Sigma First-Party Fraud
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 |
What you can do with First-Party Fraud
- 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.
Unique Features
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.
Get started
- Sign up
Enable First-Party Fraud for your workspace through the RiskOS™ Dashboard. - Create a workflow
Build a new RiskOS™ workflow or update an existing one with First-Party Fraud. - Submit identity data
Send a payload to the/api/evaluationendpoint using valid PII combinations.
Integration
- Payload schema
View required and optional fields for Sigma First-Party Fraud requests. - Interpret result
Use the risk signals to drive workflow outcomes. - Fraud models
Learn about Socure’s fraud detection framework for the Identity Manipulation Model and the Dispute Abuse Model.