SentiLink's ID Theft Score is designed to help financial institutions identify fraudulent applicants and protect legitimate consumers by reducing losses from identity theft. This comprehensive tool offers a precise risk score, ranging from 0 to 1000, built on proprietary fraud labels and an understanding of evolving fraud tactics. It provides explanatory reason codes and fraud/risk features, allowing for a deeper analysis of potential threats. The service is augmented by a Fraud Intelligence Team that manually reviews cases and trains models, identifying telltale patterns such as the use of VoIP phones, specific email velocities and syntax, and PII linked with other fraudulent applications. SentiLink also addresses "Frankenstein fraud," where credentials from multiple stolen identities are combined. Unlike sub-features of KYC or ATO products, the ID Theft Score is a standalone solution that integrates various data sources including IP address, address, phone number, DOB, email address, SSN, and behavioral data. It aims to outperform high-friction verification methods like document checks and offers a treatment strategy to verify phone and email ownership without adding unnecessary friction. The product is presented as a complete ID theft solution for almost all financial products.

Features & Benefits

• Precise Risk Scoring: Offers a detailed score (0-1000) with explanatory reason codes and fraud features to identify identity theft.
• Fraud Intelligence Team: Leverages manual case reviews and model training based on deep fraud knowledge to identify emerging tactics.
• Comprehensive Data Sources: Utilizes a wide range of data including IP, address, phone, DOB, email, SSN, and behavioral data for thorough analysis.
• Reduced Investigations & Friction: Aims to outperform document checks and other high-friction methods, streamlining consumer verification.
• Proactive Fraud Prevention: Identifies risky actors at the application stage to prevent downstream losses and protect legitimate consumers.