扩展数据源以最大限度地提高欺诈检测能力：生命证明.pdf

1、Expanding Data Sources to Maximize Fraud Detection:Proof of LifeBrad Daughdrill,PhDVP,Data Science&Analytics 2025 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.2AgendaFraud landscapeCase studyCan novel data help predict synthetic fraud?Why novel sources of data?3 2025 TransUnion,

2、its subsidiaries and/or affiliates.All Rights Reserved.Financial services institutions must find ways to create layered defenses against synthetic fraud and strengthen the identity verification process.Public records serve as an anchor to real-world identities and,when leveraged for fraud prevention

3、,can expose discrepancies and highlight stability indicators that synthetic identities lack.Diverse and holistic data views help identify inconsistencies,detect anomalies and reduce vulnerabilities single-source checks cannot address.Synthetic fraud is one of the fastest-growing financial crimes and

4、 often goes undetected because it doesnt impact real individuals who would report suspicious activity.US MarketSituation 2025 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.2025 TransUnion,its subsidiaries and/or affiliates.All Rights Reserved.4 4Understanding the fraud landscape

5、is more complex than everIdentity verificationDigital identity risksDevice reputationOTP&step-upDocument verificationOmnichannel fraudManual reviewsUser interactionOrganizations must strike a balance between the coverage and fragmentation of their overall fraud strategy portfolios4 2025 TransUnion,i

6、ts subsidiaries and/or affiliates.All Rights Reserved.5Mitigating fraud has become an expensive business problem1.”Top Ten Fraud&Identity Trends in 2024,”F2.”The E-Commerce Conundrum:Balancing False Declines and Fraud Prevention,”Datos Insights3.“Survey finds fraud costs rising for banks,”ABA Bankin