Returns the fields and documents still required to complete onboarding for the selected account. Provide the level query parameter to scope the result to one verification level; a level-scoped result may also include a short-lived token for finishing the remaining checks in the embedded onboarding flow. Only a Banking level-scoped read may run verification again: when Banking needs an update (UpdateRequired) with no fields left to collect and no verification flow is assigned, a read by a signed-in Person whose credential grants users.identity-verification:write and who has Write authority on the selected account runs Banking verification and returns the token for the step that is now required. Banking verification status may change as a result. Tax and Enhanced reads, Banking reads in any other status, and reads by API keys, ServiceAccounts or impersonated sessions never run verification; use the trigger verification endpoint and fetch missing fields again. If the Banking re-run is not authorized or fails, the read still succeeds without a token. Before a verification profile exists, a level-scoped read succeeds with empty field and document arrays; that empty pre-profile snapshot does not mean verification is complete. During any impersonation, missing fields and documents remain available, but root and country-profile onboarding tokens are neither issued nor returned; the customer must complete verification themselves. The no-login principal Stakeholder Tax path returns missing fields and documents without issuing an interactive identity onboarding token.