{"title":"Identify and mitigate account holder risk","category":"Classic Platforms","creationDate":1776961628,"content":"<div class=\"sc-notice info\"><div>\n<p>This page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our <a href=\"\/pt\/adyen-for-platforms-model\">new integration guide<\/a> instead.<\/p>\n<\/div><\/div>\n<p>Identify fraudulent behavior, stop suspicious payouts, and flag unusual account holder activities with Adyen's Score, a feature that you can now use with your Adyen for Platforms integration. To enable Score for your , contact your Adyen Account Manager.<\/p>\n<h2 id=\"how-it-works\">How Score works<\/h2>\n<p>Adyen analyzes the account holder's <a href=\"\/pt\/classic-platforms\/verification-process\">verification<\/a> data and their transactions to highlight unusual behavior. These are behaviors that indicate potential malicious and fraudulent activities. We call these indicators <a href=\"#risk-signals\">risk signals<\/a>. For example, a risk signal can be a high number of transactions made by the same shopper, or the billing address is in a different country\/region than their bank account.<\/p>\n<p>We use risk signals to:<\/p>\n<ul>\n<li>Detect possible fraud networks.<\/li>\n<li>Calculate an account holder's <a href=\"#risk-score\">risk score<\/a>, a number representing the degree of unusualness of their activities. The value can range from 0 to 100, with 100 as the highest risk score.<\/li>\n<\/ul>\n<p>Adyen flags the risk signals so that you can investigate unusual behavior.<\/p>\n<p>Aside from detecting unusual behavior, Adyen also uses the data to identify linked accounts. Linking accounts can provide insight into returning malicious users, and fraud attacks at scale. We call these linked accounts <a href=\"#identity-network\">identities<\/a>.<\/p>\n<p>By default, Adyen does not disable payouts or processing. You are responsible for <a href=\"\/pt\/classic-platforms\/identify-account-holder-risk\/review-and-manage#score-dashboard\">reviewing the cases<\/a> and taking action, whether by manually reviewing the account or setting up automated actions on your end.<\/p>\n<p>Depending on the outcome of your review, you can take actions such as:<\/p>\n<ul>\n<li>Disable payouts.<\/li>\n<li>Suspend account holders.<\/li>\n<li>Flag risk signals as false positive.\n<\/li>\n<li>Refund payments.\n<\/li>\n<\/ul>\n<p>You can find the risk scores for your account holders, review cases, and take action from your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>. You can access this data from:<\/p>\n<ul>\n<li>The <strong>Case management<\/strong> dashboard. To access the dashboard, go to <strong>Platform<\/strong> &gt; <strong>Score<\/strong>.<\/li>\n<li>The <strong>Score<\/strong> tab in the account holder details. To access this tab, go to <strong>Platform<\/strong> &gt; <strong>Sub-merchant<\/strong>, then select an account holder.\n<\/li>\n<\/ul>\n<h2 id=\"risk-score\">Risk score calculation<\/h2>\n<p>The risk score represents Adyen's conclusion on the unusualness of the activity of an account holder.<\/p>\n<p>The value can range from 0 to 100, where 100 is the highest possible risk score. A risk score of 100 does not mean confirmed malicious or fraudulent behavior. You have to investigate and review the account holder to decide if they display true malicious behavior or if the risk signals indicate a false positive.<\/p>\n<p>Risk scores are based on <a href=\"#risk-signals\">risk signals<\/a>. Each risk signal has a weight that is based on the severity of the impact if the scenario occurs. Because of this, some risk signals contribute more to the risk score. An example of a risk signal that strongly increases the risk score is an account holder using the same bank account as a previously suspended account. You can change the weight of a risk signal or add your own to influence the risk score.<\/p>\n<h2 id=\"identity-network\">Identities<\/h2>\n<p>We analyze the KYC data of all the account holders in your  to detect account holders that have the same characteristics. We group these account holders into an <em>identity<\/em>. Risk signals raised for an account holder are automatically applied to the whole identity, giving the same risk score to all account holders in that identity.<\/p>\n<p>Take the following scenario for example.<\/p>\n<ol>\n<li>Account holder A has bank account ABZ003. Their risk score is 20.<\/li>\n<li>Account holder B signs up to your . They also have a bank account ABZ003.<\/li>\n<li>Adyen groups the two account holders in Identity_1.<\/li>\n<li>Adyen sets the risk score of account holder B to 100. The whole identity gets a risk score of 100.<\/li>\n<\/ol>\n<p>Because account holder A is part of Identity_1, their risk score increases to 100.<\/p>\n<h2 id=\"risk-signals\">Risk signals<\/h2>\n<p>Risk signals are indicators that we use to spot unusual account holder activity. Besides the default risk signals defined by Adyen, you can also add your own.<\/p>\n<ul>\n<li>\n<p><strong>Defined by Adyen<\/strong><\/p>\n<ul>\n<li><strong>KYC data<\/strong>: Risk signals related to KYC information, such as if the account holder has the same bank account as another account holder. KYC data is updated and evaluated in real time. <\/li>\n<li><strong>Transaction signals<\/strong>: Risk signals related to transactions. For example, having an unusual number of refusals where issuers indicated fraud. Transaction signals are updated on a daily basis.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Defined by you<\/strong><\/p>\n<ul>\n<li><strong>Custom risk signals<\/strong>: <a href=\"\/pt\/classic-platforms\/identify-account-holder-risk\/review-and-manage#score-custom-risk\">General KYC values or transaction patterns that you define<\/a>. For example, if you think that account holders with a bank account from a specific bank must always flag a risk signal, add the bank in the custom risk list. Custom risk signals are evaluated in real time.<\/li>\n<li><strong>High risk lists signals<\/strong>: <a href=\"\/pt\/classic-platforms\/identify-account-holder-risk\/review-and-manage#score-action\">More granular KYC values that you define<\/a>. You can use this to add KYC values from confirmed fraudulent account holders, so you will receive a risk signal if they come back to your . High risk lists signals are evaluated in real time.