Identity Defense

Detect stolen and compromised identities to identify and prevent fraud during account onboarding. Identity Defense from Fiserv applies a proven risk-based approach to help you quickly identify fraud while minimizing friction for credible consumers.

	Fraud scoring Reduce losses and simplify decision-making with distinct 3-digit scores for identity theft and synthetic fraud, providing easy-to-understand visibility into both fraud types.

	Advanced synthetic fraud detection Strengthen your compliance posture and support KYC due diligence by differentiating between first- and third-party synthetic fraud attempts for deeper insight into potential fraudsters.

	Fast, flexible processing Improve customer satisfaction and boost efficiency by making API calls in real time for instant responses or batch processing options for records uploaded later.

	Identity assurance Increase onboarding rates and reduce false positives with reliable identity data that confirms whether an identity is real, stolen or corresponds to a single person.

Learn about our fraud and risk detection solutions

VerifyNow™

Stay up to date with Nacha requirements by seamlessly verifying bank account status and ownership when sending and receiving funds.

Onboard Advisor

Screen applicants against fraud, account abuse, identity, address and regulatory databases.

SecureNow™

Protect your financial institution with login solutions, multi-factor authentication and in-session risk analysis for high-risk transactions.

Protect against a range of identity fraud types

Identity Defense produces two fraud scores for every inquiry: an ID theft score and synthetic fraud score.

What is identity theft? This occurs when someone illegally obtains and uses someone else's personal information to commit fraud or other crimes. Unlike synthetic fraud, this involves a real person whose identity is misused to access accounts, open credit lines or commit other crimes.

What is synthetic identity fraud? Fraudsters combine real and fake information to create an entirely fictitious identity that doesn't actually exist. This is different from identity theft in that the name, date of birth and social security number do not correspond to a real individual.

First-party synthetic fraud involves a real person fabricating their social security number and sometimes other information, often to access credit and loan products
Third-party synthetic fraud is typically an entirely fictitious identity with minimal connection to any real person