The Problem with How Address Verification Works Today

Most BGV forms are built to collect a candidate’s current address and, at best, their permanent address. But residential history in India is rarely that simple. Candidates move cities for college, relocate for their first job, share accommodations between roles, or return home during career transitions. Each of those addresses is a node in their residential history — and each one left unverified is a potential gap that can surface later as a red flag, a delay, or a compliance risk.

The traditional workaround is manual follow-up: a recruiter or a verification analyst calls or emails the candidate mid-process to collect the missing address. This adds days to the timeline, creates a disjointed candidate experience, and introduces errors because addresses recalled after the fact are rarely precise. In a high-volume hiring environment — or when you’re onboarding hundreds of employees across distributed locations — this bottleneck compounds fast.

What Is Intermediate Address Collection on BGV Form?

SpringVerify’s new Intermediate Address Collection on BGV Form feature allows your team to configure the background verification form to proactively capture every address a candidate has lived at within a defined lookback window — not just their current and permanent addresses, but every intermediate address in between.

Candidates are prompted during the BGV form itself to provide their full residential history. You choose how far back the lookback window goes — whether that’s two years, five years, or a custom period based on your policy. You also choose the verification method applied to each address. The entire process happens upfront, before verification begins, so your team never has to chase anyone down for missing information.

How It Works

1. Configure your lookback window. During BGV setup, your team defines the residential history period you want to cover — for example, the last five years. SpringVerify applies this configuration to the candidate-facing form automatically.
2. Candidates declare all addresses at form submission. When candidates fill in the BGV form, they are guided through a structured flow to enter every address they have lived at within the configured window. The form validates entries in real time, reducing incomplete or ambiguous submissions.
3. Select your verification method per address. For each intermediate address collected, you can configure the appropriate verification method — digital, physical, or postal — based on the address type, location, or your internal risk policy.
4. Verification begins immediately, without follow-up. Because all addresses are collected at the point of form submission, SpringVerify’s verification engine can begin processing all of them in parallel. No waiting. No back-and-forth. No delays caused by missing data.

Real Impact

The difference this makes is not incremental — it reshapes the entire address verification workflow.

• Faster turnaround times. Eliminating mid-process follow-ups for missing addresses removes one of the most common causes of BGV delays. Cases that previously stalled for three to five days waiting for candidate responses can now move without interruption.
• Higher accuracy. Addresses collected at the time of form submission — when the candidate is actively engaged and focused — are more accurate than addresses recalled days later under a follow-up request. Better data in means cleaner verification outcomes.
• Complete residential history, no gaps. For roles requiring thorough due diligence — finance, legal, senior leadership, or regulated industries — a complete and verified residential history is not optional. This feature ensures nothing falls through the cracks by design, not by luck.
• A seamless candidate experience. Candidates go through a single, structured form interaction rather than receiving unexpected calls or emails asking for more information. It feels professional, organised, and respectful of their time — which reflects directly on your employer brand.

Who Should Use This

High-volume hiring teams in IT and GCC environments onboarding hundreds of laterals per quarter will immediately feel the impact. When address follow-ups are multiplied across dozens of open cases simultaneously, the time saved per case adds up to weeks recovered per hiring cycle.

BFSI and fintech organisations with regulatory obligations around employee due diligence need complete residential histories as a compliance baseline, not a best-effort exercise. This feature makes that standard enforceable and auditable.

HR leaders at companies with distributed or remote-first hiring — where candidates may have lived across multiple cities in quick succession — will find that intermediate address collection closes the single biggest verification blind spot in a geographically mobile workforce.

Start Verifying the Full Picture

Incomplete address history has been a quiet tax on BGV quality and timelines for too long. Intermediate Address Collection on BGV Form is now available to all SpringVerify clients, and configuration takes minutes. If you want to see exactly how it fits into your existing onboarding workflow, our team is ready to walk you through it.

The post Residential History Gaps Are Killing Your BGV Turnaround. Here’s How We Fixed It. appeared first on SpringVerify Blog.

These ID proofs could only help with a residence attached to an individual and cannot confirm if the individual resides at the address. It is where the problems start.

The address an individual provides during a background check could be an old address or a false one. This is the reason a physical verification by a field agent is the only way to verify an address accurately.

Most countries have a national address database which could be accessed for verifying anyone’s address. Having such a database in India with the multiverse of languages and culture is close to an impossibility.

There is, of course, Aadhaar which is the biggest repository of human data ever compiled in history. It includes addresses, but the addresses wouldn’t help you get to the residence, let alone confirm if the bearer lives there.

What is address verification? 

Address verification refers to the verification of the address that the candidate shares with the company. In simple terms, address verification is for the authentication of a person that verifies the address they claim to live in is genuine or not.

