Sumsub Launches Fraud Prevention Starter Kit

Sumsub has launched its Fraud Prevention Starter Kit, a ready-made system for assessing fraud risk during customer onboarding. The AI-powered compliance infrastructure provider announced the product to address the gap where companies are expanding faster than their internal fraud controls.

The launch follows internal data from Sumsub showing a change in fraud patterns over the past year. The global identity fraud rate declined from 2.6% to 2.2%. However, sophisticated attacks that combine multiple techniques within a single verification attempt surged by 180%. Fraud is increasingly a problem of quality, not only volume, with successful attempts often passing identity checks to establish fake accounts, mule accounts, or through multi-accounting.

The Core Function

The kit analyzes signals already present during a user's onboarding process to generate a single risk level for each applicant. It then attaches a clear next step: approve, step up, review, or block. This is intended to replace the traditional, lengthy process of building a fraud function from scratch, which can take months of design and require specialized staff.

"Nobody gets to choose when fraud shows up." said Andrew Novoselsky, Chief Product Officer at Sumsub.

How It Assesses Risk

The system collects and enriches contextual data available at the point of onboarding. This includes a user's email and digital footprint, phone risk, IP and network indicators, and device intelligence. It also checks for identifiers repeated across different applicants and use confirmed fraud feedback and blocklists.

These signals are fed into a pre-built risk matrix that evaluates several key areas. The system weighs individual risk factors, performs cross-consistency checks, analyzes device and network intelligence, maps connections between applicants, and scans for known fraud patterns. The final output categorizes an applicant as low, medium, or high risk.

A Flexible Starting Point

Sumsub positions the product as a foundational tool, not a final solution. Companies begin with the predefined logic but can then adapt rules, thresholds, and workflows as their fraud operations mature and become more sophisticated. For businesses that already have a fraud function in place, the Starter Kit is designed to contribute additional onboarding signals and applicant context to enhance existing decision-making processes.

Novoselsky emphasized the urgency behind the product's design. "The Starter Kit gives a team a working fraud decision on day one and something concrete to improve on from there, which matters because the applicant you approve today is the account someone else's stolen money moves through tomorrow."

The Fraud Prevention Starter Kit is currently entering a closed launch phase.