Reputation
Identify and stio friendly fraud with consumer identity data powered by Straddle’s consortium network
Overview
Straddle Reputation matches provided consumer PII (Personally Identifiable Information) and account information against data collected from diverse institutions across the US, including:
- Fintechs and neobanks
- Traditional banks
- Lenders
- Gaming platforms
- Telcos and more
The service returns crucial risk signals that can associate a consumer identity with past instances of confirmed fraudulent or high-risk activities. Additionally, Straddle Reputation includes a dedicated risk score focused on identifying repeat bad actors.
About Reputation Risk Signals
Straddle Reputation risk signals are indicators or warnings derived from our extensive consortium data. These signals suggest whether a consumer identity has been involved in past fraudulent or deceitful behavior, particularly concerning first-party fraud.
You can use these risk signals to help predict the likelihood that a consumer might make bad faith disputes or default on payments. This assessment is based on confirmed, fraudulent activities and can be utilized at various stages:
- During the account opening process
- At the point of a transaction
- When handling a disputed transaction
Use Cases
API Integration
Integrating Straddle Reputation into your systems is straightforward — it’s built in to the existing customer creation flow! The API response provides an additional object with comprehensive overview of the risk assessment.
API Response Example
Below is an example of the reputation object returned by the Straddle API:
Key Fields in the Response
Understanding Insights
The insights object within the API response provides a granular breakdown of the data points contributing to the risk assessment. Straddle provides insights into an identity’s past behavior, including confirmed fraud and payment defaults.
These insights allow for a deeper understanding of the factors influencing the risk score and decision, enabling more informed risk management strategies. Always ensure you have proper consent and legal basis for processing this data in accordance with applicable privacy laws.
Reputation Codes
The following codes provide detailed information about the findings related to the consumer identity. Use these codes to understand specific risk signals identified by the system.
Code | Description |
---|---|
I1001 | Identity not found within Consortium Institutions |
I1002 | National ID was not provided and Straddle was unable to prefill National ID for the given identity |
I1003 | National ID was not provided and Straddle was able to prefill National ID for the given identity |
I1004 | Matched identity onto at least 1 other Consortium Institution |
I1005 | Matched identity onto at least 4 other Consortium Institutions |
R1001 | Found at least 2 distinct DOBs associated with the given identity |
R1002 | Found at least 4 distinct first names associated with the given identity |
R1003 | Found at least 4 distinct last names associated with the given identity |
R1004 | Found at least 3 distinct phone numbers associated with the given identity |
R1005 | Found at least 3 distinct emails associated with the given identity |
R1006 | Found at least 1 application marked as fraudulent associated with the given identity |
R1007 | Found at least 1 application marked as third party fraud associated with the given identity |
R1008 | Found at least 2 applications within 30 days of each other associated with the given identity |
R1009 | Found at least 2 applications within 90 days of each other associated with the given identity |
R1010 | Found at least 1 account marked as fraudulent associated with the given identity |
R1011 | Found at least 1 account marked as suspected Third-Party Fraud associated with the given identity |
R1012 | Found at least 1 account marked as suspected First-Party Fraud associated with the given identity |
R1013 | Found at least 1 account marked as Other Fraud associated with the given identity |
R1014 | Found at least 1 account marked as Delinquency associated with the given identity |
R1015 | Found at least 1 closed account associated with the given identity |
R1016 | Found at least 5 closed accounts associated with the given identity |
R1017 | Found at least 2 accounts that were opened within 30 days from each other associated with the given identity |
R1018 | Found at least 2 accounts that were opened within 90 days from each other associated with the given identity |
R1019 | Found at least 2 accounts that were closed within 30 days from each other associated with the given identity |
R1020 | Found at least 2 accounts that were reported as Fraud within 30 days from each other associated with the given identity |
R1021 | Found at least 1 account that has been closed within 30 days from opening associated with the given identity |
R1022 | Found at least 1 account that has been reported as Fraud within 30 days from opening associated with the given identity |
R1023 | Found at least 1 ACH transaction reported as Fraud associated with the given identity |
R1024 | Found at least 1 ACH transaction reported as Suspected Third-Party Fraud associated with the given identity |
R1025 | Found at least 1 ACH transaction reported as Suspected First-Party Fraud associated with the given identity |
R1026 | Found at least 1 ACH transaction reported as Other Fraud associated with the given identity |
R1027 | Found at least 1 ACH transaction reported as Delinquency associated with the given identity |
R1028 | Found at least 10 returned ACH transactions associated with the given identity |
R1029 | Found at least 1 returned ACH transaction with return category Fraudulent Behavior associated with the given identity |
R1030 | Found at least 1 ACH transaction reported as Fraud within 7 days from one another associated with the given identity |
R1031 | Found at least 1 ACH transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity |
R1032 | Found at least 1 ACH transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity |
R1033 | Found at least 1 Check transaction reported as Fraud associated with the given identity |
R1034 | Found at least 1 Check transaction reported as Suspected Third-Party Fraud associated with the given identity |
R1035 | Found at least 1 Check transaction reported as Suspected First-Party Fraud associated with the given identity |
R1036 | Found at least 1 Check transaction reported as Other Fraud associated with the given identity |
R1037 | Found at least 1 Check transaction reported as Delinquency associated with the given identity |
R1038 | Found at least 1 returned Check transaction with a return category Fraudulent Behavior associated with the given identity |
R1039 | Found at least 2 check transactions reported as Fraud within 7 days from one another associated with the given identity |
R1040 | Found at least 2 check transactions reported as Fraud within 30 days from one another associated with the given identity |
R1041 | Found at least 1 Check transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity |
R1042 | Found at least 1 Check transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity |
R1043 | Found at least 10 disputed Card transactions associated with the given identity |
R1044 | Found at least 20 disputed Card transactions associated with the given identity |
R1045 | Found at least 5 Unauthorized disputed Card transactions associated with the given identity |
R1046 | Found at least 5 Authorized disputed Card transactions associated with the given identity |
R1047 | Found at least 5 Granted disputed Card transactions associated with the given identity |
R1048 | Found at least 10 Granted disputed Card transactions associated with the given identity |
R1049 | Found at least 2 disputed Card transactions within 1 day from one another associated with the given identity |
R1050 | Found at least 2 disputed Card transactions within 7 days from one another associated with the given identity |
R1051 | Found at least 1 disputed Card transaction committed within 1 day from account opening associated with the given identity |
R1052 | Found at least 1 disputed Card transaction committed within 7 days from account opening associated with the given identity |
R1053 | Found at least 7 distinct emails associated with the given fullname and date of birth combination |
R1054 | Found at least 7 distinct phones associated with the given identity |
R1055 | Matched identity onto at least 17 other transaction consortium institutions |
R1056 | Matched Fullname and date of birth combination onto at least 16 other transaction consortium institutions |
R1057 | Matched Fullname, date of birth and SSN combination onto at least 10 other transaction consortium institutions |
R1058 | Found at least 4 distinct emails associated with the given identity |
R1059 | Found at least 3 to 6 distinct emails associated with the given fullname and date of birth combination |
R1060 | Seen input phone number in at least 13 other transaction consortium institutions |
R1061 | Seen input phone number with in at least 4 distinct emails in transaction consortium |
R1062 | Found at least 1 fraud event reported for the input identity |