Thomson Reuters CLEAR Risk Inform provides identity and background verification insights by surfacing potential red flags related to individuals or businesses. These Risk Inform flags help detect signs of fraud, synthetic identities, high-risk behaviors, and potential criminal associations.
This information is used to enhance risk assessment during loan origination, underwriting, KYC (Know Your Customer), and compliance workflows.
Each flag falls into a broader category — such as address risk, identity anomalies, criminal activity, or financial/legal concerns — and is based on verified public data, court records, government watchlists, and other sources.
How to Use This Reference
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Use this guide to understand the meaning and classification of each Risk Inform flag.
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Flags are grouped into 5 categories:
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Address Flags
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Synthetic Identity Flags
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Criminal Subtypes
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Other Flag Types
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Business Flag Subtypes
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These flags may be returned as part of a CLEAR Risk Inform Search and should be interpreted in the context of the overall applicant profile.
Address Flags
These flags indicate that an individual’s listed address may be associated with unusual or high-risk locations such as correctional facilities, mail drops, or commercial services.
Synthetic Identity Flags
These flags may indicate synthetic or fabricated identities created using false or incomplete personal information. They are useful for detecting potential fraud.
Criminal Subtypes
These flags identify potential criminal history categorized into specific offense types. They support background checks and compliance processes.
Other Flag Types
These miscellaneous flags highlight legal, financial, or regulatory events tied to the subject, such as lawsuits, bankruptcies, and sanction lists.
Business Flags Subtypes
These flags apply to businesses and may indicate financial distress, legal action, or ownership of high-risk assets.