Applicant risk labels

Be aware of the risk level of your applicants.

Risk labels are assigned during verification and indicate certain characteristics of an applicant.

To see the risk labels:

Email risk labels

Email risk labels are associated with email and phone verification.

Label	API name	Description
Disposable email	`disposable`	Temporary email address that usually expires after a short period of time.
High risk email	`highRisk`	A verdict made by the system according to the check results and internal logic.
Medium risk email	`mediumRisk`	A verdict made by the system according to the check results and internal logic.
No registrations on Web services found	`noWebRegistrations`	Email address registration is not detected.
No website exists	`noWebsiteExists`	Email domain does not exist.
Non-deliverable	`nonDeliverable`	An email address to which the messages cannot be delivered.

Phone risk labels are associated with email and phone verification.

Label	API name	Description
Disposable phone number	`disposable`	A temporary phone number that usually expires after a short period of time.
High risk phone	`highRisk`	A verdict made by the system according to the check results and internal logic.
Medium risk phone	`mediumRisk`	A verdict made by the system according to the check results and internal logic.
No registrations on Web services found	`noWebRegistrations`	Phone number registration is not detected.
Virtual phone	`virtual`	A virtual phone number is a number not associated with any physical location, allowing to make calls via internet.

Device risk labels are associated with devices used by applicants to pass verification.

Label	API name	Description
Devices from distant IP locations were used	`distantIpLocations`	Login from different and distant IP addresses for a short period of time.
Failure to continue on another device	`failedSessionContinuation`	The session was interrupted.
High risk IP	`highRiskIp`	Indicates high risk IP addresses.
Lengthy onboarding session	`lengthySession`	The session lasts too long (>=10 minutes).
Link access via external source	`thirdPartyLinkAccess`	The verification link has been opened in messaging apps or link shortening services.
Multiple devices were used	`multipleDevices`	Informs whether the applicant uses multiple devices (>1 device).
Multiple mobile devices were used	`multipleMobileDevices`	Informs whether the applicant uses multiple mobile devices (>1 mobile platform).
TOR usage	`torUsage`	Detects whether TOR connection is used.
VPN usage	`vpnUsage`	Detects whether VPN connection is used.

Cross check risk labels are associated with the cross-checks based on matching different applicant data.

Label	API name	Description
Accounts in many other services	`accountsInManyServices`	The same account is registered in different services (>=5 accounts in different sources).
Country of photo creation is different from IP and ID document countries	`exifCountryVsIdDocCountryOrIpCountryMismatch`	Country of photo creation is different from IP and ID document countries.
Diverse countries in ID documents	`diverseIdDocCountries`	Identity documents were issued in different countries.
Many duplicates exists	`manyAccountDuplicates`	Lots of account duplicates are detected (>=3 accounts from one source; one client and one source key).
Mismatch between applicant address and IP country	`addressCountryVsIpCountryMismatch`	The physical address does not meet the IP address.
Mismatch between ID document country and IP country	`idDocCountryVsIpCountryMismatch`	ID document country mismatches the country IP address.

Selfie risk labels are associated with selfies.

Label	API name	Description
Estimated age is different from the age on the ID document	`estimatedAgeMismatch`	The estimated age does not match the age indicated in documents.
Forced verification	`forced`	The person is coerced into verification.
Many attempts to submit a selfie	`manyAttempts`	There were too many attempts of passing a selfie check (>5 selfie attempts).
Multiple faces on selfies	`multipleFaces`	There are multiple faces present in the photo.
Persons seems to be asleep	`asleep`	The person in the picture is asleep.
Similar applicants with different data	`sameFaceWithDifferentData`	Supposedly different data in documents with the similar face detected. Such applicants might also be registered in other services.
Usage of virtual cameras	`virtualCameraPresent`	A visual software simulating real camera is detected.

AML risk labels are associated with AML screening and monitoring.

Label	API name	Description
Adverse media	`adverseMedia`	Compromising information related to the applicant was found in the media.
Crime	`crime`	Applicant is suspected of criminal activities.
PEP	`PEP`	Applicant belongs to the PEP (Politically Exposed Person) category.
Sanctions	`sanctions`	Applicant was found in sanctions lists.
Terrorism	`terrorism`	Applicant is suspected of terrorism.

Person risk labels are assigned when the applicant has certain characteristics as per the following table.

Label	API name	Description
Famous person	`famousPerson`	Indicates an assumption that the applicant is a famous person.
Name mismatch with the names associated with the email	`emailNameMismatchFromWebServices`	The provided applicant name does not match the names found by the specified email address.
Name mismatch with the names associated with the phone	`phoneNameMismatchFromWebServices`	The provided applicant name does not match the names found by the specified phone number.
No email names found in web services	`noEmailNamesFromWebServices`	No email names found in web services.
No phone names found in web services	`noPhoneNamesFromWebServices`	No phone names found in web services.
Strange name	`strangeName`	Applicant name seems to be not a real one.

Updated 3 months ago