(GET) Score User Risk
GET /userRisk
This endpoint evaluates the risk associated with an individual with the verified customer information that has already completed KYC. The request must include a userID and submissionID with a completed webhook. The response provides an AI model decision, relevant weight of evidence (WoE) details, and financial and credit information from our validated informational service providers.
Headers
Name
Value
API Key
Bearer <token>
API Secret
Bearer <token>
Body
Name
Type
Description
userID
string
Unique identifier for the user
submissionID
string
Unique identifier for the KYC submission and status
Response
{
"modelID": "Country_mode_number",
"decision": "approve" | "failed" | "in review", // Decision by FUAP AI model
"woe": "variable", // Weight of evidence variable
"woe_description": "string",
"riskID": "77702475-2p5394524-p924ho353245" // RiskID associates risk tier to customerID
"risk_tier": "tier 2", // Description of the WoE variable
"provider_information": { // Example payload from financial service provider
"subscriberCode": "8997779",
"subscriberName": "MOHELA",
"terms": "179"
},
{
"headerRecord": [
{
"reportDate": "062923",
"reportTime": "143911",
"preamble": "TCA7",
"versionNo": "07",
"mKeywordLength": "07",
"mKeywordText": "SBMYSQL",
"y2kReportedDate": "06292023"
}
],
"addressInformation": [
{
"city": "CALIFORNIA CITY",
"dwellingType": "A",
"firstReportedDate": "03172022",
"lastReportingSubscriberCode": "1350240",
"lastUpdatedDate": "05202022",
"source": "2",
"state": "CA",
"streetName": "LOOP",
"streetPrefix": "9817",
"streetSuffix": "BLVD",
"timesReported": "00",
"unitId": "G",
"unitType": "APT",
"zipCode": "935051352"
},
{
"city": "BURBANK",
"dwellingType": "A",
"firstReportedDate": "12182020",
"lastUpdatedDate": "03192021",
"source": "1",
"state": "CA",
"streetName": "OLIVE",
"streetPrefix": "450 E",
"streetSuffix": "AVE",
"timesReported": "00",
"unitId": "339",
"unitType": "APT",
"zipCode": "915013320"
},
{
"city": "LOS ANGELES",
"dwellingType": "S",
"firstReportedDate": "03012006",
"lastUpdatedDate": "11122020",
"source": "1",
"state": "CA",
"streetName": "CIMARRON",
"streetPrefix": "4427",
"streetSuffix": "ST",
"timesReported": "17",
"zipCode": "900621916"
}
],
"consumerIdentity": {
"name": [
{
"firstName": "LAURIE",
"surname": "ANDERSON",
"type": "N"
},
{
"firstName": "LAURIE",
"surname": "ANDERSON",
"type": "S"
},
{
"firstName": "LAURIE",
"middleName": "ANNE",
"surname": "BERTHA",
"type": "A"
},
{
"firstName": "LAURIE",
"surname": "FULLER",
"type": "A"
}
]
},
"employmentInformation": [
{
"firstReportedDate": "05282020",
"lastUpdatedDate": "05282020",
"name": "PANARAM INTERNATIONAL",
"source": "2"
},
{
"firstReportedDate": "07052015",
"lastUpdatedDate": "07052015",
"name": "RETIRED",
"source": "2"
}
],
"informationalMessage": [
{
"messageNumber": "84",
"messageNumberDetailed": "0084",
"messageText": "SSN MATCHES"
},
{
"messageNumber": "57",
"messageNumberDetailed": "0335",
"messageText": "F908TOO MANY INQUIRIES LAST 12 MONTHS"
}
],
"inquiry": [
{
"amount": "UNKNOWN",
"date": "01282023",
"subscriberCode": "3970658",
"subscriberName": "SERVICE & PROF",
"terms": "UNK",
"type": "08"
},
{
"amount": "UNKNOWN",
"date": "05132021",
"kob": "YC",
"subscriberCode": "1984208",
"subscriberName": "OTHER COLLECTION AGENC",
"terms": "UNK",
"type": "48"
},
{
"amount": "UNKNOWN",
"date": "05132021",
"kob": "YC",
"subscriberCode": "1984518",
"subscriberName": "OTHER COLLECTION AGENC",
"terms": "UNK",
"type": "48"
}
],
"ofac": {
