Synthetic identities don't ask for trust. They already have it. Fraudsters no longer build fake identities just to max out credit lines and disappear. Today, synthetic identities are fraud infrastructure assets designed to move freely after onboarding and extract value over time. The challenge they pose has shifted from identity verification and authentication to transaction trust evaluation.
In the US alone, lenders faced $2.4 billion in exposure to synthetic identities at the end of June 2026. Yet 53% of business leaders said synthetic identity fraud is the fraud type they feel least prepared to manage — while 65% expected it to grow over the next two years. The gap between exposure and preparedness will lead to more exposure and losses if unaddressed.
What this guide covers
The New Plan to Combat Synthetic Identity Fraud: Establish Trust Continuously is built for fraud, identity and credit risk leaders who need to re-evaluate not just how identity is verified but how trust is granted. It provides a clearer view of where synthetic exposure hides across the customer lifecycle and how to better detect and
mitigate it.
Rethinking trust as something earned continuously
Point-in-time verification was built for a threat that no longer behaves predictably. Synthetic identities pass onboarding, then spend months building payment behavior, account history and credibility before they're monetized. Download the guide to learn:
- Why synthetic identity fraud has shifted from an application fraud problem to a trust problem spanning the full customer lifecycle
- How synthetic identities function as infrastructure for industrialized fraud, built and scaled with AI
- How fraudsters manipulate dispute processes like credit washing to erase risk signals from a file, and downstream consequences
- What changes operationally when organizations connect identity, device, behavioral and network intelligence to establish trust continuously
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