LexisNexis® ID Compass Platform

Say “yes” with confidence
Seamlessly respond to digital
identity risk while staying focusedon the customer experience.

Accelerate the identification of valuable
customers and prevent fraud with amulti-layered, risk-mitigation approachWith the rise of digital transformations, theinsurance environment has changed morein the last decade than in the decades prior.
Now, insurers must keep up with advancesin technology, meet evolving consumer
expectations and navigate new distribution
channels, all while defending themselves andtheir customers from cybercriminals andfraudsters. Additionally, carriers are challenged
to provide a quality customer experience while
adding the right amount of friction to prevent
fraud. Today’s “post-breach” world means
insurance carriers can no longer rely on legacy
approaches to ensure data security.
At LexisNexis® Risk Solutions, we use the powerof data and advanced analytics to help insurers
make better, timelier decisions in a world filledwith hidden risks. Effective risk management
begins the moment a proposed insured appears
on your radar—online or offline. Are there
discrepancies on the application? Do all thecomponents fit together? Is the proposed
insured even a real person? Insurers need moresophisticated, layered approaches to dealing
with these types of challenges.
An effective Identity Access Management (IAM)
program is key to managing digital identity
risk, combatting cyber fraud and balancing
both customer expectations and experiences.
The LexisNexis® ID Compass Platform provides
identity verification, authentication, and risk
management. With access to accurate dataat the right time, carriers can say “yes” withconfidence, and fast track the right transactions
for an improved customer experience.

2LexisNexis® ID Compass Platform

Identity Access Management Products
LexisNexis® ThreatMetrix® leverages
unique ThreatMetrix IDTM technology toconnect the dots between the myriad pieces
of information an individual creates as he or
she transacts online, then develops a unique
digital identifier for that individual―allowing
you to recognize good, returning customers
and prevent account takeover. By bringing
digital identity intelligence to life, the solution
helps carriers elevate fraud and identificationdecisions from a device to a user level,
while uniting offline behavior with online
intelligence. With deep insight into 1.4 billion
anonymized user identities, ThreatMetrix ID
delivers the intelligence behind 75 million
daily authentication and trust decisions
to differentiate legitimate customers fromfraudsters in real time. Customers report a60-90% reduction in online fraud and70% reduction in interdiction rates.
^Based on customer data

Identity Fraud Statsconsumers were the victims of49 Million
identity fraud in 2020
1Fraud losses grew 15 percent in 2019 to$16.9 billion

2

 ource: https://www.cnbc.com/2021/03/23/consumers-lost-56-billion-dollarsS
to-identity-fraud-last-year.html
2Source: The 2020 Identity Fraud Report, Javelin Strategy & Research1LexisNexis® Emailage® reimagines fraud
detection by using email intelligence as a corerisk identifier, bringing together physicaldata, digital data and dynamic fraud signals
to create a holistic view of who is reallybehind a transaction. By returning overallrisk and confidence scores, along withmetadata points such as email and domain
details and other personally identifiable
information (PII), Emailage helps you better
identify cybercriminals, prevent fraudulent
transactions and provide a positive, frictionlessexperience to trusted customers.
LexisNexis® InstantID® combs throughbillions of public records to instantly verify
consumer identities, spot potential fraud
and identify theft, and automatically flag
discrepancies in applications. By combining
verification, validation and risk detection
processes, InstantID delivers the reliable
information carriers need to help reduce
errors, processing time and fraudulent activity.
Identity verification through InstantID allows
you to better manage identity-related expenses,
make more informed workflow management
decisions and ensure application accuracy.
LexisNexis® Phone Finder combines
authoritative phone data and extensive
dynamic phone metadata with one of theindustry’s largest repository of identity
information to deliver relevant, rank-orderedconnections between phones and identities.

Along with high quality metadata such as line
type, carrier details, active status, Porting andSpoofing, Phone Finder returns configurable
risk indicators that can be completely
customized to business-specific risk thresholds
to further streamline key decisioning process
and authentication workflows.
LexisNexis® One-Time Password offers atime-sensitive, unique random passcode via
SMS message, email or voice call and is ideal
for companies that are interested in providing
a multi-factor authentication solution for theircustomers. No hardware (electronic fob, etc.)
other than the user’s existing phone or personal
computer is required. This easy-to-use, easy-toimplement solution for authenticating remoteusers can be implemented with minimumdisruption and cost, while at the same time
protecting your system against identity theft,weak passwords, password reuse and sessionbased attacks.
LexisNexis® InstantID® Q&A is a real-time,interactive knowledge-based tool that provides
further verification that a customer is who he/she claims to be. Using more than 30 years of
unique identifiers, InstantID Q&A generates amultiple-choice questionnaire based on robust
data sources. This versatile authentication
solution offers single sign-on for thoseorganizations with large call centers. It canalso be integrated into your system to be usedonline, in-person and via a mobile phone.

Insurance carriers need a multi-layered solution in place across a wide variety of access points
to provide appropriate protection for their businesses and their customers.

LexisNexis®
ThreatMetrix®

LexisNexis®
Emailage®

LexisNexis®
InstantID®

LexisNexis®
Phone Finder

LexisNexis®
One-Time Password

LexisNexis®
InstantID® Q&A

Near real-time
analysis of millions oftransactions acrossbillions of devices

Digital insights withemail at the core

Instant andcomplete identity
verification

Relevant, rankordered-connections
between phones
and identities

Easy-to-use
authentication code
sent to a device in theconsumer’s possession

Additional layerof interactive,knowledge-basedauthentication

Say Yes with Confidence
LexisNexis® ID Compass Platform

3

For more information, call 800.869.0751

About LexisNexis Risk Solutions
LexisNexis® Risk Solutions harnesses the power of data and advanced analytics to provide insights that help businesses and governmental
entities reduce risk and improve decisions to benefit people around the globe. We provide data and technology solutions for a wide range
of industries including insurance, financial services, healthcare and government. Headquartered in metro Atlanta, Georgia, we have offices
throughout the world and are part of RELX (LSE: REL/NYSE: RELX), a global provider of information-based analytics and decision tools for
professional and business customers. For more information, please visit www.risk.lexisnexis.com and www.relx.com.

The InstantID®, InstantID® Q&A, Phone Finder, One-Time Password, Emailage and ThreatMetrix® services are not provided by “consumer reporting agencies,” as that term is defined in theFair Credit Reporting Act (15 U.S.C. § 1681, et seq.) (“FCRA”) and do not constitute “consumer reports,” as that term is defined in the FCRA. Accordingly, the InstantID, InstantID Q&A, Phone
Finder, One Time Password, and ThreatMetrix services may not be used in whole or in part as a factor in determining eligibility for credit, insurance, employment or another purposein connection with which a consumer report may be used under the FCRA. Due to the nature of the origin of public record information, the public records and commercially available
data sources used in reports may contain errors. LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc., used under license. InstantID is a registered trademarkof LexisNexis Risk Solutions FL Inc. ThreatMetrix is a registered trademark of ThreatMetrix, Inc. ThreatMetrix ID is a trademark of ThreatMetrix, Inc. Copyright © 2021 LexisNexis RiskSolutions. All rights reserved. NXR15130-00-0921-EN-US