<\/li>\n<\/ul>\n<\/li>\n<\/ul>","url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/identify-account-holder-risk","articleFields":{"description":"Spot potential malicious activities from account holders in your platform.","search_category":"Classic Platforms","parameters":{"directoryPath":"\/classic-platforms","integration":"classic"},"type":"page","last_edit_on":"22-12-2020 11:33","next_steps_description":"Find risk scores, review cases, and take action from your Customer Area.","next_steps":[{"title":"Manage account holder risk","description":"Start using Score in Customer Area.","url":"\/classic-platforms\/identify-account-holder-risk\/review-and-manage","required":false},{"title":"Configure notifications for risk signals","description":"Set up and test webhooks for risk signals.","url":"\/classic-platforms\/identify-account-holder-risk\/configure-notifications-for-risk-signals","required":false}],"feedback_component":true,"model":"platform"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/identify-account-holder-risk","title":"Identify and mitigate account holder risk","content":"\nThis page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our new integration guide instead.\n\nIdentify fraudulent behavior, stop suspicious payouts, and flag unusual account holder activities with Adyen's Score, a feature that you can now use with your Adyen for Platforms integration. To enable Score for your , contact your Adyen Account Manager.\nHow Score works\nAdyen analyzes the account holder's verification data and their transactions to highlight unusual behavior. These are behaviors that indicate potential malicious and fraudulent activities. We call these indicators risk signals. For example, a risk signal can be a high number of transactions made by the same shopper, or the billing address is in a different country\/region than their bank account.\nWe use risk signals to:\n\nDetect possible fraud networks.\nCalculate an account holder's risk score, a number representing the degree of unusualness of their activities. The value can range from 0 to 100, with 100 as the highest risk score.\n\nAdyen flags the risk signals so that you can investigate unusual behavior.\nAside from detecting unusual behavior, Adyen also uses the data to identify linked accounts. Linking accounts can provide insight into returning malicious users, and fraud attacks at scale. We call these linked accounts identities.\nBy default, Adyen does not disable payouts or processing. You are responsible for reviewing the cases and taking action, whether by manually reviewing the account or setting up automated actions on your end.\nDepending on the outcome of your review, you can take actions such as:\n\nDisable payouts.\nSuspend account holders.\nFlag risk signals as false positive.\n\nRefund payments.\n\n\nYou can find the risk scores for your account holders, review cases, and take action from your Customer Area. You can access this data from:\n\nThe Case management dashboard. To access the dashboard, go to Platform &gt; Score.\nThe Score tab in the account holder details. To access this tab, go to Platform &gt; Sub-merchant, then select an account holder.\n\n\nRisk score calculation\nThe risk score represents Adyen's conclusion on the unusualness of the activity of an account holder.\nThe value can range from 0 to 100, where 100 is the highest possible risk score. A risk score of 100 does not mean confirmed malicious or fraudulent behavior. You have to investigate and review the account holder to decide if they display true malicious behavior or if the risk signals indicate a false positive.\nRisk scores are based on risk signals. Each risk signal has a weight that is based on the severity of the impact if the scenario occurs. Because of this, some risk signals contribute more to the risk score. An example of a risk signal that strongly increases the risk score is an account holder using the same bank account as a previously suspended account. You can change the weight of a risk signal or add your own to influence the risk score.\nIdentities\nWe analyze the KYC data of all the account holders in your  to detect account holders that have the same characteristics. We group these account holders into an identity. Risk signals raised for an account holder are automatically applied to the whole identity, giving the same risk score to all account holders in that identity.\nTake the following scenario for example.\n\nAccount holder A has bank account ABZ003. Their risk score is 20.\nAccount holder B signs up to your . They also have a bank account ABZ003.\nAdyen groups the two account holders in Identity_1.\nAdyen sets the risk score of account holder B to 100. The whole identity gets a risk score of 100.\n\nBecause account holder A is part of Identity_1, their risk score increases to 100.\nRisk signals\nRisk signals are indicators that we use to spot unusual account holder activity. Besides the default risk signals defined by Adyen, you can also add your own.\n\n\nDefined by Adyen\n\nKYC data: Risk signals related to KYC information, such as if the account holder has the same bank account as another account holder. KYC data is updated and evaluated in real time. \nTransaction signals: Risk signals related to transactions. For example, having an unusual number of refusals where issuers indicated fraud. Transaction signals are updated on a daily basis.\n\n\n\nDefined by you\n\nCustom risk signals: General KYC values or transaction patterns that you define. For example, if you think that account holders with a bank account from a specific bank must always flag a risk signal, add the bank in the custom risk list. Custom risk signals are evaluated in real time.\nHigh risk lists signals: More granular KYC values that you define. You can use this to add KYC values from confirmed fraudulent account holders, so you will receive a risk signal if they come back to your . High risk lists signals are evaluated in real time.\n\n\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Classic integration","lvl2":"Identify and mitigate account holder risk"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/classic-platforms","lvl2":"\/pt\/classic-platforms\/identify-account-holder-risk"},"levels":3,"category":"Classic Platforms","category_color":"green","tags":["Identify","mitigate","account","holder"]}}