How Bureau's AI Orchestration Platform Delivers a 360° Identity View

Bureau AI-powered orchestration platform automates complex decisioning workflows, connects data, and enables flexible risk strategies.

Author

Nikitesh Soneji

See how Bureau has helped industry leaders defend against networked Industrial-scale frauds →

TABLE OF CONTENTS

High-Quality Data Verification: The Foundation of Identity Decisioning
AI-Powered Risk Scoring for Fraud Prevention and Compliance
Decisions: One Platform for All Your Needs
Integrating with Bureau: A no code solution
The Bureau Rule Engine: Customization at its Core

In a perfect world, a single document would be enough for a customer to onboard, and a simple accept/reject decision would follow. The real world, however, is far more complex. Determining a user's true intent requires analyzing hundreds, if not thousands, of variables. However, that requires time. In a world of cut-throat competition, time can play the winning hand.

How does Bureau deliver accurate decisions in milliseconds? With an orchestration platform that streamlines the flow: Data → Risk Scores → Actionable Decisions.

High-Quality Data Verification: The Foundation of Identity Decisioning

Every digital company needs data. In our context, data is the information platforms need to serve their customers better. The complexity, variety, and depth of data depend on the services offered. With varying regulations like DPDP in India, GDPR in Europe, and privacy laws in Australia, responsible data sourcing, processing, and storage are paramount. Bureau maintains full compliance with these regulations when serving its global customer base. Bureau is a SOC 2 Type2 compliant organisation. Here’s what it means for you.

The digital revolution is still relatively young. Public-facing digitisation has only been widespread for the last two decades. Even then, a lack of centralised processes meant organisations collected data for different purposes, resulting in fragmented information about individuals scattered across various databases—government sources, social media, digital apps, credit bureaus, and more.

Bureau addresses this challenge by providing:

• High-quality inputs: We consolidate fragmented data from disparate sources into high-quality inputs, cleaning and standardizing information from seemingly disconnected sources (e.g., handling variations in names or addressing inconsistencies).

• Near-zero disruptions: Automated anomaly detection and high-availability proxies (HA proxy) ensure consistent data delivery, regardless of fluctuations at our data sources or public endpoints. This provides a seamless experience, abstracting away the complexities of managing downstream dependencies.

• Comprehensive verification: Bureau performs deep verification in milliseconds, leveraging official government databases and other authoritative sources to validate identity and other critical information. This allows for a more complete and accurate picture of each customer. Importantly, these checks are often passive, meaning they happen in the background without disrupting the user experience.

• Intelligent data chaining: We go beyond basic verification by intelligently linking and correlating data points across various sources. This allows us to uncover hidden relationships and patterns, providing deeper insights into customer identities and potential risks.

AI-Powered Risk Scoring for Fraud Prevention and Compliance

The verified data is fed into our machine learning models, which analyze the information and generate risk assessments. These models consider various factors, including digital signals, empirical analysis of phone/email data, and other relevant information to provide a risk score.

Bureau Risk Score:

The risk score represents the likelihood of a given individual or entity being involved in fraudulent activity, posing a credit risk, or failing to meet compliance requirements. This score is tailored to your specific requirements, ensuring you receive a metric relevant to your business use case and industry. For example, a risk score for a financial institution will differ from one for an e-commerce platform. This risk score is powered by Bureau’s proprietary graph network.

Bureau's Graph Identity Network (GIN) is a dynamic knowledge graph that leverages the power of interconnected data to establish a global trust network. By decoding contextual linkages between identity signals, GIN provides a comprehensive view of user activity, revealing hidden patterns and potential risks. This allows us to assess the true intent behind actions and proactively mitigate fraud.

With every interaction, GIN learns and strengthens its ability to identify and prevent fraudulent activities. Backed by a vast network of over half a billion users, GIN provides unparalleled accuracy and coverage in the fight against identity fraud.

Decisions: One Platform for All Your Needs

All the above—data verification, insight generation, and risk scoring—are unified within our orchestration platform, which we call Workflows. These workflows are designed to meet your specific needs.

