Understanding Policies

Policies, sometimes referred to as “Risk Policies” are a system designed on the platform to group a batch of Risk Decisions at once automatically.

Policies - What makes up a policy?

A policy is made up of 5 components, Decisions, Sub-Decisions, Rules, Dependencies, and Failover Dependences. See the table below for descriptions of each:

Policy Component	Description
Decisions	A configuration of risk rules allowing Facilitators or Referrers to set specific risk criteria to determine the automated action that should occur to a transaction or entity.
Sub-Decisions	Conditional Decisions offered based on the primary Risk decision offered.
Rules	Specified risk criteria set and required to trigger an individual Decision Action.
Dependencies	The result of another Decision acts as a prerequisite to trigger the current policy.
Failover Dependencies	The action that should be taken if a Decision dependency fails or an error occurs to avoid the decision action.

Decisions

You can find all available decisions here:

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Decision	Description	Available Sub Decisions
RealtimeMemberSearch	Designed to identify Individuals who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
RealtimeBusinessSearch	Designed to identify Business who have been designated risks by the US and Foreign governments.	Entity Score Address Conflict Citizenship Conflict Country Conflict DOB Conflict Entity Type Conflict Gender Conflict ID Conflict Phone Conflict
MasterCardMatch	A database that houses information about businesses (and their owners) whose credit card processing privileges have been terminated for a set of very specific reasons. Submissions can be flagged based on a partial, full or no match indicator.	Possible Matches Name DoingBusinessAsName Address Phone Number Alt Phone Number Country Subdivision Tax ID National Tax ID Service Provider Legal Service Provider DBA Representative Name Representative Address Representative Phone Number Representative Alt Phone Number Representative National ID Representative Drivers License ID Theft Rep National ID ID Theft Rep National Tax ID Termination Reason Code
BusinessInstantId	Validates and verifies a Business information, and TIN across multiple databases using a powerful, proprietary search and comparison process.	Business Score Verification Code Company Name Verification Street Address Verification City Verification State Verification ZIP Verification Phone Verification EIN Verification Risk Indicator Code OFAC Watch List Match Global Watch List Match Business Risk Address Match Business to Rep Link Index REP CVI Score REP Risk Indicator Score REP DOB Code REP NAS Code REP Watch List Match REP PO Box Address REP Decedent Match
ConsumerInstantId	Validates and verifies a consumer's identity information, and DOB across multiple databases using a powerful, proprietary search and comparison process.	CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match Red Flag Code
ConsumerInstantIdBasic		CVI Code Risk Indicator Code NAS Code NAP Code Decedent Match SSN Match DOB Code PO Box Address Watch List Match
ThreatMetrix	A comprehensive digital identity to authenticate each connecting user by combining information relating to devices, anonymized identity information, behavior patterns and threat intelligence.	Review Status Policy Score Reason Codes Risk Rating
TxnThreatMetrix		Review Status Policy Score Reason Codes Risk Rating
ThreatMetrixEmailage		Fraud Risk Score Risk Reason Risk Band Digital Identity Score Total Hits Unique Hits Level Fraud Type Email Exists Email Creation Days First Seen Days Name Match Domain Risk Level Domain Exists Domain Relevant Info Domain Creation Days Domain Country Name Domain Corporate IP Risk Level IP Risk Reason Email To IP Confidence Email to Phone Confidence Email to Name Confidence IP to Phone Confidence IP to Name Confidence Email Owner Friend Count Phone Status Phone Owner Match Phone Carrier Type Reason Codes
ThreatMetrixFraudpoint
ThreatMetrixPhoneFinder
LegitScriptRegister	Boards the merchant for online compliance review against the operating regulations of Visa, Mastercard, and other major payment networks.
EquifaxConsumerCreditReport
CharityCheck	Ensure charities are compliant within key databases including IRS Publication 78, IRS Business Master File, Internal Revenue Bulletin, Automatic Revocation of Exemption, and OFAC Specially Designated National list.
GiactInquiry	GIACT Inquiry
GiactTxnInquiry	GIACT Inquiry for Transaction
GiactGauthenticate
GiactTxnGauthenticate
PayloadAttribute
PayloadTransactionAttribute
RiskRating
TransactionSize
TransactionAttribute
TransactionAuthorization
AvsResponse
CountryBlock
TransactionMetrics
TinCheck	Validates your recipient's Name/TIN information in real-time against the IRS database, the Office of Foreign Assets Control list (OFAC), and the Death Master File (DMF) to ensure you have valid recipient Name/TIN information.
TruliooIdv
TruliooBusinessVerification
TruliooAsyncBusinessVerification
TruliooAmlIdv
PlaidGetIdentity
PlaidIdentityMatch
TxnPlaidIdentityMatch
TxnPlaidGetIdentity
TxnPlaidGetAuth
BaselineTxnMetricsOutlierTicketSize

