# Identity Fraud Check

### Identity Fraud Check Overview

An Identity Fraud Check is a **UK identity verification** and **identity fraud detection** service.

It verifies a customer’s **name**, **date of birth (DOB)**, and **address** against UK authoritative sources. It then screens the same details against **fraud risk databases** to help identify suspicious patterns.

:flag\_gb: Currently, this service is available only for **UK data sources**.

{% hint style="info" %}
[Learn about the Identity Fraud Checks API.](/documentation/api-reference/check-types/identity-fraud-check.md)
{% endhint %}

### Common use cases

It is particularly relevant for:

* **Account opening and registration (UK KYC)**: Verify identity details before activating an account.
* **Lending and credit applications**: Reduce application fraud before credit decisioning.
* **Change of personal details**: Verify new name, DOB, or address (UK address verification) during profile updates.
* **Account recovery and re-verification**: Re-confirm identity before restoring access or reactivating accounts.

### Analysis performed

The Identity Fraud Check applies a two-layer verification process. It validates both the **authenticity of customer details** and the customer’s **fraud risk profile**.

**Detailed verification checks**

<table><thead><tr><th width="237.5234375">Analysis</th><th>Verifications Performed</th></tr></thead><tbody><tr><td><strong>Identity Verification</strong></td><td><p>Verifies the following customer details against UK authoritative sources:</p><ol><li>Name</li><li>Date of birth (DOB)</li><li>Address</li></ol></td></tr><tr><td><strong>Fraud Database Analysis</strong></td><td>Screens customer details against high-risk data sources such as fraud, police, mortality, and known fake profile databases.</td></tr></tbody></table>

### Sample result

The example below shows a representative Identity Fraud Check result for identity verification and fraud screening outcomes.

Use it to see how matched customer details, fraud indicators, and verification findings may appear in an Identity Fraud Check report.

<figure><img src="/files/w7PZ7CfTKqHK97PbNPJN" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
This example is illustrative. Exact fields, values, and layout may vary by data source, workflow, configuration, and result.
{% endhint %}

### Check duration

An Identity Fraud Check takes an average of **2 seconds** to complete.

### Frequently asked questions

<details>

<summary>Is Identity Fraud Check available outside the UK?</summary>

No.

Identity Fraud Check currently supports **UK data sources only**.

</details>

<details>

<summary>Which customer details does Identity Fraud Check verify?</summary>

Identity Fraud Check verifies:

* Name
* Date of birth
* Address

It then screens the same details against fraud, police, mortality, and known fake profile databases.

</details>

<details>

<summary>How is Identity Fraud Check different from Multi-Bureau Check?</summary>

Identity Fraud Check is focused on **UK identity verification** plus **fraud database screening**.

[Multi-Bureau Check](/documentation/product-guides/identity-verification/multi-bureau-check.md) focuses on identity and address verification across broader data sources and multiple supported countries.

</details>

<details>

<summary>Can I use Identity Fraud Check for account opening and account recovery?</summary>

Yes.

It is well suited for **account opening**, **lending applications**, **profile detail changes**, and **account recovery or re-verification** flows.

</details>

<details>

<summary>Can I use Identity Fraud Check inside a workflow?</summary>

Yes.

You can run Identity Fraud Check inside [Workflows](/documentation/product-guides/compliance-studio/workflows.md) and combine it with checks such as [Document Check](/documentation/product-guides/identity-verification/document-check.md), [Identity Check](/documentation/product-guides/biometric-and-liveness-verification/identity-check.md), [Proof of Address Check](/documentation/product-guides/kyc-automation-services/proof-of-address-check.md), and [AML Screening Check](/documentation/product-guides/watchlist-pep-and-adverse-media/aml-screening-check.md).

</details>

### Related checks

You’ll typically run Identity Fraud Check alongside:

* [Document Check](/documentation/product-guides/identity-verification/document-check.md) for ID document verification.
* [Identity Check](/documentation/product-guides/biometric-and-liveness-verification/identity-check.md) for biometric liveness verification.
* [Proof of Address Check](/documentation/product-guides/kyc-automation-services/proof-of-address-check.md) to verify address evidence.
* [AML Screening Check](/documentation/product-guides/watchlist-pep-and-adverse-media/aml-screening-check.md) for sanctions, PEP, and adverse media screening.

### Related topics

Use these to run Identity Fraud Check inside a broader UK onboarding flow:

* [Workflows](/documentation/product-guides/compliance-studio/workflows.md) to orchestrate checks into a single customer journey.
* [Policies](/documentation/product-guides/compliance-studio/policies.md) to apply consistent decision rules across journeys.
* [Smart Forms](/documentation/product-guides/compliance-studio/smart-forms.md) to collect customer details and attestations in the same flow.
* [Advanced Case Management](/documentation/product-guides/due-diligence-tools/advanced-case-management.md) to manage exceptions, tasks, and reviewer outcomes.


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