Fraud Intelligence - KYC Fraud Signals (US)

Key Features

• Enhanced US Coverage
  In the US, we provide an additional enhanced signals for KYC fraud detection using the same input tokens as Trulioo Person Fraud — no extra integration work is required.
• Carrier Change History
  Phone porting, transfer, suspension, deactivation and migration events associated with the individual over 6-month, 12-month and 2-year windows.
• Address Migration Velocity
  Consortium velocity attributes showing how often the input address and address + last name combination have been seen across account-open, address-change and address-discrepancy networks.
• Account Inquiry Timing
  Days since an identity element was last seen, and the dates it was seen, to surface bursts of recent application activity.
• Tiered Reason Codes
  Primary, secondary and tertiary reason codes accompany every score to support explainability and compliance justification.

Request Parameters

KYC Fraud Signals (US) is returned through the Trulioo Person Fraud datasource under Person Verification. Names and either a phone number or email are required; all other fields are optional, but every field helps improve predictiveness.

Example Request

{
  "VerificationType": "Demo",
  "PackageId": "f84f09f0-213a-4499-8370-29f371edddd",
  "CleansedAddress": false,
  "CountryCode": "US",
  "DataFields": {
    "PersonInfo": {
      "FirstGivenName": "Andrew",
      "FirstSurName": "Smith",
      "YearOfBirth": "1990"
    },
    "Location": {
      "AdditionalFields": {
        "Address1": "123 Main"
      }
    },
    "Communication": {
      "Telephone": "+9999999982",
      "EmailAddress": "[email protected]"
    },
    "CountrySpecific": {
      "US": {
        "IPAddress": "0.0.0.0"
      }
    }
  },
  "VerboseMode": true
}

