A computerized system conducts customer identification processing for customers who remotely open accounts with personal identification information that cannot be verified through available data sources. The system receives a portion of identity data in response to a request for the customer to provide the portion of identity data from a customer identification document during a financial transaction. The system updates an identity profile of the customer by combining the portion of identity data with different portions of previously received identity data that were previously received from different merchants during transactions between the customer and the different merchants. Based on comparing the identity profile to unverified identity data of the customer, the system determines whether to maintain or terminate the account.