Document Processing. The outcome is simple: fewer drop offs, more complete verifications, and less manual work for teams.
In today’s environment, a waterfall is not just a ‘nice to have’. It is the only way to verify employment and income with confidence.
Want to learn how a multi-source waterfall can transform your verification process?
➡ ️ Get in touch with us today to see how Konfir provides the complete picture.
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