What is Synthetic Identity Fraud?

Synthetic identity fraud occurs when fraudsters manufacture a new persona by mixing real data points (often a structurally valid SA ID number) with fabricated details (fake names, addresses). The identity appears real enough to pass basic automated checks but belongs to no actual person.

Key Validation Checks to Combat Synthesis

To defeat synthetic fraud, you must move beyond structural validation to verification against official sources.

• Structural Validation (Luhn Check): Confirms the ID number is mathematically sound—your essential first step.
• Cross-Reference Data Matching: Compares the provided name and surname against the verified ID number. If the name is fabricated, this step will flag it.
• Liveness Checks: Confirms the document being presented is a 'live' card and not a static image or a digital forgery.