Sigma First-Party Fraud

Detect repeat bad actors, chargebacks, and payment abuse with Sigma First-Party Fraud risk scores and consortium data signals in RiskOS™.

What is Sigma First-Party Fraud?

Enrichment	Input fields	Signals returned	Coverage	Best for
First-Party Fraud Risk Signals	Flexible – SSN/ITIN, or name + DOB + address, or other combinations of PII and account details	Consortium-based indicators tied to prior fraudulent accounts, disputes, or abuse Frequency and distinct counts of identity elements (emails, phones, addresses, etc.) Cross-institution application and account activity patterns	U.S. only	Detecting repeat bad actors and abuse tied to U.S. financial institutions

Stop repeat fraudsters – Block individuals tied to multiple fraudulent applications or accounts.
Reduce chargebacks – Identify consumers who repeatedly dispute payments in bad faith.
Prevent synthetic identity use – Detect inconsistencies across name, DOB, SSN/ITIN, and contact info.
Strengthen onboarding – Flag suspicious applicants at the point of account creation.
Monitor high-risk transactions – Detect anomalies in ACH, card, P2P, and wire activity.
Prioritize investigations – Use detailed signals and reason codes to streamline manual reviews.

Consortium-driven detection Risk signals come from a broad consortium of financial institutions, fintechs, lenders, gaming providers, and telcos.

Dedicated fraud scoring Purpose-built score highlights the likelihood of first-party fraud and repeat abuse.

Cross-institution visibility Surface application, account, and transaction behavior that indicates identity manipulation.

Detailed reason codes Support auditability and enable precise routing in fraud operations.

Adaptive fraud patterns Dynamic detection models incorporate new fraud tactics and abuse vectors across the network.

Enable First-Party Fraud for your workspace through the RiskOS™ Dashboard.

Build a new RiskOS™ workflow or update an existing one with First-Party Fraud.

Send a payload to the /api/evaluation endpoint using valid PII combinations.

View required and optional fields for Sigma First-Party Fraud requests.

Use the risk signals to drive workflow outcomes.

Learn about Socure’s fraud detection framework for the Identity Manipulation Model and the Dispute Abuse Model.

Updated 13 days ago