This supplementary OIX guide explores the use of “shared signals” to support:

• Identified Fraud Outcome Sharing and,
• Shared Fraud Indicators.

The guide starts by defining a set of principles for Shared Signals. These principles were then applied in the formation of the other sections of this guide. Implementors should consider these principles when creating shared signals infrastructures.

It goes on to define the different types of signals that should be considered, categorising these into proactive and reactive signals. To be successful in preventing fraud, as opposed to just identifying and recording fraud, ecosystems must implement both reactive and proactive signals.

A set of possible signals are listed in the guide. These align with the fraud control types defined in the overarching OIX Guide to Fraud Controls. What information should be shared is identified, and actions to be taken when a signal is received are recommended.

To cater for the fact that fraudsters play a long game, some signals need to be persisted so that new and updated identity accounts can be checked against them. Different options for persistence, and their pros and cons, are explored.

Finally, this guide explores how shared signals interleave with the broader fraud management process. Signals are not the only weapon in the battle against fraudsters, they must be run alongside. and integrated with, the rest of the fraud controls that are in play.

THIS IS A CONTROLLED ACCESS DOCUMENT

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