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Known Suspicious Persons Detection

VeracityID observes that 15-25% of new business contains one or more entities associated with a previously known suspicious claim (i.e., an previously investigated claim likely involving fraud). An even larger percentage of direct business has additional suspicious characteristics related to prior quotes, payment and policy behaviors that suggest likely poor future policy performance. These suspicious applicants are flagged by TrustMark™ scores and are augmented by national criminal databases (e.g., NICB, CMMS prohibited provider lists and more) and carrier-populated watchlists for appropriate action.

idFusion tools are readily configured to address these issues, as in the example below:

idFusion idFusion receives carrier-supplied application and third party data via one or more web service calls during active transactions. idFusion applies advanced entity resolution solutions to resolve identity, address and other possible data conflicts, and then fuses new information with carrier history to drive a resolved customer identity and data set for further analysis.
idNetwork idNetwork identifies persons or other entities previously flagged by third parties, carrier history and VeracityID TrustMark scores as suspicious.
idRulesEngine idRulesEngine identifies resolution processes defined by carriers in response to these conditions, possibly including applications denial, restrictions on payment or policy terms, additional questions, referral to a call center or Underwriting, or ‘live’ intervention via idResolve during the online customer session.
idResolve idResolve is invoked if live customer responses are required to resolve issues surfaced – including taking action to confirm applicant or listed driver identity, publishing and attesting to specific restrictions about and terms of an offer, to capture more customer-supplied data or otherwise engage with the customer. All information and findings are returned carrier systems for processing and final decisioning.


• 15-25% of new business has elements associated with previously identified fraud
• UW/billing able to create additional flags and specify how to limit or prevent new business with suspicious entities