Reputation

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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.

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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

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Use Cases

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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.

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API Response Example

Below is an example of the reputation object returned by the Straddle API:

{
  "reputation": {
    "decision": "accept",
    "codes": [
      "I1004",
      "R1015",
      "R1023",
      "R1027"
    ],
    "risk_score": 123,
    "insights": {
      "ach_fraud_transactions_count": 123,
      "ach_fraud_transactions_total_amount": 123,
      "ach_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "ach_returned_transactions_count": 123,
      "ach_returned_transactions_total_amount": 123,
      "ach_returned_transactions_dates": [
        "2023-12-25"
      ],
      "card_fraud_transactions_count": 123,
      "card_fraud_transactions_total_amount": 123,
      "card_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "card_disputed_transactions_count": 123,
      "card_disputed_transactions_total_amount": 123,
      "card_disputed_transactions_dates": [
        "2023-12-25"
      ],
      "card_stopped_transactions_count": 123,
      "card_stopped_transactions_dates": [
        "2023-12-25"
      ],
      "accounts_count": 123,
      "accounts_active_count": 123,
      "accounts_closed_count": 123,
      "accounts_closed_dates": [
        "2023-12-25"
      ],
      "accounts_fraud_count": 123,
      "accounts_fraud_loss_total_amount": 123,
      "accounts_fraud_labeled_dates": [
        "2023-12-25"
      ],
      "applications_count": 123,
      "applications_dates": [
        "2023-12-25"
      ],
      "applications_approved_count": 123,
      "applications_declined_count": 123,
      "applications_fraud_count": 123,
      "user_institution_count": 123,
      "user_dob_count": 123,
      "user_mobile_count": 123,
      "user_email_count": 123,
      "user_address_count": 123,
      "user_active_profile_count": 123,
      "user_closed_profile_count": 123
    }
  }
}

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Key Fields in the Response

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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.

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Reputation Codes