Fraud
Stay ahead of ever-evolving fraud
Get the building blocks you need to pinpoint, fight, adapt to, and monitor fraud at every point of the identity lifecycle.
Verification flows that adapt to real-time fraud signals
Let more good users in while deterring potential fraudsters by dynamically adjusting friction based on user risk signals. Customize everything from what forms of IDs you’ll accept to the branding of your verification flow.
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Dynamic friction
Adjust friction in real time based on users’ risk profiles to deter bad actors and convert good users faster.
Custom verification methods
Pick and choose from a robust library of verification methods to ensure a user’s identity is authentic.
Automated Verifications
Verify users in seconds and keep PII safe by eliminating the need for third-party manual reviews.
3 point checks
Protect against identity spoofing by comparing a selfie to an ID portrait with a 3 point composite and liveness checks.
Document verification
Collect and verify documents (like government IDs, business documents, and more) to identify the people and businesses you work with.
Data Privacy
Securely store PII according to your requirements with Persona. Control redaction policies, who has access, and how you use data to support users across their identity lifecycle.
Identify more fraudsters with holistic risk signals
Make better decisions by consolidating all your risk signals — active, passive, or enriched from third-party data sources — into one place. Remove uncertainty by determining the exact criteria that you deem risky and decide when you want to block or reverify individuals.
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Watchlists screenings
Automatically screen users against lists of your choosing, such as global sanction, warning, and PEP lists.
Behavioral & Collected signals
Leverage signals collected during the user’s verification flow to detect any suspicious behavior.
Third-party sources
Enrich user profiles with data from third-party sources with no-code integrations.
Duplicate Account Protection
Flag repeat users and prevent bad actors from using duplicate or doctored IDs to regain entry.
Account takeover protection
Automatically reverify users when you detect risky behavior, like unknown IP addresses or new devices.
Case Management
Send edge cases for manual review and create a custom investigations hub for your team.
Catch large-scale fraud with less effort
Automatically connect the dots on identity data to uncover and assess the scale of fraud rings. Safeguard against future fraud by blocking entire fraud rings and adapting your fraud strategy with link analysis insights. Conduct expert-level investigations easier, faster, and at scale — without major time or engineering investment.
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LINK ANALYSIS
Visualize risky connections between user accounts, even those multiple degrees away, to uncover large-scale identity fraud.
blocklists
Block or flag individuals based on known or collected information.
workflows
Create automated rules to flag risky actors based on customer criteria, block known bad actors, and more based on fraud insights.
CUSTOM DATA
Enrich your investigation by importing internal or 3rd party data to further cluster and identify risk signals.
High stakes, high level of control
Continually optimize your fraud strategy with insights from link analyses and analytics. Empower your manual review teams with customizable case management views and custom macros that help them close the loop on investigations.
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Custom MODULES
Build your ideal review process by mixing and matching from a robust library of case modules, such as modules to display Persona and third-party data, checklists, communication modules, and more.
Third-party integrations
Build custom follow-up actions that your team can access from their case view so that they don’t need to switch between programs.
Link analysis view
Give analysts a more holistic picture by allowing them to visualize the networks that customers operate in during AML investigations.
Fraud rule sets
Create no-code rule sets around fraud patterns to automatically keep bad actors out.
Automatic enrichment and follow-ups
Automatically pull in data from third-party sources like SentiLink and initiate follow-up actions in third-party systems like Salesforce.
Modular permissions and access controls
Create custom permission sets for your teams and control who can access sensitive PII data and exactly what they can access.
Enrich user risk profiles with on-demand reports
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Watchlists
Screen across global sanction, warning, and PEP lists automatically. Customize the lists to screen through and match configurations to reduce false positives.
Adverse media
Supercharge your Enhanced Due Diligence (EDD) process by automating customized adverse media checks across 400+ million news articles.
Social media report
Surface your customers’ social media in a fully-compliant manner to meet your KYC and marketing needs.
Email and phone risk
Assess the fraud risk and reputation of an email address or phone number from suspicious or fake actors.
Address lookup
Validate address deliverability and address type (commercial vs. residential, PO Box), as well as surface street views.
Verify users the way you want
Pick and choose from signals powered by thousands of authoritative data sources, including global watchlists, adverse media, and email/phone risk reports.
Read more about Verifications
Government ID
Extract and verify government IDs, such as passports and driver’s licenses, with configurable and automated heuristic checks across 200+ countries and territories.
Selfie verifications
Protect against identity spoofing by automatically comparing a selfie to the ID portrait with a 3 point composite and liveness checks. Let good users in quickly while keeping fraudsters out with custom liveness thresholds.
SSN Verification (eCBSV)
Compare names, SSNs, and addresses against Social Security Administration records to verify more users (e.g. those with thin credit).
DMV verification (AAMVA)
Validate information on US driver’s licenses and IDs against DMV records to detect fraudulent IDs.
Phone Carrier Verification
Verify the authenticity of inputted phone numbers by checking the legal name and phone number against global telecommunications carrier databases.
Phone verification (2FA)
Verify the ownership of an inputted phone number with two-factor authentication via call or text.
Device signals
Detect potential fraud by monitoring passive signals such as IP address, device fingerprint, and more.
mDL verification
Verify mobile driver’s licenses (mDLs) from industry leading digital wallet providers to reduce friction for users. Now available for iOS devices.
Persona for Marketplaces
Persona for Fintechs
Wherever your users are, we’re there too
Scale where you want to, the way you want to. Persona provides coverage all over the globe and across many languages, and we’re always looking for more opportunities to expand your coverage.
200+
countries and territories
20+
localized languages
200+
countries and territories
Security and privacy at our core
Security and privacy are paramount to a trusted relationship. That’s why Persona is compliant and certified to the highest industry standards and committed to protecting you and your customers' privacy.
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Persona enables us to look at all signals from a customer and catch red flags in a way that the human eye can’t. Rather than manually comparing past applications or scrutinizing ID photos, Persona’s AI helps us automatically identify these bad actors, saving us a lot of hassle.”
Yaseen Refai-Ahmed
Fraud intelligence manager at Newton
Ready to get started?
Get in touch or start exploring Persona today.