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RealtimeMemberSearch & RealtimeBusinessSearch

Sub-Decision	Description	Operators	Valid Values
Entity Score	A score indicating the confidence in the identity match.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: 0 - 100
Address Conflict	Whether the address information for screening list entity matches.	Truthy Falsy	No value. Operator serves as the value.
Citizenship Conflict	Whether the citizenship information for screening list entity matches.	Truthy Falsy	No value. Operator serves as the value.
Country Conflict	Whether the country information for screening list entity matches.	Truthy Falsy	No value. Operator serves as the value.
DOB Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operator serves as the value.
Entity Type Conflict	Whether the Entity Type information for screening list entity matches	Truthy Falsy	No value. Operator serves as the value.
Gender Conflict	Whether the Date of Birth information for screening list entity matches	Truthy Falsy	No value. Operator serves as the value.
ID Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operator serves as the value.
Phone Conflict	Whether the ID information for screening list entity matches	Truthy Falsy	No value. Operator serves as the value.

MasterCardMatch

Sub-Decision	Description	Operator	Valid Values
Possible Matches	Indicates that any match was made with the MATCH watchlist.	Truthy Falsy	No value. Operator serves as the value.
Name		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
DoingBusinessAsName		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Address		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Alt Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Country Subdivision Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
National Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Service Provider Legal		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Service Provider DBA		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Name		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Address		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Alt Phone Number		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative National ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Representative Drivers License		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
ID Theft Rep National ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
ID Theft Rep National Tax ID		Matches Value No Match	M00 - No Match M01 - Exact Match M02 - Phonetic Match
Termination Reason Code		Matches Value No Match	1 - Account Data Compromise 2 - Common Point of Purchase (CPP) 3 - Laundering 4 - Excessive Chargebacks 5 - Excessive Fraud 6 - Reserved for Future Use 8 - Mastercard Questionable Merchant Audit Program 9 - Bankruptcy/Liquidation/Insolvency 10 - Violation of Standards 11 - Merchant Collusion 12 - PCI Data Security Standard Noncompliance 13 - Illegal Transactions 14 - Identity Theft Definitions from Mastercard available here.

