Campus Solutions
Stop ghost-student fraud before aid is disbursed
Fraudulent "ghost students" enroll to capture financial aid. Herring Bank verifies students using the same bank-grade, Fed-approved processes we use for lending and account opening — with a face-liveness check added — to protect aid funds before they're disbursed.
What it is
What is student identity verification and ghost-student fraud?
Student identity verification is the process of confirming that an enrolled student is a real, legitimate person before they gain access to financial aid, credentials, or campus systems.
It has become critical because of "ghost student" fraud — schemes where fraudulent or non-existent students enroll, often using stolen identities, specifically to capture financial aid disbursements. Herring Bank's Student Identity Verification is built to stop that fraud and protect aid funds before they go out the door. As a bank, Herring Bank verifies identity every day for credit card applications, mortgages, auto loans, and account opening, so we bring those same Fed-approved, bank-grade verification processes to higher education, and add a face-liveness check that confirms the live person on screen matches their government-issued ID. Verification happens before access, aid, or credentials are issued — not after the money is gone — and integrates with your Student Information System (SIS) and the broader Campus Solutions platform. The result is bank-grade identity assurance that helps your institution prevent enrollment fraud, protect Title IV financial aid funds, and reduce the administrative burden of chasing fraudulent accounts after the fact.
What it does
Bank-grade verification, built for campus
The same identity processes a bank uses for lending — applied to protect student aid.
Ghost-student fraud prevention
Stops fraudulent or non-existent students from enrolling to capture financial aid.
Bank-grade processes
The same Fed-approved identity verification Herring Bank uses for lending and account opening.
Government ID validation
Validates the student's government-issued ID as part of the check.
Face-liveness check
Confirms the live person matches their driver's license or government ID.
Verified before disbursement
Verification happens before access, aid, or credentials are issued.
SIS & platform integration
Integrates with your SIS and the broader Campus Solutions platform.
Who benefits
Value for your institution and your students
For your institution
Business office
- Help prevent ghost-student enrollment and aid fraud
- Protect institutional and aid funds before disbursement
- Reduce administrative workload
- Strengthen compliance with bank-grade verification
For your students
Students & families
- A fast, secure verification experience
- Protects legitimate students and their aid
- Supports opening a student account when needed
- Trusted, bank-grade handling of identity
Where it fits
Built for the realities of campus
Enrollment & aid
Verify students before financial aid is disbursed to stop fraudulent enrollments.
Account opening
Supports in-flow Herring Bank student account opening for refunds.
Credential issuance
Confirm identity before access or credentials are granted.
Questions
Frequently asked questions
Talk to our College & Campus team
Tell us about your institution and a Herring Bank Campus Solutions specialist will reach out.
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