Address verification is done for various purposes, such as employee hiring, granting scholarships to students, or onboarding customers for the bank. For example, employee address verification is a vital step at employee hiring. It is because an employee can access sensitive information about the company. Hence, an employee must be a trusted person.

Similarly, a bank needs genuine customers. It ensures this verifying address documents that include government ID proof of the person mentioning their name, address, and photograph. And these days, people prefer online address verification.

Need for address verification

Data plays a very crucial role in business initiatives and plans. A total of 97% of the company’s employees use this data for business opportunities, increasing the total revenue and serving their best to the customers. There will be fewer wasted outbound mails, reduced accurate marketing activity, and low costs with address verification. 

As per a study by the Association of Certified Fraud Examiners, there was a total of 43% of occupational frauds, of which 52% of companies performed address verification and background checks while 48% of companies did not follow the same. The companies who performed background checks found some fraud cases as well. And by taking immediate action, companies can prevent potential damage or loss.

Organizations that require address verification

Every industry requires address verification to prevent fraud. However, it is most important in the financial and e-commerce sectors because:

• Financial sector: Employees and customers are required to go through address verification in financial institutions. It is also necessary for the organization to authenticate individuals to mitigate the risk of account takeover, money laundering, and terrorist financing.
• E-commerce sector: The e-commerce industry faces enormous losses every year because of the orders returned. Address verification service in the e-commerce sector adds a layer of security to reduce fraudulent activities and prevent losses to the company.

Address verification process

Employee central address validation can be done in two ways:

• Physical address verification: Physical address verification is done by a field officer, who verifies the employee details, such as their tenure of stay at the given address, respondent in address verification, and other members living with the employee. An employee can have a permanent or temporary address, of which the permanent address is considered more reliable.
• Online address verification: Online address verification is easier for both employees and employers. Here, the employee needs to upload the address verification documents online, and the verification is done digitally. The online platform verifies the existence of the location using the latitude and longitude values. Then it is followed by a physical inspection.

Alongside other background verification services, SpringVerify conducts hundreds of address checks daily. These checks include the remotest of places in India to confirm the permanent address of a candidate may be working in Bengaluru.

The address validation is part of the standard checks we do at SpringVerify and a process we tackle daily. We have infused the process with technology to the extent possible, yet it remains an operational nightmare. The reason for the complexity lies in the fact that there is human effort involved in confirming addresses.

A SpringVerify agent is assigned to every address verification task who will:

• Visit the address in question
• Take images of the residence with the candidate
• Upload the image through a secured app
• Finally, provide a confirmation

The challenges we overcome with technology

• Time Management: The process looks straightforward until we realize that finding a mutual time for the candidate and the agent to visit the address in itself is tough. The candidate or someone from his/her family needs to be available at the residence to verify. We use notifications and updated time slots to make sure the address check happens at the first instance.
• Safety: Making sure of the safety of both the candidate and the agent while performing the address check is crucial. The agent at no point has the actual phone number of a candidate. The calls are always routed through different call bridges for safety and anonymity. We also make sure we verify the identities of the agents before we allow a check performed by them. It is essential for the process to be successful and as error-free as possible.
• Data Security: The data collected from the residence in the form of images and confirmation notes are uploaded via an encrypted device to our databases. The information is never available with the agent to access and is written to encrypted servers to keep it from appending even by our backend teams.

About SpringVerify

SpringVerify is the modern take on the age-old problem of employee verification being costly, tedious, and out of reach of small businesses. We are trying to build a platform where the employee verification process happens seamlessly and with minimal effort required from both the company and the employee.

We believe that employee verification is a must for any business. It is a critical process in ensuring that every employee working with you is faithful and could be trusted. CareerBuilder survey shows that a company stands to lose on average $17000 on a wrong hire.

We have built the platform with blockchain and believe that it will change virtually everything it comes in contact with. Blockchain helps us in building a decentralized system which keeps all our data secure and immutable.

FAQ

What is address verification API?

It is an application programming interface that verifies postal addresses automatically. They integrate with websites and databases to enhance their data.

What can be used as address verification documents?

Below is the list of valid address verification documents for an individual:

• Government-issued ID
• Social security card
• Utility bill
• Insurance card
• Property tax receipt
• Lease agreement
• Driver’s license
• Posted mail with applicant’s name
• College enrollment papers
• Voter registration card

What is the purpose of address verification?

Address verification is often a mandatory process before hiring an employee, offering a loan to someone, or other similar instances in order to:

• Avoid identity frauds.
• Ensure that the candidate is not linked to illegal communities
• To send out documents and letters physically.
• To figure if the candidate committed a criminal act during his employment with your organization.

How is address verification done in India?

The address verification in India is done with the help of a verification software and photographic evidence.

[Published September 6, 2019 Last Updated June 6, 2022]

The post Efficient Address Verification Is Tricky [2026 Updated] appeared first on SpringVerify Blog.