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 fraud detection signals. Device intelligence, phone intelligence, geolocation, and repeat fraud detection signals work in the background to detect fraud without impacting user experience or turnaround times.

Phone Intelligence

Enhance user risk profiles and fraud detection with low friction phone verification. Onfido delivers a 'reputation score' to validate a user's identity based on phone signals. The Phone ID delivers actionable analysis based on phone number intelligence, traffic patterns, and multiple uses from global data consortiums. So your business can strengthen user risk profiles, without negatively impacting your user experience at sign-up.

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. Repeat Attempts works during Document Verification to check for repeat information across IDs you’ve seen before, even if there’s only the slightest variation in attributes. During Biometric Verification add Known Faces to check for repeat faces provided at onboarding.

Fraud signals Repeat Fraud

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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.

Fraud can be detected using a range of methods. Traditionally, businesses relied on human intervention to spot signs of fraud, such as checking for counterfeit or forged identity documents. But as many of our processes have moved online, fraud detection has advanced.

Today, businesses rely on artificial intelligence (AI) and data analysis to detect fraud. Specialist AI is trained to detect anomalies across identity documents during document verification and signs of biometric fraud during biometric verification. Combining data signals and document and biometric verification is one of the most effective fraud detection methods.

Fraud detection is important for several reasons. Firstly, it helps protect a business’s bottom line. If fraudsters slip through your defenses, they are likely to take full advantage of your services, which can mean significant monetary losses. Fraud detection can also help prevent chargebacks. If your customer becomes a victim of fraud, you are subject to costs such as chargebacks which impact revenue.

Robust fraud detection helps to protect your business reputation and customer satisfaction. By keeping your customers safe, they are more likely to remain loyal customers.