BusinessInstantId

Sub-Decision	Description	Operator	Valid Values
Business Score	The BVI (business verification index) is an index that summarizes the verification of the business information	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing found to confirm the existence of the business. 10 - Significant contradictory findings or an OFAC match exists or only single input elements are valid. 20 - Partial verification of input data; business may exist but can’t be positively confirmed. 30 - Business identity confirmed, but failure to verify all identity elements. 40 - Strong verification of the input data is confirmed. 50 - Business is verified with no contradictory findings.
Verification Code		Matches Value No Match	0 - No business inputs verified on this source. 1 - One of the following verified: Input Business name, address, phone or federal EIN. 2 - Two of the following verified: Input Business name, address, phone, and/or federal EIN. 3 - Three of the following verified: Input Business name, address, phone, and/or federal EIN. 4 - All input business information verified.
Company Name Verification		Truthy Falsy	No value. Operator serves as the value.
Street Address Verification		Truthy Falsy	No value. Operator serves as the value.
City Verification		Truthy Falsy	No value. Operator serves as the value.
State Verification		Truthy Falsy	No value. Operator serves as the value.
ZIP Verification		Truthy Falsy	No value. Operator serves as the value.
Phone Verification		Truthy Falsy	No value. Operator serves as the value.
EIN Verification		Truthy Falsy	No value. Operator serves as the value.
Risk Indicator Code		Matches Value No Match	10 - The input business name matches OFAC file. 11 - The input business name matches non-OFAC global watchlist(s) 12 - Bankruptcy on record suggests the business may be defunct 13 - Business not in good standing according to the Secretary of State 14 - Business inactive according to the Secretary of State 15 - Business is not registered at Secretary of State of input business state 16 - The input business TIN is associated with a different business name and address 17 - Unable to verify business name, address, TIN and phone on business records 18 - Unable to verify business name on business records, but alternate business name found in business records 19 - Unable to verify business name on business records 20 - Unable to verify business address on business records 21 - Unable to verify business TIN on business records 22 - Unable to verify business phone number on business records 23 - Business first reported in last 12 months 24 - Business first reported in last 24 months 25 - The input business address may be a previous address 26 - Address mismatch between the input business city/state and zip code 27 - The input business address is a vacant address 28 - The input business phone number may be disconnected 29 - The input phone number is associated with a different name and address 30 - The input business may be associated with a post office box 31 - The input business phone number is a mobile number 32 - The input business zip code has a prison within the zip code area 33 - The input business zip code is a military only zip code 34 - The input business address may be a residential address (single family dwelling) 35 - The input business phone number may be associated with a residential listing 36 - The input business phone number and business address on record are geographically distant (> 10 miles) 37 - The input business TIN is not found 38 - No updates to business record in the past 36 months 39 - No updates to business record in the past 24 months 40 - No updates to business record in the past 12 months 41 - Business operates or has operated at multiple locations 42 - Business has been banned from doing business with the government 43 - The input business address may be invalid according to postal specifications 44 - The input business phone number is potentially invalid 45 - The input business TIN is potentially invalid 46 - The input business name matches the input alternate business name 47 - The input business name may have been miskeyed 48 - The input business address may have been miskeyed 49 - The input business phone number may have been miskeyed 50 - The input business TIN may have been miskeyed 51 - The input business name was missing 52 - The input business address was missing 53 - The input business phone was missing or incomplete 54 - The input business TIN was missing or incomplete
OFAC Watch List Match		Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
Global Watch List Match		Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
Business Risk Address Match		Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
Business to Rep Link Index		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep’s address is the same as the input business address. The input authorized rep’s first or last name appears as part of the input business name. The input authorized rep’s phone is the same as the input business phone. 20 - The input authorized rep’s SSN is the same as the input business FEIN. The input authorized rep’s address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep’s address matches the business address on record. The input authorized rep’s first or last name appears as part of the business name on record. The input authorized rep’s phone matches the business phone on record. 40 - The input authorized rep’s address matches the personal address of a business contact on record. The input authorized rep’s SSN matches the business FEIN on record. The input authorized rep’s address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep’s first and last name matches the first and last name of a business contact on record. The input authorized rep’s SSN matches the SSN of a business contact on record.
REP CVI Score		Matches Value No Match	0 - The input authorized rep cannot be linked to the business 10 - The input authorized rep's address is the same as the input business address. The input authorized rep's first or last name appears as part of the input business name. The input authorized rep's phone is the same as the input business phone. 20 - The input authorized rep's SSN is the same as the input business FEIN. The input authorized rep's address and first or last name is the same as the input business’ address and part of the name. 30 - The input authorized rep's address matches the business address on record. The input authorized rep's first or last name appears as part of the business name on record. The input authorized rep's phone matches the business phone on record. 40 - The input authorized rep's address matches the personal address of a business contact on record. The input authorized rep's SSN matches the business FEIN on record. The input authorized rep's address and first or last name matches the business’ address and part of the name on record. 50 - The input authorized rep's first and last name matches the first and last name of a business contact on record. The input authorized rep's SSN matches the SSN of a business contact on record.
REP Risk Indicator Score		Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone. 05 - 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 13 - 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 20 - 21 - 22 - 23 - 24 - 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 33 - 34 - 35 - 36 - 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 40 - 41 - The input driver's license number is invalid for the input DL State 42 - 43 - 44 - The input phone area code is changing 45 - 46 - The input work phone is a pager number 47 - 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 54 -
REP DOB Code		Matches Value No Match	0 1 2 3 4 5 6 7 8
REP NAS Code			0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name, and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
REP NAP Code			0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
REP Watch List Match		Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
REP PO Box Address		Truthy Falsy	No value. Operator serves as the value.
REP Decedent Match		Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.

