Fraud risk reveals itself in data in many subtle ways. Current application behavior. Prior policy behavior. Claims experience. Billing behavior, and more. And these views of fraud risk also manifest themselves differently in the agency channels than in direct business, in new business vs. old business. And in different types of coverages, too. idRulesEngine enables carriers to design, test and deploy complex risk rules sets based on their own experience for specific types of customers, channels and transactions - using conditional/Boolean logic – with little or no IT involvement or investment.