Stop Fraud Before It Becomes a Loss
Enformion combines deep identity intelligence with nationwide consortium and velocity signals to identify suspicious activity before it turns into financial loss.
From application screening and account opening to account changes and ongoing risk assessment, Enformion gives you the intelligence to make faster, smarter fraud decisions—without adding unnecessary friction for legitimate customers.
Built For
Financial InstitutionsAlternative LendersFintechsFraud Solution Providers
The Problem
Fraud exploits the blind spots between verification, decisioning, and monitoring.
Even sophisticated fraud programs can miss risk when signals are evaluated in isolation or surface too late. Those gaps increase losses, operating costs, and friction for legitimate customers.
Risk Hides in Valid Identities
Fraudsters can use identity information that looks legitimate in isolation, allowing suspicious applications to pass traditional verification.
Fraud Signals Live Outside Your Walls
Your institution sees its own activity. Fraudsters operate across organizations, making cross-institution patterns and velocity difficult to detect.
More Screening Means More Cost
Sending every applicant through expensive verification and manual review increases costs, slows decisions, and adds unnecessary friction.
Account Takeover Starts Before Money Moves
Contact changes and other non-monetary events can signal account takeover long before a fraudulent card request, wire, or transaction occurs.
Our Fraud Solutions
Put the Right Intelligence at Every Point-of-Risk
Enformion's fraud solutions address distinct points in the customer lifecycle, giving you the flexibility to strengthen individual workflows or create a more connected approach to fraud prevention.
Kevari Data Network
Screen risk before you spend more to verify it.
Kevari Data Network provides an efficient first layer of fraud intelligence that evaluates address, phone, email, and IP using consortium, velocity, and third-party signals to detect fraud and first-payment-default risk before deeper KYC verification.
- Screen every application earlier
- Reduce downstream verification spend
- Uncover cross-institution risk patterns
- Improve high-volume decisioning
- Operate without an SSN input
Use Cases
- Alternative Lending
- Payday Loans
- Waterfall Screening
- High-Volume Lending
- Default Risk
Safe2Open
Bring identity verification and fraud screening together.
Safe2Open combines identity verification with exclusive consortium and velocity intelligence to identify suspicious application behavior while legitimate customers are still in the onboarding flow.
- Verify identity and screen fraud in a single API call
- Detect risk across identity elements
- Enable real-time KYC decisioning
- Reduce integration cost and complexity
- Minimize friction for good customers
Use Cases
- Account Opening
- KYC Compliance
- Application Decisioning
- Alternative Lending
- Address Discrepancy
KBA
Add another layer of confidence to high-risk decisions.
Knowledge-Based Authentication (KBA) verifies that a person is who they claim to be by challenging them with identity-specific questions. Use it as an additional authentication step when risk signals warrant greater scrutiny, without adding friction to every customer interaction.
- Step up verification when risk is higher
- Add protection beyond basic identity matching
- Keep low-risk interactions moving
- Strengthen high-risk decisioning
- Reduce reliance on manual verification
Use Cases
- Identity Verification
- Step-Up Authentication
- Account Recovery
- High-Risk Transactions
- Customer Verification
Safe2Change
Catch account takeover before the money moves.
Safe2Change evaluates changes to the address, phone, and email associated with existing accounts to uncover the non-monetary signals that often precede account takeover and financial loss.
- Detect account takeover earlier
- Turn contact changes into risk signals
- Prevent downstream fraud losses
- Strengthen regulatory controls
- Reduce verification expense
Use Cases
- Account Takeover
- Contact Changes
- Red Flags Compliance
- Card Fraud
- Wire Fraud
AddressWatch
Turn address data into an actionable risk signal.
AddressWatch provides access to a proprietary database of more than 300,000 high-risk and nontraditional delivery points to help teams understand when an address warrants additional review or a different business action.
- Identify high-risk address types
- Add context beyond address validity
- Strengthen cross-functional decisions
- Keep risk intelligence current
- Deploy without transactional API calls
Use Cases
- Fraud Prevention
- Credit Risk
- Collections
- KYC/CIP
- Address Screening
Why Enformion
More Signals. More Context. One Partner.
Enformion combines identity intelligence with consortium and velocity signals to give fraud teams a broader view of risk.
120B Identity Records
Deep identity intelligence spanning thousands of sources.
6,500+ Institutions
Nationwide consortium intelligence reveals activity no single organization alone can see.
Real-Time Velocity
Detect unusual activity and repeated identity elements across applications and institutions.
One Fraud + Identity Platform
Combine identity verification and fraud detection in one platform instead of stitching together point solutions.
See What Your Fraud Stack Could Be Missing
Put Enformion's identity, consortium, and velocity intelligence to work across your fraud workflows. See how you can identify more risk, reduce unnecessary verification and manual review, and prevent losses earlier in the customer lifecycle.
Request a Demo