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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

High-Risk Transactions

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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.

Transaction History

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.

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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.
CodeDescription
I1001Identity not found within Consortium Institutions
I1002National ID was not provided and Straddle was unable to prefill National ID for the given identity
I1003National ID was not provided and Straddle was able to prefill National ID for the given identity
I1004Matched identity onto at least 1 other Consortium Institution
I1005Matched identity onto at least 4 other Consortium Institutions
R1001Found at least 2 distinct DOBs associated with the given identity
R1002Found at least 4 distinct first names associated with the given identity
R1003Found at least 4 distinct last names associated with the given identity
R1004Found at least 3 distinct phone numbers associated with the given identity
R1005Found at least 3 distinct emails associated with the given identity
R1006Found at least 1 application marked as fraudulent associated with the given identity
R1007Found at least 1 application marked as third party fraud associated with the given identity
R1008Found at least 2 applications within 30 days of each other associated with the given identity
R1009Found at least 2 applications within 90 days of each other associated with the given identity
R1010Found at least 1 account marked as fraudulent associated with the given identity
R1011Found at least 1 account marked as suspected Third-Party Fraud associated with the given identity
R1012Found at least 1 account marked as suspected First-Party Fraud associated with the given identity
R1013Found at least 1 account marked as Other Fraud associated with the given identity
R1014Found at least 1 account marked as Delinquency associated with the given identity
R1015Found at least 1 closed account associated with the given identity
R1016Found at least 5 closed accounts associated with the given identity
R1017Found at least 2 accounts that were opened within 30 days from each other associated with the given identity
R1018Found at least 2 accounts that were opened within 90 days from each other associated with the given identity
R1019Found at least 2 accounts that were closed within 30 days from each other associated with the given identity
R1020Found at least 2 accounts that were reported as Fraud within 30 days from each other associated with the given identity
R1021Found at least 1 account that has been closed within 30 days from opening associated with the given identity
R1022Found at least 1 account that has been reported as Fraud within 30 days from opening associated with the given identity
R1023Found at least 1 ACH transaction reported as Fraud associated with the given identity
R1024Found at least 1 ACH transaction reported as Suspected Third-Party Fraud associated with the given identity
R1025Found at least 1 ACH transaction reported as Suspected First-Party Fraud associated with the given identity
R1026Found at least 1 ACH transaction reported as Other Fraud associated with the given identity
R1027Found at least 1 ACH transaction reported as Delinquency associated with the given identity
R1028Found at least 10 returned ACH transactions associated with the given identity
R1029Found at least 1 returned ACH transaction with return category Fraudulent Behavior associated with the given identity
R1030Found at least 1 ACH transaction reported as Fraud within 7 days from one another associated with the given identity
R1031Found at least 1 ACH transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity
R1032Found at least 1 ACH transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity
R1033Found at least 1 Check transaction reported as Fraud associated with the given identity
R1034Found at least 1 Check transaction reported as Suspected Third-Party Fraud associated with the given identity
R1035Found at least 1 Check transaction reported as Suspected First-Party Fraud associated with the given identity
R1036Found at least 1 Check transaction reported as Other Fraud associated with the given identity
R1037Found at least 1 Check transaction reported as Delinquency associated with the given identity
R1038Found at least 1 returned Check transaction with a return category Fraudulent Behavior associated with the given identity
R1039Found at least 2 check transactions reported as Fraud within 7 days from one another associated with the given identity
R1040Found at least 2 check transactions reported as Fraud within 30 days from one another associated with the given identity
R1041Found at least 1 Check transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity
R1042Found at least 1 Check transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity
R1043Found at least 10 disputed Card transactions associated with the given identity
R1044Found at least 20 disputed Card transactions associated with the given identity
R1045Found at least 5 Unauthorized disputed Card transactions associated with the given identity
R1046Found at least 5 Authorized disputed Card transactions associated with the given identity
R1047Found at least 5 Granted disputed Card transactions associated with the given identity
R1048Found at least 10 Granted disputed Card transactions associated with the given identity
R1049Found at least 2 disputed Card transactions within 1 day from one another associated with the given identity
R1050Found at least 2 disputed Card transactions within 7 days from one another associated with the given identity
R1051Found at least 1 disputed Card transaction committed within 1 day from account opening associated with the given identity
R1052Found at least 1 disputed Card transaction committed within 7 days from account opening associated with the given identity
R1053Found at least 7 distinct emails associated with the given fullname and date of birth combination
R1054Found at least 7 distinct phones associated with the given identity
R1055Matched identity onto at least 17 other transaction consortium institutions
R1056Matched Fullname and date of birth combination onto at least 16 other transaction consortium institutions
R1057Matched Fullname, date of birth and SSN combination onto at least 10 other transaction consortium institutions
R1058Found at least 4 distinct emails associated with the given identity
R1059Found at least 3 to 6 distinct emails associated with the given fullname and date of birth combination
R1060Seen input phone number in at least 13 other transaction consortium institutions
R1061Seen input phone number with in at least 4 distinct emails in transaction consortium
R1062Found at least 1 fraud event reported for the input identity