## 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<br>- Frequency and distinct counts of identity elements (emails, phones, addresses, etc.)<br>- 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/evaluation` endpoint 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.