This check fires when the shopper name is not part of the email address. It does dynamically account for partial matches.
A match between shopper's name and email address content tends to coordinate favorably in predicting if a shopper is legitimate. While it is common for fraudsters to havefirstname.lastname@email addresses, it is rarer for them to actually match them to the name on the payment methods. As such, this risk check is a good prediction of a shopper's intent.