Smarter Synthetic Identity Fraud Detection
Identify fabricated and manipulated identities in real time—while approving more legitimate customers. Sigma Synthetic V5 detects synthetic risk early and enables targeted step-ups only where needed, reducing friction and improving decisioning.
Built for modern synthetic identity fraud
Synthetic identities are designed to look real — and traditional tools that verify whether data exists can’t tell the difference, leaving you at risk of revenue loss, money muling, and bustout fraud.
Sigma Synthetic V5 evaluates identity integrity, not just validity, so you can confidently approve more good customers and stop fraud before it start.
Automatically approve low-risk identities while routing high-risk synthetic patterns to step-ups like eCBSV or document verification — minimizing the need for manual review.
Surface synthetic risk early and continuously monitor accounts to prevent fraud from entering or remaining in your portfolio.
4 of the top 5 banks, 250+ of the largest fintechs, 7 of the top 10 credit card issuers, and 3 of the top MSBs.
Key benefits
Outcomes that improve synthetic fraud detection and customer conversion.
Approve more good customers.
Approve more good customers.
Distinguish real people, including thin-file and new-to-country consumers, from synthetic identities with greater accuracy.
Detect more synthetic fraud.
Detect more synthetic fraud.
Identify fabricated and manipulated identities at onboarding to reduce large, future fraud or charge-offs due to hidden bad credit.
Reduce manual reviews with targeted step-ups.
Reduce manual reviews with targeted step-ups.
Use model-driven risk segmentation to minimize unnecessary friction, and trigger KYC, eCBSV, or document verification only for high-risk identities.
Improve operational efficiency.
Improve operational efficiency.
Assess existing accounts to identify any that have become risky after onboarding.
Introducing V5
Sigma Synthetic V5 is Socure’s latest generation of AI-driven models purpose-built to detect synthetic identity fraud at scale.
Transformer-based architecture
Replaces tree-based models with a proprietary, fraud-specific transformer that evaluates all signals simultaneously using self-attention, learning from billions of identity records and adapting through transfer learning.
Customer Benefit: Detects complex, evolving fraud patterns earlier and more accurately, closing the detection gap that legacy models cannot overcome.
Contextual signal evaluation
V5 creates multi-dimensional representations, called embeddings, of identities, learning the true structure of identity from billions of records before any fraud labels are even applied.
Customer Benefit: More consistent, accurate decisions, especially in low-signal or ambiguous cases, reducing false positives while catching more synthetic fraud.
Graph-powered synthetic detection
V5 integrates with the Socure Identity Graph and utilizes new anomaly detectors to find hidden statistical patterns in SSNs and relational webs that are invisible in individual records.
Customer Benefit: Graph connections and behaviors expose synthetic fraudsters building up and expanding across related identities—breaking the credibility they’ve built and stopping them before they strike.
Continuous learning engine
Uses autonomous agents, continuous feedback loops, and real-time retraining to continuously update models, features, and defenses.
Customer Benefit: Performance improves continuously without manual intervention, keeping you ahead of evolving fraud without costly re-integration or retraining cycles.
Strengthened explainability
New indicators that categorize different types of Synthetic identities, providing rich explainability.
Customer Benefit: Minimize and accelerate manual reviews with a clear taxonomy of patterns and improve your own synthetic labels to optimize your strategies and decisions.
The trusted solution for real-time synthetic identity fraud detection
Whether onboarding new users or evaluating existing accounts, Sigma Synthetic V5 helps you detect synthetic risk early, make confident decisions, and apply verification only where necessary—without adding friction for legitimate customers.
Let us prove it.
See how you can detect synthetic identities earlier, improve approvals, and reduce operational burden with Sigma Synthetic V5. Speak with a digital fraud expert to learn more.