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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n7vash0w.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"dag\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P08 \u00b7 TOPIC \u00b7 identity-fraud<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Financial Crime and Fraud Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Identity fraud<\/h1><p class=\"nx-tagline\">Identity fraud uses stolen, fabricated or impersonated identities to open accounts, take over existing ones and obtain credit. Digital onboarding, data breaches and AI-generated documents and voices make it easier. This page sets out how identity fraud develops, how it is measured, how identity verification and authentication respond, and who decides the standards.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-canvas\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Systems<\/strong> \u00b7 around this subject<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fincrime-alerts\" data-cx=\"fincrime.alerts\" data-variant=\"section\" aria-label=\"Alert triage and investigations: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Alert triage and investigations<\/h3><p class=\"nx-fk-sub\">Identity fraud \u00b7 Bank B monitoring \u00b7 Today<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Alerts today<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">2339<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,14.6L18.4,10.2L26.5,17.2L34.7,21.5L42.9,12.9L51.1,11.8L59.3,20.6L67.5,16.5L75.6,22.1L83.8,12.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,14.6L18.4,10.2L26.5,17.2L34.7,21.5L42.9,12.9L51.1,11.8L59.3,20.6L67.5,16.5L75.6,22.1L83.8,12.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Escalated to cases<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">6<\/span><span class=\"nx-fk-kpi-u\">pct of alerts<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,18L18.4,15.2L26.5,20.2L34.7,12.6L42.9,3L51.1,3.4L59.3,9.8L67.5,12.9L75.6,17.1L83.8,18.4L92,10.4L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,18L18.4,15.2L26.5,20.2L34.7,12.6L42.9,3L51.1,3.4L59.3,9.8L67.5,12.9L75.6,17.1L83.8,18.4L92,10.4\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"10.4\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Open cases older than 30 days<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">88<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,10.2L10.2,10.7L18.4,13.8L26.5,15.8L34.7,16.4L42.9,17.6L51.1,17.4L59.3,16.9L67.5,19.9L75.6,22.2L83.8,23L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,10.2L10.2,10.7L18.4,13.8L26.5,15.8L34.7,16.4L42.9,17.6L51.1,17.4L59.3,16.9L67.5,19.9L75.6,22.2L83.8,23L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Reports filed this month<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">60<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,11.2L10.2,11.6L18.4,16.6L26.5,15.9L34.7,9.2L42.9,14.9L51.1,23L59.3,15.6L67.5,15.7L75.6,16.9L83.8,20.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,11.2L10.2,11.6L18.4,16.6L26.5,15.9L34.7,9.2L42.9,14.9L51.1,23L59.3,15.6L67.5,15.7L75.6,16.9L83.8,20.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Backlog above target<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Crime and Fraud Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"queue\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Alert queue<\/h4><\/div><\/div><ol class=\"nx-cx-q\"><li><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>H<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Rapid in-out through new accounts<\/span><span class=\"nx-cx-qm\">Scenario TM-07 \u00b7 score <span class=\"nx-cx-n\">86<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">1<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>M<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Trade invoice price outlier<\/span><span class=\"nx-cx-qm\">Scenario TB-03 \u00b7 score <span class=\"nx-cx-n\">73<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">7<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>M<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Structuring below threshold<\/span><span class=\"nx-cx-qm\">Scenario TM-02 \u00b7 score <span class=\"nx-cx-n\">65<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">3<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>L<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Name match, sanctions list<\/span><span class=\"nx-cx-qm\">Likely false positive<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">2<\/span> h<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"map\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Counterparty network, case CS-7501<\/h4><p class=\"nx-fk-panel-sub\">red: accounts under review<\/p><\/div><\/div><div class=\"nx-cx-map\"><svg class=\"nx-cx-svg\" viewBox=\"0 0 480 250\" role=\"img\" aria-label=\"Counterparty network, case CS-1707: schematic on placeholder geography. Illustrative.