"messageNumber": "1199",
"messageText": "OFAC SEARCH NOT PERFORMED DUE TO MISMATCHED YOB/DOB"
},
"publicRecord": [
{
"courtCode": "2001065",
"courtName": "US BKPT CT MS GULFPORT",
"ecoa": "1",
"evaluation": "N",
"filingDate": "09022020",
"referenceNumber": "0352321ERG",
"status": "15",
"statusDate": "12272020"
}
],
"riskModel": [
{
"evaluation": "P",
"modelIndicator": "F9",
"score": "0650",
"scoreFactors": [
{
"importance": "1",
"code": "40"
},
{
"importance": "2",
"code": "33"
},
{
"importance": "3",
"code": "24"
},
{
"importance": "4",
"code": "15"
},
{
"importance": "5",
"code": "08"
}
]
}
],
"tradeline": [
{
"accountNumber": "46725120705550",
"accountType": "12",
"amount1": "00003244",
"amount1Qualifier": "O",
"balanceDate": "12132021",
"delinquencies30Days": "00",
"delinquencies60Days": "00",
"delinquencies90to180Days": "00",
"derogCounter": "00",
"ecoa": "1",
"enhancedPaymentData": {
"enhancedAccountCondition": "05",
"enhancedAccountType": "12",
"enhancedPaymentHistory84": "BCCCCCCCC",
"enhancedPaymentStatus": "11",
"enhancedSpecialComment": "51",
"enhancedTerms": "117",
"enhancedTermsFrequency": "M",
"originalLoanAmount": "0000003244",
"paymentLevelDate": "12012021"
},
"evaluation": "N",
"kob": "EL",
"monthsHistory": "09",
"openDate": "12132020",
"openOrClosed": "C",
"paymentHistory": "BCCCCCCCC",
"revolvingOrInstallment": "I",
"specialComment": "28",
"status": "05",
"statusDate": "12012021",
"subscriberCode": "6908265",
"subscriberName": "MOHELA",
"terms": "117"
},
{
"accountNumber": "46725120705557",
"accountType": "12",
"amount1": "00009042",
"amount1Qualifier": "O",
"balanceAmount": "00008948",
"balanceDate": "11032022",
"delinquencies30Days": "00",
"delinquencies60Days": "00",
"delinquencies90to180Days": "00",
"derogCounter": "00",
"ecoa": "1",
"enhancedPaymentData": {
"enhancedAccountCondition": "A1",
"enhancedAccountType": "12",
"enhancedPaymentHistory84": "CCCCCCCCCCC",
"enhancedPaymentStatus": "11",
"enhancedTerms": "179",
"enhancedTermsFrequency": "M",
"originalLoanAmount": "0000009042",
"paymentLevelDate": "11012022"
},
"evaluation": "P",
"kob": "EL",
"lastPaymentDate": "10282022",
"monthlyPaymentAmount": "00000025",
"monthlyPaymentType": "S",
"monthsHistory": "11",
"openDate": "12042021",
"openOrClosed": "O",
"paymentHistory": "CCCCCCCCCCC",
"revolvingOrInstallment": "I",
"status": "11",
"statusDate": "11012022",
"subscriberCode": "8997779",
"subscriberName": "MOHELA",
"terms": "179"
},
{
"accountNumber": "5411853424",
"accountType": "07",
"amount1": "00001219",
"amount1Qualifier": "L",
"amount2": "00000618",
"amount2Qualifier": "C",
"balanceAmount": "00000000",
"balanceDate": "03282015",
"delinquencies30Days": "00",
"delinquencies60Days": "00",
"delinquencies90to180Days": "00",
"derogCounter": "00",
"ecoa": "1",
"enhancedPaymentData": {
"chargeoffAmount": "0000000618",
"creditLimitAmount": "0000001219",
"enhancedAccountCondition": "A4",
"enhancedAccountType": "07",
"enhancedPaymentHistory84": "0-------CCCCCCCCCCCCCCCCCC",
"enhancedPaymentStatus": "11",
"enhancedTerms": "REV",
"highBalanceAmount": "0000001199",
"paymentLevelDate": "03012015"
},
"evaluation": "P",
"kob": "BC",
"lastPaymentDate": "02192014",
"monthsHistory": "26",
"openDate": "03072013",
"openOrClosed": "O",
"paymentHistory": "0-------CCCCCCCCCCCCCCCCC",
"revolvingOrInstallment": "R",
"status": "11",
"statusDate": "03012015",
"subscriberCode": "2225419",
"subscriberName": "BANK CREDIT CARD",
"terms": "REV"
}
],
"endTotals": [
{
"totalSegments": "036",
"totalLength": "07160"
}
]
}Last updated