Plaid Protect brings together two powerful components: ML-powered risk scores and fraud attributes with an intuitive dashboard built for fraud operations. The Trust Index is built on Network intelligence (Behavioral insights and attributes from interactions across a billion devices with thousands of apps, capturing behaviors like high-velocity account linking, frequent login failures, and deleted financial connections), bank account risk (With hundreds of millions of accounts that have connected to Plaid, we can see key changes to the connected financial account, whether they were recently opened or closed, or if contact details like phone numbers and emails show suspicious alterations), consortium feedback (Surfacing real-time fraud alerts contributed by other businesses and consumers - for example, account takeover flags from banks or synthetic identity detections from lenders), Advanced Identity Intelligence: Any and all fraud signals captured during the ID verification stage are included as part of the risk analysis and help inform other data categories.