Persona Expands its Fraud Suite with Escalated Verifications and Fraud Fight Flow

The best fraud solution providers act as an extension of your team and a collaborative partner. One way to do that is to quickly answer your questions, expand products to meet your needs, and proactively address problems. Another is to work alongside your fraud team to add more layers and insights to your defenses.

What are Persona’s new managed fraud solutions?

Persona is launching two managed products to help teams improve fraud prevention while aligning with cross-functional and product goals.

Escalated Verifications: Use Persona’s most compute-intensive fraud models to retroactively flag fraud risk. Escalated Verifications can help detect large fraud rings and the most advanced attacks without increasing onboarding friction or delaying verifications.
Fraud Fight Flow: Use a Persona-managed identity verification flow that’s continuously updated based on insights from your unique environment and attack surface. Fraud Fight Flow allows you to benefit from customized configurations without having to build the IDV flow or update disclosure that can lead to lengthy legal and compliance reviews.

Here’s a closer look at how they work and how they tie into Persona’s broader fraud-prevention offering.

Deeper fraud detection and less work for your team

Escalated Verifications and Fraud Fight Flow address two common problems fraud teams face. First, they need to add another layer of advanced detection capabilities to identity verification flows without slowing down onboarding. Second, they need to keep up with ever-changing fraud trends without absorbing losses while navigating lengthy feedback loops.

Escalated Verifications improves detection without slowing down initial verifications

With Escalated Verifications, Persona runs additional fraud-detection models after a Government ID or Selfie verification is complete.

There are several reasons to use non-real-time models to review accounts after your real-time fraud detection workflows run:

Advanced detection: Use compute-intensive models, including advanced vision models with long run times and clustering models that require data collected after onboarding.
Mitigate losses: Flag suspicious users who slip past your initial defenses to limit losses and potentially stop fraudsters before they can do damage.
Improve real-time defenses: Uncover patterns that can help you develop new rules or fine-tune the models you run during real-time verification flows.
Automate next steps: Trigger a case for review, additional checks, or account restrictions based on the Escalated Verifications results.

When Escalated Verifications detects medium- or high-risk signals, Persona marks the verification as escalated and displays a warning in the Persona dashboard. Your team can also configure Workflows or webhook integrations to send alerts to Slack or a connected ticketing system.

Fraud Fight Flow continually updates your defenses on your behalf

Fraud Fight Flow is a Persona-managed IDV flow that we continually update for customers. We make changes to the flow based on new research findings from our work across industries, and in response to fraudsters’ changing tactics in your environment.

For example, we may adjust the signals and combinations used for deepfake detection in the general Fraud Fight Flow as fraudsters use new AI models to generate images. Additionally, if we observe that fraudsters are targeting you with printed fake passports, we might add NFC passport verification to your Fraud Fight Flow implementation.

We designed Fraud Fight Flow to complement your existing IDV flows and to return a simple pass-or-fail result. You can use it before, during, or after your existing flows.

Add Fraud Fight Flow	How it works	Main benefits
As an initial screen	Users go through Fraud Fight Flow before entering your standard verification flow.	Helps keep suspicious users out of downstream verification and manual-review queues, reducing unnecessary processing and reviews.
As a checkpoint	You collect the user’s information and run initial checks before sending them through the Fraud Fight Flow.	Adds fraud screening while preserving your records, if needed for KYC/AML audits.
As a step-up	You send suspicious users through the Fraud Fight Flow for further evaluation.	Run additional checks on high-risk users to help prevent fraud and give legitimate users a chance to verify their identities.

Adding Fraud Fight Flow to your defenses allows you to benefit from the latest insights and tooling without requiring new requests from legal, engineering, or finance. Before users start the Fraud Fight Flow, they will be asked to accept Persona-managed consent language based on the verification checks in the current flow.

Add Persona’s fraud squad to your team

Your team shouldn’t have to build and maintain every layer of your defenses.

With Escalated Verifications, Persona performs in-depth analysis to flag risks and improve detection without slowing initial verifications. Fraud Fight Flow adds a managed verification flow that Persona updates as fraud tactics change.

Both products complement your existing defenses, so you can add detection capabilities without deprioritizing other goals.

Talk to our team about where Escalated Verifications and Fraud Fight Flow fit into your fraud prevention strategy. And learn more about how these managed solutions fit into Persona’s fraud prevention platform.

Persona expands its fraud suite with Escalated Verifications and a managed Fraud Fight Flow