Example Response

{
  "TransactionID": "3b73f7b1-16fc-4c7f-b22c-49e52a009e34",
  "UploadedDt": "2026-09-25T20:17:05.166000",
  "CompletedDt": "2026-09-25T20:17:08.210000",
  "CountryCode": "US",
  "ProductName": "Identity Verification",
  "Record": {
    "TransactionRecordID": "203a63b5-6d9f-5f2b-d5a5-730f954593d6",
    "RecordStatus": "nomatch",
    "DatasourceResults": [
      {
        "DatasourceName": "Trulioo Person Fraud",
        "DatasourceFields": [],
        "AppendedFields": [
          {
            "FieldName": "ScoreRiskSignals",
            "Data": {
              "ReasonCodes": {
                "PrimaryReasonCode": "EnformionPhoneRanking",
                "SecondaryReasonCode": "verification_phonematch",
                "TertiaryReasonCode": "CountOfPhoneOperatorsOverPast5Years"
              },
              "RiskLevel": "High",
              "Score": 725
            }
          },
          {
            "FieldName": "PhoneRiskSignals",
            "Data": {
              "PhoneToName": "No Match",
              "PhoneFirstSeen": "2026-08-27",
              "PhoneInfo": {
                "PhoneValid": true,
                "LastPortDate": "2015-11-06",
                "IsBusiness": true,
                "PhoneCountryCode": "US"
              }
            }
          },
          {
            "FieldName": "EmailRiskSignals",
            "Data": {
              "EmailFirstSeen": "2026-03-04",
              "EmailToName": "No Match",
              "EmailInfo": {
                "EmailValid": "valid",
                "EmailIsDisposable": false,
                "EmailDomainCreationDate": "2025-10-29",
                "EmailDomainRegisteredTo": null
              }
            }
          },
          {
            "FieldName": "RiskSignals",
            "Data": {
              "isDeceased": false,
              "estimatedIncome": 0,
              "addressinfo_criminalindex": 0,
              "demographicstatistics_creditactive": 0,
              "demographicstatistics_homeowner": 0,
              "fin_address": 0,
              "fin_phone": 0,
              "velocity_accountopen_address_dayssincelastseen": 0,
              "velocity_accountopen_addresslastname_ssncount": 0,
              "velocity_accountopen_addresslastname_timesseen": 0,
              "velocity_addrdiscrepancy_address_abacount": 0,
              "velocity_addrdiscrepancy_address_lastcount": 0,
              "velocity_addrdiscrepancy_address_ssncount": 0,
              "velocity_addrdiscrepancy_address_timesseen": 0,
              "velocity_addrdiscrepancy_addresslastname_dayssincelastseen": 0,
              "velocity_addrdiscrepancy_addresslastname_hphonecount": 0,
              "velocity_profilechange_address_dayssincelastseen": 0,
              "velocity_profilechange_address_hphonecount": 0,
              "velocity_profilechange_addresslastname_hphonecount": 0,
              "velocity_profilechange_addresslastname_nincount": 0,
              "velocity_profilechange_addresslastname_timesseen": 0,
              "velocity_profilechange_fromaddress_dayssincelastseen": 0,
              "velocity_profilechange_fromaddress_lastcount": 0,
              "velocity_profilechange_fromaddress_nincount": 0,
              "personNumSuspend12months": 1,
              "personNumTransfer12months": 2,
              "personNumDeact2years": 5,
              "numdisc2yearperson": 0,
              "personnumdeletes6months": 0,
              "personnumupdates12months": 1,
              "personnumports12months": 1,
              "personNumDeact12months": 3,
              "personnumupdates6months": 0,
              "age": 30,
              "personNumSuspend2years": 2,
              "personnumupdates2years": 2,
              "personnumports6months": 0,
              "personnumports2years": 2,
              "numdiscperson": 0,
              "personnummigrates2years": 0,
              "personnummigrates12months": 0,
              "avgPhoneTenure": 1348,
              "personnummigrates6months": 0,
              "personNumTransferNewAC": 5,
              "numLocations": 21,
              "personnumdeletes2years": 0,
              "personNumTransfer2years": 2,
              "personnumdeletes12months": 0,
              "hasVehicleRegistrationsRecords": false,
              "hasLienRecords": false,
              "hasDivorceRecords": false,
              "hasProfessionalLicenseRecords": false,
              "hasBusinessRecords": false,
              "hasEvictionsRecords": false,
              "hasForeclosuresRecords": false,
              "hasmobilephones": false,
              "hasDebtRecords": true,
              "hasJudgmentRecords": true,
              "hasPropertyV2Records": true,
              "hasaddresses": false,
              "hasBankruptcyRecords": false,
              "haslandlines": false,
              "hasMarriageRecords": false,
              "addressInfo": {
                 "landuse": null,
                 "addressVerified": "true",
                 "returnCode": "01",
                 "dwellType": "S",
                 "addressIndicator": "R",
                 "criminalIndex": 55,
                 "unitNumberMissing": false,
                 "mailable": true
              },
              "phoneInfo": [
                {
                  "type": "home",
                  "portingStatus": "YES",
                  "spid": "979E",
                  "carrierName": "BANDWIDTH.COM CLEC, LLC",
                  "portingDate": "2015-11-06T22:00:00",
                  "prepaid": false,
                  "lat": 42.9233,
                  "lon": -83.6348,
                  "areaCodeRiskIndex": 28,
                  "popDensity": 668.5,
                  "resBiz": "CONSUMER",
                  "carrierCategory": "VOIP",
                  "distance": {
                    "toAddressToPhone": 0
                  }
                }
              ],
              "phoneDetails": [
                {
                  "landline": true,
                  "voip": false,
                  "wireless": false,
                  "phoneorder": 12,
                  "numoperators": 10,
                  "numvendors": null,
                  "numoperators5year": 9,
                  "dayssincemaxmaxrecdate": 938,
                  "dayssincemaxmaxrcvdate": 937,
                  "dayssinceminminrecdate": 967,
                  "dayssinceminminrcvdate": 967,
