POLICY BASED ADAPTIVE IDENTITY PROOFING

Certain aspects of the present disclosure provide techniques for determining an identity of a user requesting access to a resource. An example technique for determining the identity of the user includes, upon receiving a request for a resource, determining the identity assurance strength of the user. The determination of the identity assurance strength of the user is based on personal identifying information, risk signals, user history, and the like. If the user does not have the requisite identity assurance strength to access a resource, based on policy criteria, an identity proofing operation may be determined for the user to complete in order to access the resource, where the operation is determined based on policy criteria, risk signals, and the like. Upon completion of the identity assurance operation, if the user has adequate identity assurance strength, then the user may access the resource.