## Product tiers ### Phone Risk _Available globally_ 🌍 Lightweight enrichment with flexible inputs - Probabilistic phone risk scores (`0.001–0.999`). - Correlation score between name and phone (`0.01–0.99`). - Reason codes explaining fraud risk, tenure, or correlation outcomes. - Assess risk in real time for profile updates, onboarding, and authentication. - Enable progressive onboarding with minimal PII. ### Phone Risk + Real-Time SIM Swap Verification _Available in supported U.S. carriers_ πŸ‡ΊπŸ‡Έ Everything in Phone Risk _PLUS_ - Actionable SIM swap reason codes. - Configurable validation window. - Identify high-risk events such as account takeovers and fraudulent transactions. - Protect onboarding, OTP flows, and high-value transactions from SIM swap fraud. - Defend call center interactions against fraudsters using swapped numbers. ## Supported countries and formatting requirements Phone Risk is currently available in 80+ countries, providing international phone-based identity insights. ### Regional coverage and phone formatting reference | Country Name | ISO Country Code | Phone Country Code | National Phone Number Length (Digits) | Format Standard | Validations Performed | | ---------------------------------- | ---------------- | ------------------ | -------------------------------------- | ---------------- | -------------------------------------------------------------------------------------------------------------------------- | | Albania | AL | 355 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Argentina | AR | 54 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Australia | AU | 61 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Austria | AT | 43 | 7–13 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Azerbaijan | AZ | 994 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Bahrain | BH | 973 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Bangladesh | BD | 880 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Belgium | BE | 32 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Belize | BZ | 501 | 7 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Bolivia | BO | 591 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Bosnia and Herzegovina | BA | 387 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Brazil | BR | 55 | 10–11 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Brunei Darussalam | BN | 673 | 7 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Bulgaria | BG | 359 | 7–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Cambodia | KH | 855 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Canada | CA | 1 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Chile | CL | 56 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | China | CN | 86 | 11 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Colombia | CO | 57 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Costa Rica | CR | 506 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Cote d'Ivoire / Ivory Coast | CI | 225 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Croatia | HR | 385 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Cyprus | CY | 357 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Czech Republic | CZ | 420 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Denmark | DK | 45 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Dominican Republic | DO | 1 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Ecuador | EC | 593 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Egypt | EG | 20 | 9–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | El Salvador | SV | 503 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Estonia | EE | 372 | 7–8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Finland | FI | 358 | 5–12 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | France | FR | 33 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Georgia | GE | 995 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Germany | DE | 49 | 5–11 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Ghana | GH | 233 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Greece | GR | 30 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Guatemala | GT | 502 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Honduras | HN | 504 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Hong Kong | HK | 852 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Hungary | HU | 36 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Iceland | IS | 354 | 7 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | India | IN | 91 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Indonesia | ID | 62 | 9–12 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Ireland | IE | 353 | 7–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Israel | IL | 972 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Italy | IT | 39 | 6–11 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Jamaica | JM | 1 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Japan | JP | 81 | 9–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Jordan | JO | 962 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Kazakhstan | KZ | 7 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Kenya | KE | 254 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Kuwait | KW | 965 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Latvia | LV | 371 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Lebanon | LB | 961 | 7–8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Liechtenstein | LI | 423 | 7 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Lithuania | LT | 370 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Luxembourg | LU | 352 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Macau | MO | 853 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Malaysia | MY | 60 | 9–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Malta | MT | 356 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Mexico | MX | 52 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Morocco | MA | 212 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Nepal | NP | 977 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Netherlands | NL | 31 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | New Zealand | NZ | 64 | 8–9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Nicaragua | NI | 505 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Nigeria | NG | 234 | 7–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Norway | NO | 47 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Oman | OM | 968 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Pakistan | PK | 92 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Panama | PA | 507 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Paraguay | PY | 595 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Peru | PE | 51 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Philippines | PH | 63 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Poland | PL | 48 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Portugal | PT | 351 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Qatar | QA | 974 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Romania | RO | 40 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Saudi Arabia | SA | 966 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Singapore | SG | 65 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Slovakia | SK | 421 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Slovenia | SI | 386 | 8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | South Africa | ZA | 27 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | South Korea | KR | 82 | 9–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Spain | ES | 34 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Sri Lanka | LK | 94 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Sweden | SE | 46 | 7–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Switzerland | CH | 41 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Taiwan | TW | 886 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Tanzania | TZ | 255 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Thailand | TH | 66 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Turkey | TR | 90 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Uganda | UG | 256 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Ukraine | UA | 380 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | United Arab Emirates | AE | 971 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | United Kingdom | GB | 44 | 9–10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | United States | US | 1 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, area code validation, no symbols/spaces | | Uruguay | UY | 598 | 7–8 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Uzbekistan | UZ | 998 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Venezuela | VE | 58 | 10 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | | Vietnam | VN | 84 | 9 | E.164 | E.164 validation, numeric validation, length validation, prefix validation, phone number cleansing | ## International phone number formatting All phone numbers must use E.164 format: a `+` prefix, followed by the country code, followed by the national number with no spaces, dashes, or parentheses. **Example:** A United Arab Emirates mobile number `50 123 4567` with country code `971` becomes `+971501234567`. ### Known limitations - **Dashboard phone field length**: The RiskOSβ„’ Dashboard phone input field may truncate numbers that exceed the expected length for a given country. If you encounter this issue when entering international numbers through the Dashboard, submit the phone number via the API in E.164 format instead. - **Country code required**: Phone numbers submitted without a country code cannot be validated. Always include the full E.164 number including the `+` prefix and country code. - **Unsupported regions**: If a phone number originates from a country not listed in the coverage table, Phone Risk may return limited or no results. The evaluation continues with other available enrichments. ## Industries it fits - **Financial services**: Account opening, fraud prevention, progressive onboarding - **E-commerce**: Checkout fraud prevention, return abuse detection - **Payments**: Reduce risk in P2P transfers and high-value transactions - **Gaming & media**: Stop fake accounts, bonus abuse, duplicate accounts - **Telecom**: Validate new phone numbers during profile changes and SIM/line updates - **Call centers & CX**: Real-time trust checks for number changes and OTP delivery - **Plus** other digital onboarding and fraud risk workflows ## Business and operational outcomes ### 1. For fraud and risk teams - Identify high-risk phone numbers in real time. - Reduce OTP-related ATO by validating the destination number’s risk and ownership. - Leverage multiple model scores per call for testing and migration. - Gain transparency with reason codes for both risk and correlation. ### 2. For growth and onboarding teams - **Progressive onboarding**: Establish trust early with only a phone number (optionally name/address for correlation). - **Reduced friction**: Let good users through while blocking risky numbers. - **Adaptive signals**: Multiple models tuned for different fraud/risk trade-offs. ### 3. For support and operations - **Fewer escalations**: Clearer signals reduce review queues. - **Transparent explanations**: Reason codes help agents understand outcomes. - **Lightweight integration**: Minimal required fields keep implementation fast. ## Performance considerations - **Fast responses**: Sub-second latency on average in production. - **Always available**: 99.99%+ uptime with global redundancy. - **Built for scale**: Supports tens of millions of risk checks per day. - **Smart models**: Multiple models can run in parallel to optimize accuracy and fraud capture. ## Boundary conditions - **Phone number + country are required**: correlation accuracy improves when first and last name are also provided. - **Multiple models**: Test challenger vs. production models to tune thresholds.