                  "dayssinceminmaxrecdate": 938,
                  "dayssinceminmaxrcvdate": 937,
                  "dayssincemaxminrecdate": 967,
                  "dayssincemaxminrcvdate": 967
                }
              ],
              "emailInfo": {
                "emailValid": true,
                "emailDisposable": false,
                "emailSMTP": "2",
                "emailValidity": "3",
                "emailGeneric": false,
                "emailCommon": false,
                "emailDNSValid": true,
                "emailHoneypot": false,
                "emailDeliverability": "High",
                "emailUnsubscribe": false,
                "emailCatchAll": true,
                "emailServerError": true,
                "emailRecentAbuse": false,
                "emailSuggestedDomain": "N/A",
                "emailLeaked": false,
                "emailDomainAge": "10/29/2025 5:48:21 AM",
                "emailFirstSeen": "3/4/2026 1:43:44 PM",
                "emailDomainTrust": "Not Rated",
                "emailDomainPopularity": "None",
                "emailUserActivity": null,
                "emailDomainInfo": [
                  {
                    "ipAddress": "172.253.135.26",
                    "isp": "Google Servers",
                    "org": "Google Servers",
                    "anonymousProxy": false
                  }
                ]
              },
              "emailDetails": null,
              "message": [
                {
                  "code": "AP015",
                  "description": "No Name or Address reported with Phone"
                },
                {
                  "code": "AE021",
                  "description": "Email First Seen in the Past 181-365 Days"
                },
                {
                  "code": "AE025",
                  "description": "Email Encountered in the Past Year"
                },
                {
                  "code": "AE027",
                  "description": "No Activity at Email in the Past 6 Months"
                },
                {
                  "code": "AE031",
                  "description": "Email Seen at Zero Sources"
                },
                {
                  "code": "AP046",
                  "description": "Input Phone Number is a VOIP Line"
                }
              ],
              "velocityAttributes": [
                {
                  "category": "KDN",
                  "element": "HPHONE",
                  "timesSeen": 21,
                  "datesSeen": {
                    "date": [
                      "9/25/2026 1:17:06 PM",
                      "9/16/2026 10:21:13 AM",
                      "9/16/2026 10:18:51 AM",
                      "9/16/2026 10:02:55 AM",
                      "9/16/2026 9:33:38 AM",
                      "9/16/2026 9:33:07 AM",
                      "9/14/2026 4:06:15 PM",
                      "7/20/2026 11:44:01 AM",
                      "7/20/2026 10:57:21 AM",
                      "7/20/2026 8:53:20 AM"
                    ]
                  },
                  "daysSinceLastSeen": 9,
                  "lastNameCount": 3,
                  "ABACount": 1,
                  "addressCount": 0,
                  "HPhoneCount": 1,
                  "BPhoneCount": null,
                  "DOBCount": null,
                  "emailCount": 2,
                  "IPCount": 1,
                  "NINCount": 0,
                  "AccountIDCount": null
                }
              ],
              "verificationResult": {
                "matchScore": 36.99,
                "firstName": {
                  "matchTypeCode": "NO_MATCH"
                },
                "middleName": {
                  "matchTypeCode": "NA"
                },
                "lastName": {
                  "matchTypeCode": "NO_MATCH"
                },
                "ssn": {
                  "matchTypeCode": "NA"
                },
                "dobDay": {
                  "matchTypeCode": "NA"
                },
                "dobMonth": {
                  "matchTypeCode": "NA"
                },
                "dobYear": {
                  "matchTypeCode": "NA"
                },
                "address": {
                  "matchTypeCode": "NA"
                },
                "city": {
                  "matchTypeCode": "NA"
                },
                "state": {
                  "matchTypeCode": "NA"
                },
                "postalCode": {
                  "matchTypeCode": "NA"
                },
                "email": {
                  "matchTypeCode": "NO_MATCH"
                },
                "phone": {
                  "matchTypeCode": "MATCH"
                }
              }
            }
          }
        ],
        "Errors": [],
        "FieldGroups": []
      }
    ],
    "Errors": [],
    "Rule": {
      "RuleName": "Category 3 KYC v3",
      "Note": "Match(FamilyAndGivenInitial, DOB) or Match(FamilyAndGivenInitial, FullAddress) or Match(FamilyAndGivenInitial, ID) MiddleName Ignored"
    },
    "SupplementaryRules": []
  },
  "Errors": []
}

Request and Response Structure

Upon submitting a request, the API returns a response containing several key elements. These elements provide insight into the potential risks associated with the submitted data.

Output

All fraud signals are returned under AppendedFields and are grouped into four objects: ScoreRiskSignals, PhoneRiskSignals, EmailRiskSignals and RiskSignals. Each object's content is returned in its Data property.

Score (ScoreRiskSignals)

Phone (PhoneRiskSignals)

Email (EmailRiskSignals)

Risk Signals (RiskSignals)

RiskSignals contains the US-specific enhanced signals. Nested objects are described in the sections below.

Person & Public Records

Person Activity History

Suspected Fraud Lists

Area Demographics

Velocity Network

Phone Info (RiskSignals.phoneInfo[])

Phone Details (RiskSignals.phoneDetails[])

Email Info (RiskSignals.emailInfo)

Email Domain Info (RiskSignals.emailInfo.emailDomainInfo[])

Email Details (RiskSignals.emailDetails)

Address Info (RiskSignals.addressInfo)

Velocity Attributes (RiskSignals.velocityAttributes[])

Verification Result (RiskSignals.verificationResult)

Messages (RiskSignals.message[])

Each message contains a code and a description. Messages are returned only when they are present.