Consumer reputation and friendly fraud

Overview

Straddle Reputation matches provided consumer PII (Personally Identifiable Information) and account information against data collected from diverse institutions across the US, including:

Fintechs and neobanks
Traditional banks
Lenders
Gaming platforms
Telcos and more

The service returns crucial risk signals that can associate a consumer identity with past instances of confirmed fraudulent or high-risk activities. Additionally, Straddle Reputation includes a dedicated risk score focused on identifying repeat bad actors.

About Reputation Risk Signals

Straddle Reputation risk signals are indicators or warnings derived from our extensive consortium data. These signals suggest whether a consumer identity has been involved in past fraudulent or deceitful behavior, particularly concerning first-party fraud. You can use these risk signals to help predict the likelihood that a consumer might make bad faith disputes or default on payments. This assessment is based on confirmed, fraudulent activities and can be utilized at various stages:

During the account opening process
At the point of a transaction
When handling a disputed transaction

Use Cases

High-Risk Transactions

Identify consumers who are likely to commit payment fraud based on their past activity for transactions such as ACH, card, check, and loan applications

Account Opening

Identify and flag applicants previously linked to fraud schemes or transaction disputes. These individuals can then be routed for manual review or subjected to enhanced scrutiny.

Transaction Disputes

Detect signals in consumer behavior that are indicative of patterns of fraudulent chargebacks or payment disputes.

API Integration

Integrating Straddle Reputation into your systems is straightforward — it’s built in to the existing customer creation flow! The API response provides an additional object with comprehensive overview of the risk assessment.

API Response Example

Below is an example of the reputation object returned by the Straddle API:

{
  "reputation": {
    "decision": "accept",
    "codes": [
      "I1004",
      "R1015",
      "R1023",
      "R1027"
    ],
    "risk_score": 123,
    "insights": {
      "ach_fraud_transactions_count": 123,
      "ach_fraud_transactions_total_amount": 123,
      "ach_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "ach_returned_transactions_count": 123,
      "ach_returned_transactions_total_amount": 123,
      "ach_returned_transactions_dates": [
        "2023-12-25"
      ],
      "card_fraud_transactions_count": 123,
      "card_fraud_transactions_total_amount": 123,
      "card_fraud_transactions_dates": [
        "2023-12-25"
      ],
      "card_disputed_transactions_count": 123,
      "card_disputed_transactions_total_amount": 123,
      "card_disputed_transactions_dates": [
        "2023-12-25"
      ],
      "card_stopped_transactions_count": 123,
      "card_stopped_transactions_dates": [
        "2023-12-25"
      ],
      "accounts_count": 123,
      "accounts_active_count": 123,
      "accounts_closed_count": 123,
      "accounts_closed_dates": [
        "2023-12-25"
      ],
      "accounts_fraud_count": 123,
      "accounts_fraud_loss_total_amount": 123,
      "accounts_fraud_labeled_dates": [
        "2023-12-25"
      ],
      "applications_count": 123,
      "applications_dates": [
        "2023-12-25"
      ],
      "applications_approved_count": 123,
      "applications_declined_count": 123,
      "applications_fraud_count": 123,
      "user_institution_count": 123,
      "user_dob_count": 123,
      "user_mobile_count": 123,
      "user_email_count": 123,
      "user_address_count": 123,
      "user_active_profile_count": 123,
      "user_closed_profile_count": 123
    }
  }
}

Key Fields in the Response

Response Fields

string

A recommended action (e.g., “accept”, “review”, “reject”) based on the risk assessment.

array

An array of Reputation Codes that provide specific reasons and context for the assessment.

integer

A numerical score indicating the level of risk associated with the identity, particularly for identifying repeat bad actors.

object

A detailed object containing various data points and metrics used in the risk assessment.

Understanding Insights

The insights object within the API response provides a granular breakdown of the data points contributing to the risk assessment. Straddle provides insights into an identity’s past behavior, including confirmed fraud and payment defaults.

Transaction History

object

Hide details

integer

Number of fraudulent ACH transactions associated with the identity

integer

Total amount of fraudulent ACH transactions

array

Dates of fraudulent ACH transactions

integer

Number of returned ACH transactions

integer

Total amount of returned ACH transactions

object

Show details

integer

Number of fraudulent card transactions

integer

Total amount of fraudulent card transactions

integer

Number of disputed card transactions

integer

Total amount of disputed card transactions

integer

Number of stopped card transactions

Account History

integer

Total number of accounts associated with the identity

integer

Number of active accounts

integer

Number of closed accounts

array

Dates when accounts were closed

integer

Number of accounts marked as fraudulent

integer

Total loss amount from fraudulent accounts

Application History

integer

Total number of applications

array

Dates of applications

integer

Number of approved applications

integer

Number of declined applications

integer

Number of applications marked as fraudulent

Identity Tracing

integer

Number of institutions where the user has been seen

integer

Number of different DOBs associated with the identity

integer

Number of mobile numbers associated with the identity

integer

Number of email addresses associated with the identity

integer

Number of addresses associated with the identity

integer

Number of active profiles

integer

Number of closed profiles

These insights allow for a deeper understanding of the factors influencing the risk score and decision, enabling more informed risk management strategies. Always ensure you have proper consent and legal basis for processing this data in accordance with applicable privacy laws.

Reputation Codes

The following codes provide detailed information about the findings related to the consumer identity. Use these codes to understand specific risk signals identified by the system.

