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1. A method, comprising: registering, by a funds transfer computing system, a beneficiary to a rating system, wherein registering comprises: receiving, by the funds transfer computer system, an online request to enroll and enrollment information regarding the beneficiary, the enrollment information comprising a first biometric identifier, a number of defects data set, and a first device identifier of a computing device associated with the beneficiary, the number of defects data set generated based on data of the beneficiary and at least one of a list of government-restricted individuals and a data source comprising information regarding regulatory requirements; generating, by the funds transfer computer system, a confidence data set based on determining a degree of consistency of the enrollment information, the confidence data set being indicative of a level of confidence of a source of data of the beneficiary; generating a beneficiary enrollment based on the enrollment information; based on the number of defects data set and the confidence data set, generating, by the funds transfer computing system, a trust score for the beneficiary, wherein the trust score is indicative of the beneficiary's likelihood of being approved to receive funds in an international funds transfer between the beneficiary and a payor; generating, by the funds transfer computing system, an anonymized beneficiary identifier token, the beneficiary token being associated with the identity of the beneficiary and the beneficiary token obscuring the identity of the beneficiary; associating, by the funds transfer computing system, the anonymized beneficiary identifier token and the trust score, wherein the anonymized beneficiary identifier token keeps the identity of the beneficiary anonymous when the trust score is subsequently transmitted; and storing the trust score relationally to the anonymized beneficiary identifier token; receiving, by the funds transfer computing system, identifying information including at least one of a receiving account, a financial institution associated with the receiving account, a beneficiary location, a beneficiary name, and an authentication factor; validating, by the funds transfer computing system, the identity of the beneficiary in response to the received identifying information, comprising receiving a second biometric identifier from the computing device of the beneficiary and comparing the second biometric identifier to the first biometric identifier to ensure a match; receiving a request to complete the funds transfer transaction; when the trust score equals or exceeds a predetermined threshold value, completing the funds transfer transaction, comprising bypassing all of a predetermined international funds transfer check and sending instructions to a financial institution to complete the funds transfer transaction; and when the trust score is below the predetermined threshold value, completing the funds transfer transaction based on performing at least one predetermined international funds transfer check, and, using the anonymized beneficiary identifier token, alerting, by the funds transfer computing system, the beneficiary of the trust score, comprising: generating a pop-up notification alerting the beneficiary that the trust score is below the predetermined threshold, comprising generating a clickable prompt related to a query regarding the beneficiary; displaying the pop-up notification alerting the beneficiary that the trust score is below the predetermined threshold on a user interface associated with the computing device; receiving a second device identifier in response to the query regarding the beneficiary through the user interface; comparing the first device identifier to the second device identifier to ensure a match; and responsive to ensuring a match between the first device identifier and the second device identifier, allowing a beneficiary interaction with the clickable prompt of the pop-up notification on the user interface, wherein the beneficiary interaction with the user interface supplies additional information to generate an updated trust score or complete a funds transfer transaction.
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