Consumer InstantID

Sub-Decision	Operator	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operator serves as the value.
Watch List Match	Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
Red Flag Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input dateof-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid or not yet issued 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 38 - The input SSN is associated with multiple last 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 73 - The input phone number is not found in the public record 74 - The input phone number is associated with a different name and address 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date of birth was missing or incomplete 83 - The input date of birth may have been miskeyed 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) 91 - Security Freeze (CRA corrections database) 93 - Identity Theft Alert (CRA corrections database) CA - The primary input address is a Commercial Mail Receiving Agency CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military-only zip code MS - Multiple SSNs reported with applicant names NB - No date-of-birth reported for the input identity PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box SR - Address mismatch on secondary address range VA - The input address is a vacant address ZI - Unable to verify zip code

ConsumerInstantIdBasic

Sub-Decision	Operator	Valid Values
CVI Code	Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match	0 - Nothing verified 10 - Critical ID elements not verified, are associated with different person(s), or indications such as OFAC matches, deceased/invalid SSN, SSN issued prior to DOB, etc. exist 20 - Minimal verification, critical ID elements not verified or associated with different person(s) 30 - Several ID elements verified 40 - Last name, address and SSN or phone verified; first name, phone or SSN verification failures 50 - Full name, address, phone, SSN verified
Risk Indicator Code	Matches Value No Match	02 - The input SSN is reported as deceased 03 - The input SSN was issued prior to the input date-of-birth 04 - The input last name and SSN are verified, but not with the input address and phone 06 - The input SSN is invalid 07 - The input phone number may be disconnected 08 - The input phone number is potentially invalid 09 - The input phone number is a pager number 10 - The input phone number is a mobile number 11 - The input address may be invalid according to postal specifications 12 - The input zip code belongs to a post office box 14 - The input address is a transient commercial or institutional address 15 - The input phone number matches a transient commercial or institutional address 16 - The input phone number and input zip code combination is invalid 19 - Unable to verify name, address, SSN/TIN and phone 25 - Unable to verify address 26 - Unable to verify SSN/TIN 27 - Unable to verify phone number 28 - Unable to verify date-of-birth 29 - The input SSN/TIN may have been miskeyed 30 - The input address may have been miskeyed 31 - The input phone number may have been miskeyed 32 - The input name matches the OFAC file 37 - Unable to verify name 38 - The input SSN is associated with multiple last names 39 - The input SSN is recently issued 41 - The input driver's license number is invalid for the input DL State 44 - The input phone area code is changing 46 - The input work phone is a pager number 48 - Unable to verify first name 49 - The input phone and address are geographically distant (>10 miles) 50 - The input address matches a prison address 51 - The input last name is not associated with the input SSN 52 - The input first name is not associated with the input SSN 53 - The input home phone and work phone are geographically distant (>100 miles) 55 - The input work phone is potentially invalid 56 - The input work phone is potentially disconnected 57 - The input work phone is a mobile number 64 - The input address returns a different phone number 66 - The input SSN is associated with a different last name, same first name 71 - The input SSN is not found in the public record 72 - The input SSN is associated with a different name and address 74 - The input phone number is associated with a different name and address 75 - The input name and address are associated with an unlisted/non-published phone number 76 - The input name may have been miskeyed 77 - The input name was missing 78 - The input address was missing 79 - The input SSN/TIN was missing or incomplete 80 - The input phone was missing or incomplete 81 - The input date-of-birth was missing or incomplete 82 - The input name and address return a different phone number 83 - The input date-of-birth may have been miskeyed 85 - The input SSN was issued to a non-US citizen 89 - The input SSN was issued within the last three years 90 - The input SSN was issued after age five (post-1990) CA - The primary input address is a Commercial Mail Receiving Agency CL - The input SSN is not the primary SSN for the input identity CO - The input zip code is a corporate only zip code CZ - Address mismatch between city/state and zip code DD - A different driver's license number has been found for the input applicant DF - The input driver’s license number is valid and is not on record DI - The input identity is reported as deceased DM - The input driver's license number may have been miskeyed DV - Unable to verify driver's license number IS - Input SSN possibly randomly issued by SSA, but invalid when first associated with the input identity IT - The input SSN is an ITIN MI - Multiple identities associated with the input SSN MO - The input zip code is a military only zip code MS - Multiple SSNs reported with applicant NB - No date-of-birth reported for the input identity NF - The input first name and last name may have been flipped PA - Potential address discrepancy - the Input address may be previous address PO - The primary input address is a PO Box RS - The input SSN was possibly randomly issued by the SSA SD - The input address State is different than the LN best address State for the input identity SR - Address mismatch on secondary address range VA - The input address is a vacant address WL - The input name matches one or more of the non-OFAC global screening list(s) ZI - Unable to verify zip code
NAS Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input SSN is associated with a different name and address 2 - Input First name and Last Name matched 3 - Input First name and Address matched 4 - Input First name and SSN matched 5 - Input Last name and Address matched 6 - Input Address and SSN matched 7 - Input Last name and SSN matched 8 - Input First name, Last name and Address matched 9 - Input First name, Last name and SSN matched 10 - Input First name, Address, and SSN matched 11 - Input Last name, Address, and SSN matched 12 - Input First name, Last name, Address and SSN matched
NAP Code	Matches Value No Match	0 - Nothing found for input criteria 1 - Input Phone is associated with a different name and address 2 - First name and Last name matched 3 - First name and Address matched 4 - First name and Phone matched 5 - Last name and Address matched 6 - Address and Phone matched 7 - Last name and Phone matched 8 - First name, Last name, and Address matched 9 - First name, Last name, and Phone matched 10 - First name, Address, and Phone matched 11 - Last name, Address, and Phone matched 12 - First name, Last name, Address, and Phone matched
Decedent Match	Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.
SSN Match	Matches Value No Match	B F G M O R S U X Z
DOB Code	Matches Value No Match	0 1 2 3 4 5 6 7 8
PO Box Address	Truthy Falsy	No value. Operator serves as the value.
Watch List Match	Is Present	Yes The operator serves as the value. If any result is present, fail for this decision.