Code	Description
I1001	Identity not found within Consortium Institutions
I1002	National ID was not provided and Straddle was unable to prefill National ID for the given identity
I1003	National ID was not provided and Straddle was able to prefill National ID for the given identity
I1004	Matched identity onto at least 1 other Consortium Institution
I1005	Matched identity onto at least 4 other Consortium Institutions
R1001	Found at least 2 distinct DOBs associated with the given identity
R1002	Found at least 4 distinct first names associated with the given identity
R1003	Found at least 4 distinct last names associated with the given identity
R1004	Found at least 3 distinct phone numbers associated with the given identity
R1005	Found at least 3 distinct emails associated with the given identity
R1006	Found at least 1 application marked as fraudulent associated with the given identity
R1007	Found at least 1 application marked as third party fraud associated with the given identity
R1008	Found at least 2 applications within 30 days of each other associated with the given identity
R1009	Found at least 2 applications within 90 days of each other associated with the given identity
R1010	Found at least 1 account marked as fraudulent associated with the given identity
R1011	Found at least 1 account marked as suspected Third-Party Fraud associated with the given identity
R1012	Found at least 1 account marked as suspected First-Party Fraud associated with the given identity
R1013	Found at least 1 account marked as Other Fraud associated with the given identity
R1014	Found at least 1 account marked as Delinquency associated with the given identity
R1015	Found at least 1 closed account associated with the given identity
R1016	Found at least 5 closed accounts associated with the given identity
R1017	Found at least 2 accounts that were opened within 30 days from each other associated with the given identity
R1018	Found at least 2 accounts that were opened within 90 days from each other associated with the given identity
R1019	Found at least 2 accounts that were closed within 30 days from each other associated with the given identity
R1020	Found at least 2 accounts that were reported as Fraud within 30 days from each other associated with the given identity
R1021	Found at least 1 account that has been closed within 30 days from opening associated with the given identity
R1022	Found at least 1 account that has been reported as Fraud within 30 days from opening associated with the given identity
R1023	Found at least 1 ACH transaction reported as Fraud associated with the given identity
R1024	Found at least 1 ACH transaction reported as Suspected Third-Party Fraud associated with the given identity
R1025	Found at least 1 ACH transaction reported as Suspected First-Party Fraud associated with the given identity
R1026	Found at least 1 ACH transaction reported as Other Fraud associated with the given identity
R1027	Found at least 1 ACH transaction reported as Delinquency associated with the given identity
R1028	Found at least 10 returned ACH transactions associated with the given identity
R1029	Found at least 1 returned ACH transaction with return category Fraudulent Behavior associated with the given identity
R1030	Found at least 1 ACH transaction reported as Fraud within 7 days from one another associated with the given identity
R1031	Found at least 1 ACH transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity
R1032	Found at least 1 ACH transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity
R1033	Found at least 1 Check transaction reported as Fraud associated with the given identity
R1034	Found at least 1 Check transaction reported as Suspected Third-Party Fraud associated with the given identity
R1035	Found at least 1 Check transaction reported as Suspected First-Party Fraud associated with the given identity
R1036	Found at least 1 Check transaction reported as Other Fraud associated with the given identity
R1037	Found at least 1 Check transaction reported as Delinquency associated with the given identity
R1038	Found at least 1 returned Check transaction with a return category Fraudulent Behavior associated with the given identity
R1039	Found at least 2 check transactions reported as Fraud within 7 days from one another associated with the given identity
R1040	Found at least 2 check transactions reported as Fraud within 30 days from one another associated with the given identity
R1041	Found at least 1 Check transaction reported as Fraud which was committed within 7 days from account opening associated with the given identity
R1042	Found at least 1 Check transaction reported as Fraud which was committed within 30 days from account opening associated with the given identity
R1043	Found at least 10 disputed Card transactions associated with the given identity
R1044	Found at least 20 disputed Card transactions associated with the given identity
R1045	Found at least 5 Unauthorized disputed Card transactions associated with the given identity
R1046	Found at least 5 Authorized disputed Card transactions associated with the given identity
R1047	Found at least 5 Granted disputed Card transactions associated with the given identity
R1048	Found at least 10 Granted disputed Card transactions associated with the given identity
R1049	Found at least 2 disputed Card transactions within 1 day from one another associated with the given identity
R1050	Found at least 2 disputed Card transactions within 7 days from one another associated with the given identity
R1051	Found at least 1 disputed Card transaction committed within 1 day from account opening associated with the given identity
R1052	Found at least 1 disputed Card transaction committed within 7 days from account opening associated with the given identity
R1053	Found at least 7 distinct emails associated with the given fullname and date of birth combination
R1054	Found at least 7 distinct phones associated with the given identity
R1055	Matched identity onto at least 17 other transaction consortium institutions
R1056	Matched Fullname and date of birth combination onto at least 16 other transaction consortium institutions
R1057	Matched Fullname, date of birth and SSN combination onto at least 10 other transaction consortium institutions
R1058	Found at least 4 distinct emails associated with the given identity
R1059	Found at least 3 to 6 distinct emails associated with the given fullname and date of birth combination
R1060	Seen input phone number in at least 13 other transaction consortium institutions
R1061	Seen input phone number with in at least 4 distinct emails in transaction consortium
R1062	Found at least 1 fraud event reported for the input identity

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Resources

Consumer reputation and friendly fraud

Overview

About Reputation Risk Signals

Use Cases

API Integration

API Response Example

Key Fields in the Response

Understanding Insights

Reputation Codes

​Overview

​About Reputation Risk Signals

​Use Cases

​API Integration

​API Response Example

​Key Fields in the Response

​Understanding Insights

​Reputation Codes

Overview

About Reputation Risk Signals

Use Cases

API Integration

API Response Example

Key Fields in the Response

Understanding Insights

Reputation Codes