Workflows enable:

• Ability to gather information in a customizable onboarding flow.
• Configuration of rules based on user input, verified data, and API responses.
• Branching flows based on custom rules.
• Creating custom block/allow lists or using templated global blocklists.
• Decision-making and transparency.
• Integration of custom APIs.
• Consolidated responses containing only the required fields.

What are some pre-made workflows you can use?

• KYC Flows: KYC compliance is essential for businesses to adhere to regulations like RBI's Master Directions on KYC. Our platform supports Standard Document Verification, Selfie Face Match & Liveness Check, Global Watchlist/Blocklist Check, and more. Onboarding flows (e.g., for riders) can involve multiple stages: Phone/ID verification, Document Verification & KYC, Selfie match & liveness check, Vehicle Registration Verification, and Background Verification.

• KYB Flows: KYB is crucial for verifying the legitimacy of businesses, preventing fraud, and complying with regulations. Our platform facilitates ID Verification, Business Registration Verification, and other checks.

• Bureau Mule Score : Bureau's Mule Score identifies individuals or accounts likely to be engaged in money laundering or other illicit activities. By analyzing behavioral patterns, network connections, and 100+ other risk indicators, this score helps businesses proactively mitigate financial and reputational damage even before the damage occurs.

• Bureau TurboPass : TurboPass streamlines customer onboarding with AI-powered, no-document verification. Using a phone number, name, and selfie, TurboPass delivers instant results, reducing drop-off rates and preventing fraud.

Bureau's orchestration platform simplifies complex verification processes, bringing multiple steps and API calls into a single, easily integrated solution. While we offer standard templates, we also cater to custom orchestrations.

Integrating with Bureau: A no code solution

Integrating with Bureau's platform is designed to be as seamless as possible, regardless of your technical expertise. We provide flexible options to suit your needs, from simple no-code solutions to more advanced API integrations. We offer varying levels of integration complexity:

1. Quick Links (Simplest Integration)

Quick Links are ideal for businesses that want a fast, no-code solution. Generate links directly on the Bureau platform and share them with your customers. We handle the entire process, from input capture to image uploads, and provide transparent progress updates on the Bureau dashboard.

This eliminates the need for complex technical integrations and allows you to quickly deploy verification workflows.

We also provide a dashboard to manage the links and expire them if required.

Security with OAuth:

From a technical perspective, we leverage the OAuth (Open Authorization) flow for enhanced security. This means you don't need to share secrets or credentials in your links, protecting your resources and preventing unauthorized access.

2. API Integration (Higher Complexity)

Integrate the orchestration platform directly into your backend systems. The platform has detailed integration guidelines to help you integrate the api onto your systems. This offers the most amount of customisability at the customer's end.

The Bureau Rule Engine: Customization at its Core

Our rule engine sits atop the insights and determines whether additional data points are needed. It can make decisions on your behalf or call custom functions at your endpoints. Customization is the key differentiator here.

The Bureau team works with you to set up the rule engine and orchestration, defining data flow, verification processes, and your desired rules. This ensures the platform perfectly aligns with your specific business requirements.

The rule engine is highly customizable, supporting conditional branching within the orchestration layer. Based on verified data, you can branch a single orchestration into different flows, consolidating all your onboarding processes into one API.

A conclusive summary of your direct benefits:

• Actionable insights: We provide more than just a data dump; we deliver insights that drive decisions.
• Decision visibility: Gain clear visibility into the decision-making process.
• Bespoke solutions: Our technical expertise allows us to create tailor-made solutions for your unique challenges. We handle the technical heavy lifting, allowing you to focus on your core business.
• Accelerated customer journeys: Streamline onboarding and other critical processes, reducing friction and improving the customer experience.
• Scalability: Our platform scales with your business, accommodating growth and evolving needs.
• Comprehensive decisioning: Leverage a single platform for fraud prevention, credit, and compliance decisions.

Learn more about how Bureau's identity verification and fraud prevention solutions can help your business. Contact us today for a demo.