Email Risk Scoring

What is Email risk Scoring?

Email Risk Scoring or Email Risk Assessment uses data, such as name matching, email address validity, and validating social media profiles to make better decisions about accepting orders. You can also check whether a particular email address is on a blacklist for fraudulent transactions.

How is Email Risk Scoring conducted?

Email addresses may be extremely useful in the identification and prevention of fraud. Email addresses are commonly used for online activities ranging from opening bank accounts and filling out credit card applications to creating social media profiles and making transactions of any kind. Giving an email address has become a standard component of the purchasing procedure.

Personal vs. Business Emails

Personal emails, in particular, are the obvious first-line of defence against fraud. The great majority of individuals use personal email accounts for personal purposes such as online shopping, whereas corporate email addresses are reserved for work-related purposes.

Most individuals seldom change their personal email addresses, as opposed to their professional emails, which change whenever they start a new job, or their home addresses, which change whenever they move. The long-term usage of those personal emails contributes to their usefulness as identifiers.

Patterns of Behavior

Email addresses provide a wealth of behavioural and historical information that is ideal for fraud detection and prevention. Anybody who uses an email account leaves a trail. These traces reflect behavioural trends across time, which may be used to estimate transaction risk.

Many fraud detection programmes merely look at normal transaction data like a person’s name or address. They are simple to deceive, reverse-engineer, adapt, and innovate around for fraudsters. Yet, fraudsters utilise email addresses in ways that fall into recognised patterns based on velocity and structure.

Why do You Need Email Risk Assessment for Fraud Detection?

The more data you have on your users, the better in the field of fraud detection. This is why, in order to make educated management decisions, you must focus on every potential data point.

Here are some ways that email risk assessment might benefit your business:

  • Minimize chargebacks by blocking fraudsters before they buy products and services on your website using stolen credit card information.
  • Safeguard your users: is someone in your system altering their email address? It might be a scammer attempting an ATO attack or account takeover. If the email address seems questionable, you can flag it.
  • Reduce bonus abuse: are your promotional coupons and referral programmes for new signups being abused by too many negative users?It’s time to put an end to it at the registration stage.
  • Ban phoney users: rogue agents who try to register on your site using fake IDs and synthetic IDs (a combination of false and real user data) will be denied.
  • Enhance your KYC verification process: the information you acquire from an email address may help you do better KYC checks, which can help you avoid regulatory fines and guarantee easier management.

The crucial lesson here is that the sooner you identify and stop fraudsters, the less harm they may do to your firm.


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