\" focusable=\"false\" data-nx-z=\"lZTdjtowEIVf5WjugYw9\/omEeYK2Ere9oyHdIKVLFSItvH1lJ+my0sZ1rxBwjj6fmWPvh7YZ0fSn2y1Qc9\/c2hPh7XIeu0DiK0LXXl66MZAyFWG4BxLaHfa\/T2P35PrZX98I50BfDcN4HFHXWwNdbQ1YPAyvmDbddZyMkwxHsHdQamuglIWofxonGY5QLjKViWCtYVz2oJMER2jvo022BiICqfL5HNilgJHDRsBa4k9Z16xJ6ZJPLJR2YKuyvlkTw\/karONJtTDY6ny4SZPSVWBJ4bgGu7LtGUEtmLLmg\/3dmjDqtO7sOD5bm+atgfNFA3nfmnbwtmgY01ZxhCSS10WjeE9WxzL61MjsCT\/L5nXK9nFtzWVo+vbJ\/Xo9t4TmHsgwoXkEMp4wBLJRPrb35xva\/+g3N8IsfgQSS4iazem16a5DoF+X87lv6fCN97v4R5bI4mckFyCT+hFI12tMtcq8XcZ2mlHkKmUnrqjE9VluUkdutcbVBVm11nNWV5A1qeMBzRpTCpgiMuesCphJ\/Qik\/BrTFDBjvIiM97CgRi4h2a72yJb0SMv\/QJM8T3UFVKWXqFYVUJM8qs1qj3xJj4QXqi4pkvBM5TVqXdIkrpcJS0mVonyZzMr7UC3Ylw\/EYexofuLSA2o8dIUvYjXYx8\/0\/Xseb+fbs0pf2LuXwx8=\"><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Case path<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"6\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Alert<\/span><span class=\"nx-cx-snote\">scenario<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Triage<\/span><span class=\"nx-cx-snote\">analyst<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Investigate<\/span><span class=\"nx-cx-snote\">case<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Decide<\/span><span class=\"nx-cx-snote\">MLRO<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Report<\/span><span class=\"nx-cx-snote\">to FIU<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Feedback<\/span><span class=\"nx-cx-snote\">tuning<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Alert triage and investigations: the screen's structure, terms and states for Identity fraud.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Fig.<\/strong><span>Alert triage and investigations. Design wireframe with placeholder names and illustrative values, not a record or a live system.<\/span><\/p><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Connected activity in Mexico<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Identity fraud: how the risk develops<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Identity fraud is the use of stolen, fabricated or impersonated identities to open or take over accounts and obtain credit. Synthetic identities, breached data and AI-generated documents and voices drive it. Onboarding functions, standard setters, identity schemes and data protection authorities hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Connected activity in Mexico.<\/h2><p class=\"nx-lede\">Night-time lights and population density, the footprint of electrified, connected activity, framed on Mexico; each layer is a dated NASA product.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"mexico:digital\"><div class=\"nx-wm\" data-nx-water=\"ctx-digital\" data-wm-domain=\"ctx-digital\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-117.3,14.5,-86.7,32.8\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Connected activity, Mexico: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl||||\" aria-pressed=\"false\">Night lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">2<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Connected activity<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-name=\"Night-time lights, daily\" data-wm-short=\"Night lights\" data-wm-src=\"NASA LAADS DAAC VIIRS Black Marble (VNP46A2)\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-name=\"Population density, 2020\" data-wm-short=\"Population density\" data-wm-src=\"NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"22\" data-wm-lag=\"1\" data-wm-name=\"True colour\" data-wm-short=\"True colour\" data-wm-src=\"NASA LANCE VIIRS NOAA-20 corrected reflectance\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 4.5l10 0m-10 3.5 10 0m-10 3.5 10 0m-7.5-8.5 0 3m5 .5 0 3m-3.5.5 0 3\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><span class=\"nx-wm-sep\" aria-hidden=\"true\"><\/span><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"in\" aria-label=\"Zoom in\" title=\"Zoom in\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 3v10M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"out\" aria-label=\"Zoom out\" title=\"Zoom out\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3 8h10\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"reset\" aria-label=\"Reset the view\" title=\"Reset the view\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.2 8a4.8 4.8 0 1 0 1.5-3.5M3.2 2.6v2.6h2.6\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"full\" aria-label=\"Full screen\" title=\"Full screen\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 6l0-3.5 3.5 0m7.5 3.5 0-3.5-3.5 0m-7.5 7.5 0 3.5 3.5 0m7.5-3.5 0 3.5-3.5 0\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-menu\" id=\"nx-wm-menu\" role=\"menu\" aria-label=\"Expert tools\" hidden><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"inspect\">Inspect a point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><div><dt><kbd>Arrows<\/kbd><\/dt><dd>Move<\/dd><\/div><div><dt><kbd>Shift and arrows<\/kbd><\/dt><dd>Turn and tilt (3D)<\/dd><\/div><div><dt><kbd>+ and \u2212<\/kbd><\/dt><dd>Zoom<\/dd><\/div><div><dt><kbd>0<\/kbd><\/dt><dd>Reset the view<\/dd><\/div><div><dt><kbd>N and P<\/kbd><\/dt><dd>Next and previous station<\/dd><\/div><div><dt><kbd>Enter<\/kbd><\/dt><dd>Pin the station<\/dd><\/div><div><dt><kbd>I<\/kbd><\/dt><dd>Inspect a point<\/dd><\/div><div><dt><kbd>M<\/kbd><\/dt><dd>Measure<\/dd><\/div><div><dt><kbd>C<\/kbd><\/dt><dd>Compare dates<\/dd><\/div><div><dt><kbd>Escape<\/kbd><\/dt><dd>Close<\/dd><\/div><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Night-time lights and population density, the footprint of electrified, connected activity, framed on Mexico.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date; indicators, not assessments of any place; claim ceiling INTEGRATED.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Natural Earth<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA's Global Imagery Browse Services (GIBS), part of NASA's Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into H3 cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li>Globe: MapLibre GL JS 6.9.1, BSD-3-Clause, \u00a9 MapLibre contributors.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, CC BY 4.0 \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/identity-fraud\/#map\" data-nxf-title=\"Financial Crime and Fraud Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"project\" data-variant=\"stack\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Identity fraud: how the risk develops.<\/h2><p class=\"nx-lede\">Identity compromise and synthetic identities. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M17 18a2 2 0 0 0-2-2H9a2 2 0 0 0-2 2\"\/><rect width=\"18\" height=\"18\" x=\"3\" y=\"4\" rx=\"2\"\/><circle cx=\"12\" cy=\"10\" r=\"2\"\/><line x1=\"8\" x2=\"8\" y1=\"2\" y2=\"4\"\/><line x1=\"16\" x2=\"16\" y1=\"2\" y2=\"4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Synthetic identities build history<\/h3><p class=\"nx-p nx-mt-1\">Fraudsters combine real and invented details into new identities, build credit history over time, then borrow heavily and disappear. Victims may not exist to complain.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><rect width=\"18\" height=\"11\" x=\"3\" y=\"11\" rx=\"2\" ry=\"2\"\/><path d=\"M7 11V7a5 5 0 0 1 10 0v4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Breached data fuels takeover<\/h3><p class=\"nx-p nx-mt-1\">Credentials and personal data from breaches let criminals pass knowledge checks and take over accounts, often after changing contact details.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M12 5a3 3 0 1 0-5.997.125 4 4 0 0 0-2.526 5.77 4 4 0 0 0 .556 6.588A4 4 0 1 0 12 18Z\"\/><path d=\"M9 13a4.5 4.5 0 0 0 3-4\"\/><path d=\"M6.003 5.125A3 3 0 0 0 6.401 6.5\"\/><path d=\"M3.477 10.896a4 4 0 0 1 .585-.396\"\/><path d=\"M6 18a4 4 0 0 1-1.967-.516\"\/><path d=\"M12 13h4\"\/><path d=\"M12 18h6a2 2 0 0 1 2 2v1\"\/><path d=\"M12 8h8\"\/><path d=\"M16 8V5a2 2 0 0 1 2-2\"\/><circle cx=\"16\" cy=\"13\" r=\".5\"\/><circle cx=\"18\" cy=\"3\" r=\".5\"\/><circle cx=\"20\" cy=\"21\" r=\".5\"\/><circle cx=\"20\" cy=\"8\" r=\".5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Deepfakes challenge verification<\/h3><p class=\"nx-p nx-mt-1\">AI-generated documents, faces and voices are used against remote onboarding and call-centre checks. Liveness detection and document checks race to keep up.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Assurance levels differ<\/h3><p class=\"nx-p nx-mt-1\">Identity checks vary in strength. Low-assurance onboarding speeds growth and raises fraud; strong assurance adds friction and can exclude people without standard documents.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Synthetic identity<\/td><td data-label=\"Definition\">An identity created by combining real and fabricated details that may match no real person.<\/td><\/tr><tr><td data-label=\"Term\">Account takeover<\/td><td data-label=\"Definition\">Criminal control of a legitimate customer's account, often after stealing credentials.<\/td><\/tr><tr><td data-label=\"Term\">Identity assurance level<\/td><td data-label=\"Definition\">The degree of confidence that a person is who they claim to be.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Identity fraud cases recorded<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Fraud prevention databases<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Account takeover incidents<\/td><td data-label=\"Unit\">count and value<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Industry reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Synthetic identity losses<\/td><td data-label=\"Unit\">currency<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Industry studies<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Remote onboarding with liveness checks<\/td><td data-label=\"Unit\">share of onboarding<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Firm records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">False rejection rate in identity verification<\/td><td data-label=\"Unit\">share of genuine applicants rejected<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Verification provider data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Data breaches exposing personal data<\/td><td data-label=\"Unit\">count and records exposed<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Regulator breach statistics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/identity-fraud\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Identity fraud as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p08-topics-identity-fraud-aml-t nx-dag-a-p08-topics-identity-fraud-aml-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p08-topics-identity-fraud-aml-t\">Identity fraud: from customer due diligence to suspicious activity report<\/title><desc id=\"nx-dag-a-p08-topics-identity-fraud-aml-d\">Customer due diligence sets a risk rating; transaction monitoring scenarios raise alerts; analysts triage and investigate; the MLRO decides whether to report to the financial intelligence unit; feedback tunes the scenarios. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">Cifas Fraudscape reports<\/td><td data-label=\"What it gives\">UK identity fraud and account takeover trends<\/td><td data-label=\"Licence class\">Free to read, Cifas terms<\/td><\/tr><tr><td data-label=\"Source\">FTC Consumer Sentinel identity theft data<\/td><td data-label=\"What it gives\">Reported identity theft in the United States<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">FATF guidance on digital identity<\/td><td data-label=\"What it gives\">Use of digital identity in due diligence<\/td><td data-label=\"Licence class\">Free, FATF terms<\/td><\/tr><tr><td data-label=\"Source\">NIST Digital Identity Guidelines (SP 800-63)<\/td><td data-label=\"What it gives\">Identity proofing and authentication assurance levels<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">Federal Reserve synthetic identity fraud resources<\/td><td data-label=\"What it gives\">Definitions and mitigation of synthetic identity fraud<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/identity-fraud\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Financial Crime and Fraud Risk prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Bank and fintech onboarding functions<\/td><td data-label=\"The question\">What identity assurance to require for which products<\/td><td data-label=\"Evidence this page serves\">Fraud data, false rejection rates and inclusion evidence<\/td><\/tr><tr><td data-label=\"Who decides\">Regulators and standard setters<\/td><td data-label=\"The question\">Which identity standards satisfy due diligence<\/td><td data-label=\"Evidence this page serves\">FATF guidance and national identity frameworks<\/td><\/tr><tr><td data-label=\"Who decides\">Digital identity scheme operators<\/td><td data-label=\"The question\">How to certify identity providers<\/td><td data-label=\"Evidence this page serves\">Assurance frameworks and audit results<\/td><\/tr><tr><td data-label=\"Who decides\">Data protection authorities<\/td><td data-label=\"The question\">How breaches are prevented and sanctioned<\/td><td data-label=\"Evidence this page serves\">Breach records and enforcement<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to identity fraud types and assurance levels<\/li><li>Brief on deepfakes in remote onboarding<\/li><li>Method note on balancing fraud prevention and inclusion<\/li><li>Questions for boards on onboarding controls<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"project\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Identity fraud researchers ask how to verify who someone is, remotely and at scale.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How do synthetic identities pass onboarding checks, and how can they be detected?<\/li><li>How vulnerable are remote verification methods to deepfakes and document forgery?<\/li><li>How do data breaches fuel identity fraud?<\/li><li>How can digital identity systems improve verification while protecting privacy and inclusion?<\/li><li>How should institutions balance fraud prevention with access for people without standard documents?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms-and-drivers\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms and drivers<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">Identities assembled, borrowed and faked.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Identity fraud draws on a supply of personal data from breaches, phishing and data brokers. Account takeover uses stolen credentials to access existing accounts. Synthetic identity fraud combines real elements, such as a valid identifier, with invented details, creating an identity with no single real victim who would notice. These identities may be nurtured for months before large-scale borrowing and disappearance.<\/p><p class=\"nx-p\">Remote onboarding relies on document checks, biometric matching and data verification, each of which can be attacked with forged documents, deepfake video or manipulated data. Digital identity systems with strong assurance can raise the bar, but they bring their own risks of exclusion, concentration and privacy intrusion.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How the evidence is built, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Identity verification analysis<\/h3><p class=\"nx-p nx-mt-1\">Evaluating verification methods with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/digital-identity\/\">digital identity and public digital systems<\/a>. Attack methods evolve quickly.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Anomaly detection<\/h3><p class=\"nx-p nx-mt-1\">Detecting synthetic identities with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/ai-ml\/\">machine learning<\/a> and network science. Synthetic identities resemble thin-file legitimate customers.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Breach data analysis<\/h3><p class=\"nx-p nx-mt-1\">Linking breaches to fraud patterns. Linkage is often uncertain.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Inclusion assessment<\/h3><p class=\"nx-p nx-mt-1\">Assessing who is excluded by verification requirements. Data on excluded groups is limited.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance levels for onboarding \u00b7 Defending against deepfakes \u00b7 Inclusion testing<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Real-time fraud scoring \u00b7 Alert prioritisation \u00b7 Fairness in fraud controls<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/data-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-mledger-role\">Screening data quality \u00b7 Monitoring coverage checks \u00b7 Retention and minimisation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/data-engineering\/\" aria-label=\"Data engineering, interoperability and stewardship: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/network-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Network science and contagion<\/span><span class=\"nx-mledger-role\">Mule network detection \u00b7 Ownership chain analysis \u00b7 Cross-institution patterns<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/network-science\/\" aria-label=\"Network science and contagion: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Identity fraud is under-reported, and synthetic identity losses are often recorded as credit losses instead. Verification performance figures come mostly from vendors. Deepfake prevalence is hard to measure. Financial Crime and Fraud Risk explains patterns and standards; it does not assess any provider or firm and gives no compliance advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is synthetic identity fraud?<\/summary><div class=\"nx-answer\">Fraud using an identity created by combining real and fabricated information, which may not correspond to any real person.<\/div><\/details><details><summary>What is account takeover?<\/summary><div class=\"nx-answer\">When a criminal gains control of a legitimate customer's account, often using stolen credentials, and then moves money or changes details.<\/div><\/details><details><summary>What is liveness detection?<\/summary><div class=\"nx-answer\">A check during remote onboarding that the person presenting is physically present and live, not a photo, video or synthetic image.<\/div><\/details><details><summary>What is a synthetic identity?<\/summary><div class=\"nx-answer\">An identity created by combining real and fabricated information. Because no single real person owns it, fraud may go unnoticed until the identity is used to borrow and disappears.<\/div><\/details><details><summary>Can deepfakes defeat video verification?<\/summary><div class=\"nx-answer\">Some systems can be deceived, which is why liveness detection and layered checks are used. The contest between attacks and defences is continuing.<\/div><\/details><details><summary>Does stronger verification exclude people?<\/summary><div class=\"nx-answer\">It can, particularly people without standard documents. Inclusive design and alternative verification routes help balance security and access.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-15\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-15\" class=\"nx-h3 nx-mt-2\">Around Financial Crime and Fraud Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/\">Payments fraud <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/money-laundering-risk\/\">Money laundering risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/suspicious-activity-controls\/\">Suspicious activity controls <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/consumer-scams\/\">Consumer scams <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-sanctions-risk\/\">Financial sanctions risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/cyber-enabled-financial-crime\/\">Cyber enabled financial crime <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/\">Financial Crime and Fraud Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><h2 id=\"nx-close-16\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Financial%20Crime%20and%20Fraud%20Risk%3A%20Identity%20fraud\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is synthetic identity fraud?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fraud using an identity created by combining real and fabricated information, which may not correspond to any real person.\"}},{\"@type\":\"Question\",\"name\":\"What is account takeover?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"When a criminal gains control of a legitimate customer's account, often using stolen credentials, and then moves money or changes details.\"}},{\"@type\":\"Question\",\"name\":\"What is liveness detection?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A check during remote onboarding that the person presenting is physically present and live, not a photo, video or synthetic image.\"}},{\"@type\":\"Question\",\"name\":\"What is a synthetic identity?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"An identity created by combining real and fabricated information. 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