Identity Exchange

• Consumer credit bureau data (~31 million Canadians)
• Inquiry logs
• Application fraud data
• Consortium fraud data

Our comprehensive data assets are combined with product application data shared by Identity Exchange subscribers.

Identity Exchange proactively assesses multiple aspects of an identity, analyzing against millions of data points, such as credit bureau data as well as the unique behaviours of an individual.

Identity Exchange considers activity that is uncharacteristic for an individual (e.g., applying for 10 credit cards in 48 hours) to help you drive better decisions for your business.

Identities are verified using advanced analytics; each model quantifies an aspect of fraudulent activity or trustworthiness. When combined, they help capture fraud and reduce false positives:

• Over 360 fraud-specific attributes
• Predictive real-time analytics
• Ensemble models* and reason codes

• Identity score of 1 (low risk) to 999 (high risk)

Identity Exchange produces an identity score that signifies the level of risk. Reason codes will be available soon to provide additional insight.