ThreatMetrix

Sub-Decision	Description	Operator	Valid Values
Review Status	The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.	Matches Value No Match	Pass Reject Review Challenge
Policy Score	The policy score which is calculated as the sum of the individual risk weights of its rules.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: -100 to +100
Reason Codes	The reason codes which indicate the rules that triggered during policy evaluation.	Matches Value No Match
Risk Rating	The associated risk value based on policy score ranges determined in the policy settings.	Matches Value No Match	High Medium Low Neutral Trusted

Transaction ThreatMetrix

Sub-Decision	Description	Operator	Valid Values
Review Status	The Review Status of a transaction which is dependent upon the execution of the rules in the policy and the policy score obtained.	Matches Value No Match	Pass Reject Review Challenge
Policy Score	The policy score which is calculated as the sum of the individual risk weights of its rules.	Greater Than or equal to threshold Less Than or equal to threshold	Score values: -100 to +100
Reason Codes	The reason codes which indicate the rules that triggered during policy evaluation.	Matches Value No Match
Risk Rating	The associated risk value based on policy score ranges determined in the policy settings.	Matches Value No Match	High Medium Low Neutral Trusted

ThreatMetrix Emailage

Sub-Decision	Description	Operator	Valid Values
Fraud Risk Score		Greater Than or equal to threshold Less Than or equal to threshold
Risk Reason		Matches Value No Match
Risk Band		Matches Value No Match
Digital Identity Score		Greater Than or equal to threshold Less Than or equal to threshold
Total Hits		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Unique Hits Level		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Fraud Type		Matches Value No Match
Email Exists		Matches Value No Match
Email Creation Days		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
First Seen Days		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Name Match		Matches Value No Match
Domain Risk Level		Matches Value No Match
Domain Exists		Matches Value No Match
Domain Relevant Info		Matches Value No Match
Domain Creation Days		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Domain Country Name		Greater Than or equal to threshold Less Than or equal to threshold Matches Value
Domain Corporate		Matches Value No Match
IP Risk Level		Matches Value No Match
IP Risk Reason		Matches Value No Match
Email To IP Confidence		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email to Phone Confidence		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email to Name Confidence		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
IP to Phone Confidence		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
IP to Name Confidence		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match Is Empty
Email Owner Friend Count		Greater Than or equal to threshold Less Than or equal to threshold Matches Value No Match
Phone Status		Matches Value No Match Is Empty
Phone Owner Match		Matches Value No Match Is Empty
Phone Carrier Type		Matches Value No Match Is Empty
Reason Codes		Matches Value No Match