How to use the Applicant Fraud View

The Applicant-Level Fraud View consolidates all risk signals associated with an applicant in one place, making it easier to assess their overall risk profile. These signals are derived from information within individual documents and cross-referencing information across documents and other applicants.

To use the Applicant Fraud View, first create a customer and upload documents.

Once you hit Create, you'll be redirected to the Fraud View. It may take a few moments for the documents to process. Once this is complete you'll be able to see all insights associated with the documents that have been uploaded.

The Applicant Fraud View gives you a quick overview of an applicant's risk profile whilst also making it easy to dive into more detailed information.

The Analysis section shows an overall risk rating for an applicant (Low, Medium and High Risk) based on any document-level signals that have been identified.

This section also returns a short summary of the analysis carried out by our AI Fraud Analyst across all document and applicant level signals that have been triggered.

The document distribution section shows a quick view of how many high, medium, and low risk documents have been uploaded for an applicant.

This section shows applicant-level signals that have been triggered. Note that it may be empty if there are no applicant insights to display.

Click on each signal for more details. (See below in this doc for further details on how each individual signal works).

This signal indicates whether an applicant has previously submitted an application to your organization that contained at least one fraudulent document. We match applicants by checking for documents in common, and by checking for documents that share the same name and address combination. You’ll see the link to the previous application that we have identified within the subview in order to investigate further. Note: This signal does not impact either the applicant-level or document-level risk scores.

Transaction signals appear in both the Document View and the Applicant Fraud View:

For more details on individual transaction signals, refer to this article.

This signal flags applicants with multiple high-risk documents, making it easier to investigate document-level details when needed. Note: This signal does not impact either the applicant-level or document-level risk scores.

This signal cross-references salary transaction data from all of an applicant’s bank statements against their submitted paystubs. The output can be one of three values: Matched, Partially Matched and Unmatched.