fraud signals image showing an ID, location and verification
Verification Suite

Fraud Detection

Create a 360 degree view of customer identity with a full range of device, location, document, and biometric signals to detect fraudulent behaviour without impacting user experience or turnaround times.

Phone Intelligence

Enhance each user risk profile by introducing low friction phone verification. Onfido delivers 'reputation score' to validate user’s identity based on phone number intelligence, traffic patterns, machine learning, and global data consortium for multiple uses. The Phone ID offers detailed and actionable global phone number and subscriber data attributes to strengthen authentication, evaluate fraud risks, and enhance the user experience.

Fraud signals - Phone Intelligence

Device Intelligence

Onfido Device Intelligence analyzes IP and geolocation of customer devices and exposes IP spoofing, proxies, and VPNs in less than 15 seconds. Automatically detect rooted and emulated devices, those controlled by remote access trojans (RATs), and those showing signs of OS or SDK tampering.

Fraud signals Device Intelligence

Repeat Fraud

Protect your business from synthetic identity fraud and fraud rings with Onfido’s Repeat Attempts and Known Faces. Without adding any friction, during the document verification Onfido flags when an identity document provided at onboarding has been submitted for verification before with even the slightest variation in attributes. 

Learn about Repeat Attempts
Fraud signals Repeat Fraud
Revolut Logo

Onfido has really aligned with our priorities, working to achieve our desired delivery by rapidly responding and iterating. Direct contact between engineering teams has fostered a beneficial partnership – identifying problems early, collaborating on solutions and improving the overall integration.

Lewis Tuff, Lead Platform Engineer, Revolut

Read Revolut case study

Explore the Real Identity Platform

FAQs

Fraud detection is the process of finding deception. Fraudsters are the people attempting to defraud or deceive others for the purpose of financial or personal gain. Identity fraud is constantly evolving and so must fraud detection techniques and technology. Don’t let your business fall behind. Discover digital identity verification that’s as advanced as the fraudsters. Identity fraud is a major threat to any business. It’s a risk to revenue and to customer trust alike.

Since the digital revolution, identity fraud has evolved. It’s now the fastest-growing crime, as fraudsters can mount attacks and share techniques more quickly than ever. But the right online identity verification solution can defend against this risk.

Smart identity checks — ranging from passive signals at the start of the customer journey through to secure document and biometric verification for higher risk profiles — can identify fraud before it enters your platform and impacts your revenue.

Fraud detection algorithms are designed to catch fraud faster and more accurately than any human ever could. But fraud doesn’t stand still — so neither should fraud detection solutions.

Fraud detection models require up-to-date expertise and fast adaption to new attacks. A static approach leaves businesses vulnerable to new and emerging threats. The most dangerous type of fraud is the fraud you haven’t seen yet.

Onfido’s fraud detection models are powered by Atlas™ AI — our in-house AI built from the ground up over the last 10 years by a team of 200+ engineers and researchers. It’s made of thousands of micro-models that are trained to look for even the slightest shifts in color, texture, shape, and specific fraud signals on individual documents. 

Atlas is expertly trained to recognise what fraudulent and genuine documents look like. This means it’s able to spot known fraud attacks with precision, reducing missed fraud cases by 54% compared with machine learning approaches trained only to spot fraud they’ve seen before. Training Atlas on genuine documents as well as fraudulent documents means that when new attack vectors arise, we accurately detect anomalies and retrain the models in days, not months, empowering you to react quickly.

We’ve also created our own Fraud Lab to ensure that we’re improving our product against the latest fraud trends and techniques. Using our rich datasets and proprietary technology, we train our models using the best insights available, to protect your business today and in the future.

There is no one-size-fits all approach to detecting fraud. Every business case is different, and there are many different types of fraud.

A successful fraud detection solution should incorporate several different layers of protection. Establishing a user’s identity at onboarding using either document verification, or biometric verification, or a combination of both is one line of defence. Passive fraud detection signals such as device intelligence are another, and data verification can help reinforce checks. It’s by looking at all this information as a whole, that businesses have the best chance of detecting fraud.