Universal Identity Check

Counter the threat of identity fraud
across a range of countries

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Universal ID Check provides an authentication service to counter the threat of identity fraud across a range of countries.

It provides a solution to help satisfy an organisation’s requirements, to comply with regulators and to address the issue of identity risk.

Universal ID Check allows an organisation to be confident in the identity of individuals they interact with by checking data provided by the individual against corroborative sources of electronic data. The product can also be used to validate the structure of data and authenticate an individual’s geographic locale.

A few key facts

  • Information including passport and bank account details can be checked.
  • Results can be displayed in real time and enhance the speed of decisioning.
  • Can reduce reliance on paper based identity documents


Universal ID Check can be used alongside other measures associated with assessing the credit risk and other fraud risks e.g. entitlement / eligibility

  • Allows an organisation to be confident in the identity of individuals that they interact
  • Checks data supplied by the individual to corroborative sources of electronic data
  • Confirms the structure of data supplied by individuals using automated modulus checks
  •  Scrutinises the individual’s geographic locale using geo-location data

Authentication services to counter the threat of identity fraud across a range of countries

  • Data is authenticated against a number of sources and the results are quickly displayed
  • Results are immediately recognisable by a colour coding system
  • Further details can be investigated to reveal more information about each assessment
  • The data is displayed on consistent screens to assist rapid and accurate investigation
  • Users have the ability to print the input and output screens and also save the data to the hard drive of the workstation
  • Management Information is available detailing information, such as the number of transactions processed 


Complying with regulators in addressing the issue of identity risk

  • Universal ID Check is available as an Experian screen based solution or as an XML feed supported by Experian’s fraud consultants
  • Within the XML version of the solution your organisation has the ability to send to Experian the IP Address of their customer as they apply on-line for your products or services
  • IP Addresses can be checked to determine whether it emanates from the same country as your customer’s residential address
  • Users can select the country associated with the current residence of the individual who is the subject of the identity check
  • The screens provide the appropriate format of name and address and telephone number associated with that particular country
  • The users can enter a range of information about the individual including passport details and bank account and sort code information
  • Where required the user can select, at the enquiry level, whether to undertake a check of the individual’s name against the Sanctions data and against the Politically Exposed Persons data 

Experian’s Global Authentication services

Experian has embarked on a programme to deliver identity authentication services, utilising electronic data around the world, to those countries that have the demand and the data to support such services. These services are designed to help organisations be compliant with the regulators and also to address the issue of identity risk. They allow organisations to reduce costs and fraud losses, complete the fulfilment process faster, reduce ‘drop offs’ - when individuals drop out of the process when asked to present documents - and generally improve the customer experience. 

Fraud in the financial services sector - Using data intelligence to stop fraud before it starts

This White Paper examines the problem of application fraud for financial services organisations and explores how implementing an effective fraud prevention system and processes can have a significant impact on the organisation’s bottom line.

With application fraud costing financial services organisations somewhere in the region of US$ 2 trillion a year and rising, it is a problem that cannot be ignored. Fuelled by the growth of the internet, fraud has over the last ten years transitioned from cottage industry to a mass-market crime opportunity operating on a global scale.

With fraud rates continuing to rise and with the authorities struggling to control the complex, international problem it is up to the financial services sector and the wider credit industry to make it uneconomic for the criminals by preventing frauds at the point of application.

Fraud is a non-competitive issue and all industry sectors need to work together to combat it. The effective use of data, shared at both organisational and industry level, combined with algorithms and effective screening mechanisms can ensure that organisations can combat fraud before it affects profits, reputations and society as a whole.

Increased data sharing is a must, to allow those organisations being targeted to have the widest possible set of data to compare applications and find the patterns and links that deter fraudulent applications and stop fraud losses before they start. Depending on the current fraud protection measures, ROI can be achieved in a matter of weeks and certainly months.

Fraud Risks at the first ever African-hosted World Cup

This whitepaper explores the vulnerabilities of the South African financial services sector and provides an overview of best practice mitigation strategies for reducing the risk of fraudulent activities during and after the World Cup tournament.  From simple processes to complex fraud detection systems, there is a wide range of solutions which can be adopted to reduce the exposure to fraud during the tournament and for years to come.

During June and July 2010, South Africa played host to the FIFA World Cup tournament.  This prestigious event consists of 64 matches played in ten stadiums spread over nine South African cities.  It was expected that approximately 450,000 visitors from all over the globe visited South Africa during the event.

As hosts to the FIFA World Cup, South Africa benefited from many of the associated socio-economic advantages that often accompany such an event.  Improved public transportation, local facilities, increased employment and many other positive factors are all associated with global sporting events like the FIFA World Cup.

Unfortunately, in addition to these opportunities, such events can also attract criminals with increased opportunities to commit fraud.  Large volumes of foreign visitors and increased spending during such an event all provide cover for fraudulent activities.  Financial institutions are likely to feel the impact of such fraud more than any other collective business as they are at risk from a number of different criminal operations.  In order to be protected against such fraud, financial services organisations will have to be prepared and processes in place which will protect the institution without impacting the legitimate consumer. 

An event such as the FIFA World Cup is an ideal opportunity for fraud and risk managers to strengthen their mitigation strategies which can be continually utilised after the event to provide a more solid platform for business in the future.  Fraud and risk managers should look to the tournament as a means to gain exposure within their businesses to leverage this exposure to encourage investment in fraud prevention processes and systems.


Tackling the issue of bust-out fraud

The white paper concentrates on the methodologies associated with bust-out, how it is perpetrated and how to predict bust-out fraud.

Bust-out fraud is a growing area of fraud for the financial services industry. For organisations across the globe, bust-out fraud is a very topical issue and the losses incurred are becoming significant.

In the UK, all the major banks have reported an increase in bad debt and provisions in the last two years, part of which could be attributed to this type of fraud.

Identification of bust-out fraud is difficult for many organisations, although Experian’s research shows that there are many strong predictors including current account behaviour and transactional patterns, credit bureau trend data and ‘event’ trigger data. 

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