Constella Intelligence

Fraud Detection Through Continuous Identity Risk Scoring

The battle against cybercriminals and identity fraud is ongoing-  constant threats from cybercriminals who create fictitious accounts, engage in Account Takeover (ATO), and use stolen identities to commit fraud. Constella can help with Continuous Identity Risk Scoring & Synthetic Identity Fraud Monitoring.

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Fraud dramatically impacts customers and an organization’s bottom line, yet it usually takes place outside corporate networks and secure domains. From account takeovers to scam campaigns, cybercriminals operate advanced tactics to harvest sensitive identity and financial data, then sell on dark web forums & black markets. Constella’s continuous identity fraud monitoring reveals this largely hidden external fraud activity before damage is done, using the largest identity and data lake on the planet created from a decade of surface-to-dark exposed data collection.

fraud detection

Continuous Identity Fraud Monitoring

  • Account Takeover Protection: Block the use of compromised credentials during sign-up and sign-in, effectively preventing credential stuffing and protecting against unauthorized access to accounts by ensuring that exposed or stolen credentials are not used by malicious actors.
  • Screening and KYC During Onboarding: Reduce fraud by minimizing the creation of fraudulent accounts by utilizing a 15-year historical record of user activities from our 124 billion-entry data lake. Deny access to identified malicious entities and increase scrutiny for users with no known history.
  • Synthetic Identity Fraud Detection: Identify false identities by cross-referencing verified identity attributes against fabricated or copied ones, utilizing the most extensive identity database in the market.
  • Identity Verification: Enhance assertion capabilities and reduce the cost of in-person validation for low/medium risk identity vetting.
  • Employee Background Verification and Monitoring: Identify criminal or suspicious behavior among employees, particularly those accessing underground marketplaces or engaging in hacking criminal-related activities. This process involves thorough background checks to ensure the integrity of your workforce.
  • Insider Threat Detection: Monitor for signs of employees disclosing confidential information or positioning themselves as insiders for unauthorized purposes.

Who Benefits from Continuous Identity Risk Scoring:

Continuous Identity Risk Scoring & Verification serves a diverse range of industries and sectors:

Financial Institutions

Banks, credit unions, and lending institutions leverage identity verification to ensure customer authenticity during account openings, transactions, and loan applications. It safeguards against fraud, money laundering, and identity theft.

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E-commerce and Retail

Online retailers and e-commerce platforms use identity verification to reduce fraudulent transactions, chargebacks, and account takeovers. It builds trust with customers and protects against payment fraud.

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Government Agencies

Government entities employ identity verification for citizen authentication, passport issuance, driver's license renewals, and access to government services. It helps maintain the security and integrity of official documents and records.

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Healthcare Providers

Healthcare organizations use identity verification to protect patient data, ensure compliance with healthcare regulations like HIPAA, and prevent medical identity theft.

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Online Service Providers

Various online services, such as social media platforms, gaming sites, and content streaming platforms, implement identity verification to verify user identities, prevent underage access, and enhance user security.

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Telecom

Telecommunications companies use identity verification to activate and manage mobile phone accounts, verify the identity of subscribers, and reduce SIM card fraud.

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Cybersecurity Companies

Identity verification solutions are used by cybersecurity firms to enhance authentication processes, prevent unauthorized access, and strengthen cybersecurity defenses for both individuals and organizations.

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Financial Technology (FinTech) Companies

FinTech startups and companies leverage identity verification to comply with Know Your Customer (KYC) regulations, reduce fraud, and provide secure financial services.

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Travel and Hospitality

Airlines, hotels, and travel agencies employ identity verification for booking and check-in processes, ensuring passenger safety and security.

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Sharing Economy Platforms

Companies in the sharing economy, such as ride-sharing and home-sharing services, employ identity verification to ensure the safety and trustworthiness of users.

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Sharing Economy Platforms

Companies in the sharing economy, such as ride-sharing and home-sharing services, employ identity verification to ensure the safety and trustworthiness of users.

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Educational Institutions

Educational organizations use identity verification for student enrollment, online course access, and academic certification. It helps ensure the integrity of educational records and credentials.

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Legal and Regulatory Compliance

Organizations across industries use identity verification to meet legal and regulatory requirements, ensuring that they operate within the bounds of the law.

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Nonprofit Organizations

Nonprofits use identity verification to verify the identities of donors and volunteers, ensuring the legitimacy of contributions and protecting against fraud.

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Continuous Identity Risk Scoring & Verification and Synthetic Identity Fraud Protection Use Cases:

  • During Account Onboarding: Utilizing KYC and identity resolution for synthetic identity detection.
  • During Account Lifecycle: Detecting ATO for high-risk transactions, such as account changes and financial transactions.

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