Anomaly Detection

Anomaly Detection is a core product of Trulioo’s Risk Insights service and taps into Trulioo’s platform to detect suspicious activity across our entire transaction base. The product is built to help our customers protect themselves from fraudulent onboarding on their platform by detecting similar activity across Trulioo. Anomaly Detection calculates the risk of a user based on the likelihood of them being a synthetic or stolen identity.

Anomaly Detection ties closely with Trulioo’s Person Match capabilities to create an effortless integration. It uses the following information, most of which our customers already use for our IDV product:

Name
Address
Telephone
Date of Birth
National ID

Trulioo has a large and diverse customer base across numerous sectors such as Crypto, Fintech, Banking, Payments, and Marketplaces. Based on incoming transactions from our customers, Trulioo extracts the metadata and de-identified information to build models on how authentic individuals behave at the point of onboarding. The large number of transactions across Trulioo’s platform help to alert customers about suspicious transactions almost instantly.

Anomaly Detection Request

Request Fields

Parameter	Parameter Description
Name	Name
Address	Address
Mobile	Phone number
DateofBirth	Date of Birth
NationalID	National ID (Social Security/ Passport Number)
Email	Email Address

Sample API Request

{
"DataFields": {
    "PersonInfo": {
        "FirstGivenName": "Tom",
        "MiddleName": "Marvolo",
        "FirstSurName": "Riddle",
        "DayOfBirth": 31,
        "MonthOfBirth": 12,
        "YearOfBirth": 1926,
        "Address1":"Wool's Orphanage",
        "NationalIDNumber": "111222333"
    },
  "RiskInfo":{
    Phone: "1112223333",
    Email: "[email protected]"
  }
},
"AcceptTruliooTermsAndConditions": true,
"CountryCode": "UK",
"VerboseMode": "True"
}

Anomaly Detection Response

Response Fields

Parameter Name	Parameter Description
RiskScore	Summary Score of Anomaly Detection
RiskLevel	Summary Level of Anomaly Detection
RiskDetails	Breakdown of Anomaly Detection model components score and level
RiskSignals	Relevant Risk Signals for Decision Making beyond score and Level

RiskSignals Fields

Parameter Name	Parameter Description
IdentitiesSeen	Number of times this Identity has been used to login to Trulioo’ s Platform
AccountCreationInterval	Average number of minutes between an accounts creation on Trulioo’s platform during one day
AccountsCreatedPerDay	Average number of accounts created per day
RoboticFraudAccountsPercentage	Percentage of Accounts created on Trulioo’s platform using bots
HybridFraudAccountsPercentage	Percentage of Accounts created on Trulioo’s platform using bots and humans working together
HumanFraudAccountsPercentage	Percentage of Accounts created on Trulioo’s platform by humans
CrossBorderFraud	Has Trulioo seen this Identity used in multiple countries
CrossIndustryFraud	Has Trulioo seen this identity across multiple industries
EmailDiscrepancy	A different email has been used than the associated email in Trulioo’s Identity Graph
AddressDiscrepancy	A different Address has been used than the associated email in Trulioo’s Identity Graph
PhoneDiscrepancy	A different Phone has been used than the associated email in Trulioo’s Identity Graph
DoBDiscrepancy	A different Date of Birth has been used than the associated email in Trulioo’s Identity Graph
Email/DoBMatch	The Email and DoB submitted match with Trulioo’s Identity Graph
Phone/DoBMatch	The Phone and DoB submitted match with Trulioo’s Identity Graph
IDNumber/DoBMatch	The ID Number and DoB submitted match with Trulioo’s Identity Graph

Sample API Response

{
    "TransactionID": "f9de9726-707d-4eec-9c94-3f5b6ee926d0",
    "UploadedDt": "2023-04-26T16:28:37.211295",
    "CompletedDt": "2023-04-26T16:28:39.50633",
    "CountryCode": "US",
    "ProductName": "Identity Verification",
    "Record": {
        "TransactionRecordID": "20793047-47d4-6f2e-c9d0-6f075cb23d21",
        "RecordStatus": "nomatch",
        "DatasourceResults": [
            {
                "DatasourceName": "Trulioo Fraud & Risk",
                "DatasourceFields": [],
                "AppendedFields": [
                    {
                        "FieldName": "RiskScore",
                        "Data": {
                            "RiskLevel": "Low",
                            "Score": 24
                        }
                    },
                    {
                        "FieldName": "RiskDetails",
                        "Data": {
                            "VelocityMonitorScore": {
                                "RiskLevel": "Low",
                                "Score": 3
                            },
                            "IdentityGraphScore": {
                                "RiskLevel": "Low",
                                "Score": 0
                            }
                        }
                    },
                    {
                        "FieldName": "RiskSignals",
                        "Data": {
                            "VelocityMonitor": {
                                "IdentitiesSeen": 6,
                                "DaysIdentitySeen": 2,
                                "AccountCreationInterval": 276,
                                "AccountsCreatedPerDay": 2,
                                "RoboticFraudAccountsPercentage": 0,
                                "HybridFraudAccountsPercentage": 0.66666666666666663,
                                "HumanFraudAccountsPercentage": 0.66666666666666663,
                                "CrossBorderFraud": false,
                                "CrossIndustryFraud": false
                            },
                            "IdentityGraph": {
                                "EmailDiscrepancy": false,
                                "AddressDiscrepancy": true,
                                "PhoneDiscrepancy": false,
                                "DoBDiscrepancy": false,
                                "EmailDoBMatch": true,
                                "PhoneDoBMatch": true,
                                "IDNumberDoBMatch": true
                            }
                        }
                    }
                ],
                "Errors": [],
                "FieldGroups": []
            }
        ],
        "Errors": [],
        "Rule": {
            "RuleName": "Category 3 KYC v3",
            "Note": "Match(FamilyAndGivenInitial, DOB) or Match(FamilyAndGivenInitial, FullAddress) or Match(FamilyAndGivenInitial, ID) MiddleName Ignored"
        }
    },
    "Errors": []
}