欺诈者正在实施身份接管以渗透投资组合.pdf

1、Fraudsters are Committing Identity Takeover to Infiltrate PortfoliosStop Them During the Application JourneyNaureen AliMarch 20241Financial Services Summit 2024 TransUnion LLC All Rights ReservedThere is unidentified fraud loss exposure hiding in credit and non-credit portfolios.Organized crime synd

2、icates are successfully committing identity takeovers to infiltrate organizations.2 2024 TransUnion LLC All Rights Reserved22024 US Financial Services Summit 2024 TransUnion LLC All Rights ReservedFraud risk is hiding within US credit portfolios,adding to the overall burden of very high identity fra

3、ud lossesSource:TransUnion 2024 State of Omnichannel Fraud ReportSource:Javelin 2024 Identity Fraud Report Charge-offs2023$95.6B$93.75MIdentity fraud losses$22.8B2023Synthetic identity:Total lending exposure$3.1B2024(now)3Synthetic ID fraud losses 2024 TransUnion LLC All Rights ReservedUnderstanding

4、 identity is more complex than everIdentity verificationDevice reputationDocument verificationStep-up challengeDigital identity risksLoan stackingCredit abuseSynthetic identityEvery new applicant must undergo an identity proofing process that involves many fragmented steps4 2024 TransUnion LLC All R

5、ights Reserved 2024 TransUnion LLC All Rights ReservedFraud strategists use many identity proofing tools to gain confidence in the identity used by the applicantTools may be used independently or orchestrated together in a waterfall processFraud strategists use the identity proofing process to weed

6、out bad actors5Device reputationChallengeCredit abuse riskCredit inquiry/riskDecisionIdentity ProofingIdentity verificationDigital identity risksDevice reputationSynthetic ID fraudDocument verification 2024 TransUnion LLC All Rights ReservedEach step can have different treatments that may add fricti