Identity Fraud Detection

Real-time identity fraud protection across digital journey

Detect synthetic and stolen identities from sign-up to payments to block fraud losses instantly.

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Challenges

How Identity Fraud Puts Your Business at Risk

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Fake identities fuel large‑scale fraud
Fraudsters use synthetic profiles and stolen credentials to open accounts, apply for credit, and exploit services, leaving businesses with unpaid debts and operational losses.
Legitimate‑looking customers may be fraudsters
First‑party fraudsters misuse their real identity with no intent to pay, driving chargebacks, defaults, and policy abuse.
Digital identity verification has blind spots
Static checks and document‑only verification are easily bypassed using AI‑generated IDs or reused stolen data.
How FOCAL facilitates this use case

How we detect first‑ and third‑party identity fraud across the journey

FOCAL Enterprise Fraud Management combines device intelligence, behavior intelligence, and payment intelligence across the customer journey to expose misrepresented, stolen, and synthetic identities before charge-offs and fraud losses.

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Depicting AI-native platform

Establish Persistent ID

  • Generates persistent Universal ID linking identity, devices, and signals across digital journey.
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  • Tracks sign-ups, logins, resets, updates to surface early misuse.
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Detect Repeat Patterns

  • Uncovers mismatched geolocation, reused devices, and suspicious sequences.
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  • Links patterns across multiple accounts which traditional KYC misses.
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Score Risk Real-Time

  • Assigns risk-based scores to logins, registrations, and profile updates.
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  • Combines device and behavior signals, and network context.
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Automate Action Response

  • Instantly flags or blocks high-risk events before transactions.
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  • Prevents downstream losses while protecting customer trust.
Benefits

How FOCAL helps businesses manage identity fraud

Block First-Party Bust-Out Fraud
Flag misrepresented applications and emerging bust-out patterns early, so limits and exposure can be adjusted before default.
Stop Synthetic Identities at Onboarding
Detect stolen and stitched-together profiles at onboarding using identity, device, and behavioral signals instead of static checks alone.
Prevent Account Takeover Fraud
Spot takeover attempts and identity misuse early, reducing downstream disputes, re-issuance costs, and trust damage.

Optimize Risk-Based Fraud Controls
Apply risk-based verification that keeps low-risk, high-value applicants moving quickly while routing suspicious cases to stronger checks.
Advantages

Why Businesses Choose FOCAL?

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Experts in digital fraud across KSA and MENA, aligning controls to local customer behavior, attack patterns, and regulations.
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Dedicated 24/7 support from fraud specialists to keep your detection strategies and journeys tuned as threats evolve.
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Unified fraud platform that delivers a single risk view across channels, products, and customer touchpoints.
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Intelligent decisioning that combines multiple risk signals into clear, explainable outcomes for operations and compliance teams.
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Partner services for implementation, rule design, and ongoing optimization, effectively extending your in‑house fraud team. 

Industries

Industries We Protect

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Fintech
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E-commerce & Marketplaces
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Digital & Subscription Services
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Telecom
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Government
Testimonials

Real Results from Real Teams

Hear how FOCAL is helping compliance teams work faster and reduce risk.

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Fair to say that FOCAL’s sanction screening solution is straightforward, reliable, and always available. Not to mention FOCAL’s professional and friendly account managers and subject-matter experts who guided us through the entire process.

Hashem Sbeitan
Risk & Fraud Director

FOCAL has proven to be an invaluable asset for us, resulting in more than 87% reduction in our onboarding time and enhancing our operational efficiency. This has allowed us to easily onboard new customers and grow confidently.

Ali Alshamrany
Risk & Fraud Director

FOCAL allows us to be compliant quickly. We use FOCAL to automate the screening of our customers with relative ease. FOCAL’s ever-evolving offerings never fail to surprise us, and it gives us confidence in the product’s ability to keep up with rising expectations of both regulators and customers.

Hussein Hejles
Director of Compliance
FAQ’s

Frequently Asked Questions

  • What is first-party identity fraud?

    Real customers intentionally misrepresent their identity, income, employment, or intent to pay during onboarding, or engage in "bust out" fraud after building trust. These cases often appear as credit losses rather than traditional fraud, making it hard to detect upfront.

  • What is third-party identity fraud?

    Fraudsters use stolen, synthetic, or stitched-together identities (real + fake data) to open accounts, take loans, or access services they never intend to repay. These profiles pass basic KYC but surface as charge-offs or disputes months later.

  • What signals flag first-party fraud during onboarding?

    Inconsistent PII (mismatched addresses, employment gaps), inflated income/debt ratios, recycled phone/email across applications, and device histories linked to prior declines. Early post-onboarding red flags include rapid top-ups then non-payment or disputes.

  • How does FOCAL detect first- and third-party identity fraud?

    FOCAL binds applications to Universal IDs and tracks identity data, device signals, and behavior over time to spot misrepresentation, synthetic signals, and stolen identity patterns. Risk scores separate intentional first-party gaming from genuine victims of third-party theft.

  • How do you spot synthetic and stolen identities?

    Thin credit files with no history, stitched data (real SSN + fake name/address), velocity across similar applications, and device/email reuse across unrelated profiles. FOCAL links Universal IDs to catch the same fraudster testing identities across accounts.

    • Protect Every Step of the Customer Digital Journey

    Secure logins, in‑app sessions, and payments in real time with FOCAL Enterprise Fraud Management.

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