Regarding customer identity verification - you can accomplish this through documentary methods (The customer provides a photo ID and a bank representative looks at it and ensures it matches the customer and the information they provided) and non-documentary methods (This is usually done through a third party vendor who has access to various data bases).
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"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu