TLDR: The Fraud and Risk Indicators section in selected Thirdfort reports checks National SIRA for known fraud records and impersonation victims. Results are informational, not proof of fraud, and do not verify document authenticity or facial similarity.
The fraud and risk indicators section shows whether your client's identity has been linked to fraud
The Fraud and Risk Indicators section appears in Original ID, Enhanced NFC ID and Digital Right to Rent reports. It shows whether your client's details appear on a known fraud database, and whether they have been recorded as a victim of impersonation.
These checks do not confirm whether the ID document is genuine or whether your client's face matches it. The Document Report and Facial Similarity Report cover those. Instead, they help you check that the identity you are verifying has not been misused by someone else.
The Fraud and risk indicators section appears in Original ID, Enhanced NFC ID and Digital Right to Rent reports. It shows whether your client's identity has a known fraud record, and whether they have been recorded as a victim of impersonation.
These checks do not confirm whether the ID document is genuine or whether your client's face matches it. The Document Report and Facial Similarity Report cover those. Instead, they help you check that the identity you are verifying has not been misused by someone else.
What does the fraud and risk indicators section show?
The section is split into two parts. Each part shows one result.
| Part of the section | What it checks | Result if nothing is found | Result if something is found |
|---|---|---|---|
| Known Fraud Database Checks | Whether a member of the National SIRA database has recorded the identity as fraud | No known fraud record identified | Known fraud record identified |
| Additional Risk Indicators | Whether a member of the National SIRA database has recorded the identity as a victim of impersonation | Not recorded as an impersonation victim | Recorded as an impersonation victim |
Other identity warnings from Experian, such as a mortality file match, a date of birth mismatch, a Royal Mail redirect or a history of credit applications with different details, do not appear in this section. They appear in the address verification section of the report as additional warnings.
Which database does the Fraud and risk indicators section check?
The Fraud and risk indicators section searches National SIRA using your client's name together with their date of birth and/or address. We search National SIRA through our provider Onfido (now part of Entrust).
National SIRA is run by Synectics Solutions and is the UK's largest consortium counter-fraud database. More than 190 organisations across the public and private sectors submit fraud cases they have detected to it, including insurers, lenders, banks, identity providers, retailers and government agencies.
A result reflects what those organisations have recorded. It is not a judgement made by Thirdfort.
What does a flagged result mean?
The two flagged results mean different things, and neither is proof that your client has committed fraud.
| Result | What it means | What it could suggest |
|---|---|---|
| Known fraud record identified | A SIRA member has previously recorded this identity as fraud. | The identity has been involved in fraud before. Look closely at who you are dealing with and the reason for the transaction. |
| Recorded as an impersonation victim | A SIRA member has previously recorded this identity as a victim of impersonation. | Someone has used this person's identity before. Your client is most likely genuine, but make sure you are dealing with the real person and not someone using their stolen details. |
A known fraud record is not a criminal conviction or a formal finding that someone has committed fraud. There may be a legitimate explanation, and records can be wrong.
Does a flagged result change the outcome of the ID check?
A flagged result in the Fraud and risk indicators section will change the report’s overall status from Clear to Consider, so that it gets your attention. However, it doesn’t invalidate or override the results of the ID check, which still stand. The indicators are for your consideration, giving you extra information to weigh alongside the rest of the report when deciding whether any further action is needed.
Learn more about the reports that include the Fraud and risk indicators section:
- What's included in the Original ID report?
- What's included in the Enhanced NFC ID report?
- What's included in the Digital Right to Rent report?
This guide is for Thirdfort Clients using the new CDD platform. This article may not apply if you have not yet been migrated to the new platform or access Thirdfort via a partner or reseller.