Online fraudsters hide behind multiple virtual identities - either hijacked or forged. Fraudsters work alone or in rings and repeatedly target one or multiple Web sites. Often, they apply for numerous credit accounts using different identities to avoid detection. Even if one of the accounts is caught and shut down, fraudsters simply open a new account(s) using a vast supply of easily obtainable stolen identities/credentials. As fraudsters are getting more sophisticated in their schemes, they are able to avoid getting caught by commonly deployed screening tools such as address verification systems (AVS), IP geolocation and block lists. Without the ability to uncover the hidden associations among these new credit applications and accounts, it is impossible to effectively control fraud.

iovation's unique and proven fraud management approach is helping financial services companies stay ahead of fraudsters. iovation ReputationManager exposes hidden associations among credit applications/financial transactions and accounts that would otherwise appear completely unrelated. The solution identifies whether the applications/transactions originated from the same or related device(s) and uses the reputation of the device(s) to screen for fraud. ReputationManager accomplishes this without alienating legitimate customers due to the false-positive errors common with other fraud management tools.