Jumio’s Cross-Transaction Risk capability provides holistic insights by analyzing identity transactions across contexts, channels, and time. It leverages the Jumio Identity Graph to connect past legitimate and fraudulent transactions, giving you a complete view of each user’s activity history and the ability to assess and flag risk. Unlike one-time document checks, Cross-Transaction Risk provides visibility into whether a user or ID has been seen before, how often, and at what risk levels.
This article describes why Cross-Transaction Risk is essential for businesses and how our latest enhancements provide fraud and compliance leaders with greater control and transparency.
The Power of Cross-Transaction Risk Checks to Detect Fraud
Fraud rarely happens in isolation. Repeat offenders, fake accounts, and synthetic identities move across platforms, industries, and regions.
But most teams see a user for the very first time when the person first tries to access their system, creating a major blind spot where risk signals and past behavior are completely unknown. This siloed view limits detection and leaves complex fraud patterns hidden beneath the surface.
With Cross-Transaction Risk, you can:
- See whether a user or ID has appeared before, not just within your own transactions, but across the broader Jumio Network spanning other businesses, countries and industries
- Support compliance requirements around unique user identification, including restrictions on holding multiple accounts
- Understand frequency, timing, and risk context
- Analyze both fraudulent and successful past transactions to build a fuller behavioral picture of the user across your ecosystem, including multiple departments or brands
- Detect 28% more fraud on average
- Accelerate investigations and uncover linked accounts
- Provide auditable, regulator-ready history within your own ecosystem
What’s New: Configurable Rules and Transparent Reporting
Jumio’s Cross-Transaction Risk capability has been enhanced to provide configurable rules and transparent reporting for better adaptability, control and insights than ever before.
Configurable Rules
Fraud patterns are becoming more intricate, so rules need to be precise while also being flexible enough to adapt to business-specific scenarios and risk appetite. Our latest enhancements give you complete, real-time control over Cross-Transaction Risk rules:
- Add filters based on properties of connected (or matched) past transactions, such as reject reason, internal references or risk level to tailor rules to your specific needs
- Reduce false positives through more targeted logic
- Adapt to complex regulatory requirements around user accounts
Transaction-Level Reporting
Businesses increasingly expect transparency, traceability and defensible logic, often to support regulatory requirements. That’s why our Cross-Transaction Risk reporting has been enhanced with full transparency into each transaction:
- Granular match statistics — such as the number of matches in the Jumio Identity Graph, within a customer’s own environment and across the global database along with their risk levels — provide clarity into why a user was flagged
- Audit-ready reporting for compliance teams
- Easier trend analysis and prioritization of high-risk cases
Real-World Impact Across Your Organization
These enhancements empower teams across your organization to fight fraud with both flexibility and proof.
- Fraud analysts: Faster investigations through detailed match histories.
- Risk teams: Configurability lets you fine-tune how actions are triggered and respond to emerging patterns in real time.
- Compliance: Transparent, regulator-friendly reporting. For example, when regulators require monitoring all activity tied to a user or enforcing a one-user-one-account policy, you can reliably identify all accounts associated with the same individual across your ecosystem, avoiding the high false positives of device-based methods.
- Operations: Reduced manual workload through clearer signals and fewer false positives. For example, you can consolidate user accounts across different departments, services and brands by recognizing when they belong to the same individual. This gives businesses a unified view of a user’s true impact and value across the entire ecosystem.
To see how these enhancements improve your ability to detect repeat fraud, reduce investigation time and manual workload, and meet compliance requirements, explore Cross-Transaction Risk enhancements in your Jumio Portal, or request a walkthrough from your Jumio team here.
FAQs
What is Cross-Transaction Risk?
Jumio’s Cross-Transaction Risk empowers Jumio customers to detect fraud and adhere to compliance by delivering a holistic, cross-customer view of user identity. Unlike traditional identity verification that assess individual transactions in isolation. Cross-Transaction Risk connects identity elements across the Jumio Identity Graph to reveal patterns of both trusted and fraudulent behavior.
How is Cross-Transaction Risk different from traditional identity verification?
Traditional identity checks validate a user at a single point in time. Cross-Transaction Risk goes further by analyzing historical identity activity across past successful and fraudulent transactions, helping businesses detect fraud and complex patterns that one-time checks miss.
What is the Jumio Identity Graph?
The Jumio Identity Graph connects identity attributes and transaction outcomes across the Jumio Network. It enables Cross-Transaction Risk by linking related activity over time, giving businesses a more complete behavior view of an individual or identity.
