(Please note that all PII shown in this document is fictitious and for demonstration purposes only.)
TABLE OF CONTENTS
The Evaluation Summary Page
The Evaluation Summary page contains information and data about the entity and the evaluation. To learn more about the terms used in this guide, please refer to our content on Frequently Used Alloy Terms.
This table includes the data sources verifying each piece of the applicant’s information.
Matched data sources are in green and non-matched in gray (shown below). This section shows if a data source could match that element, such as address, to the entity.
Please note that whether a piece of data is matched may or may not be connected to the reason an evaluation was decisioned to Manual Review, Denied, or Approved. For that reasoning, see the Tags section.
To understand rules triggered by this evaluation and additional information, look at the “Tags” section:
Some of the tags returned will indicate why the evaluation is in the Manual Review state. Other tags that are returned may not be part of the decision, but are pieces of information about this evaluation.
The key to understanding the returned tags and which ones are used in decisioning is in knowing the workflow, the outcomes, and the rules that drive those outcomes. The workflow used to decision the entity can be viewed by clicking on the workflow name (see screenshot below). The rules of the workflow can be viewed by clicking on the workflow name.
Fraud Scores are listed in the Diligence Section:
See below for the ranges of the scores and the fraud risk they represent. These scores reflect the thresholds where the data sources see risk, and not necessarily the rules in the workflow. To see how the scores affect the outcome, refer to the workflow.
Socure Sigma Score
Range: 0 - 1
0.97 - 0.985: orange, medium to medium-high fraud risk
0.985 and above: red, high fraud risk
0.990: bright red, very high fraud risk, represents top 1% of riskiest applicants
ID Analytics ID Score
Range: 0 - 1000
0 - 500: green, low fraud risk
500 - 700: light to bright yellow, not worth decisioning on - a signal but not enough in and of itself, low-medium fraud risk
700 - 850: orange, highly questionable - medium-high fraud risk
850 and above: red, high fraud risk
950 and above: bright red, very high fraud risk
Returned Reason Codes
The Returned Reason Codes table displays the reason codes returned whether or not they were used in decisioning:
The Data Sources table displays the data sources used to decision on the applicant.
A data source paired with a green circle and white checkmark (e.g ID Analytics ID Score) indicates that the data source was executed. A data source that failed to execute is paired with a gray circle and white minus symbol (e.g QualiFile).
In the event of a service failure, an icon will be paired with the data source. When this occurs, Alloy recommends that the evaluation is rerun.