The five shapes of synthetic identity in India
Synthetic identity is not one document trick. Five operating patterns explain why valid records can still resolve to the wrong economic actor.
Research for the people who own the loss.
Engineering notes and risk methods for testing the actor behind a financial application.
Published research
Threat models, constructed cases and evaluation methods for risk, fraud and engineering teams working on application-time identity controls.
Why a hollow identity passes every KYC check
Every field can return valid while the application still lacks evidence that one independent person controls the account.
Where mule detection sits in the timeline
Mule detection and personhood scoring observe different moments. The useful design connects them without pretending that one replaces the other.
How to run a retrospective fraud backtest on your own book
A useful backtest reconstructs what was knowable at the original decision, then measures how well the ranking fits an actual review queue.