Trulioo Combined Identity Verify And Fraud Risk Decision

arazzo: 1.0.1
info:
  title: Trulioo Combined Identity Verify And Fraud Risk Decision
  summary: Run a KYC identity verification and a Person Fraud risk check on the same person for a layered decision.
  description: >-
    A robust onboarding decision layers a deterministic identity match with a
    probabilistic fraud verdict. This workflow first verifies the person's
    identity (KYC) and, on a successful submission, runs a Person Fraud risk
    check on the same identity payload, returning both the record status and the
    fraud verdict so the caller can make a combined accept/review/decline
    decision. Every step spells out its request inline so the flow can be read and
    executed without opening the underlying OpenAPI description.
  version: 1.0.0
sourceDescriptions:
- name: personFraudApi
  url: ../openapi/trulioo-person-fraud-api-openapi.yml
  type: openapi
- name: verificationsApi
  url: ../openapi/trulioo-verifications-api-openapi.yml
  type: openapi
workflows:
- workflowId: identity-and-fraud-risk-decision
  summary: Verify identity, then risk-score the same person for a layered decision.
  description: >-
    Performs a KYC Verify and a Person Fraud risk check on the same identity,
    returning the record status alongside the fraud verdict.
  inputs:
    type: object
    required:
    - identityConfigurationName
    - fraudConfigurationName
    - countryCode
    - identityDataFields
    - fraudDataFields
    properties:
      identityConfigurationName:
        type: string
        description: Configured product name for the identity verification.
      fraudConfigurationName:
        type: string
        description: Configured product name for the Person Fraud check.
      countryCode:
        type: string
        description: Two-letter ISO 3166 country code.
      identityDataFields:
        type: object
        description: DataFields block for the identity Verify.
      fraudDataFields:
        type: object
        description: DataFields block for the Person Fraud check.
  steps:
  - stepId: verifyIdentity
    description: >-
      Run the KYC identity verification for the person and capture the record
      status.
    operationId: verifyPerson
    requestBody:
      contentType: application/json
      payload:
        AcceptTruliooTermsAndConditions: true
        ConfigurationName: $inputs.identityConfigurationName
        CountryCode: $inputs.countryCode
        DataFields: $inputs.identityDataFields
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      transactionRecordId: $response.body#/Record/TransactionRecordID
      recordStatus: $response.body#/Record/RecordStatus
  - stepId: riskCheck
    description: >-
      Run the Person Fraud risk check on the same person and capture the verdict
      and score.
    operationId: personFraudCheck
    requestBody:
      contentType: application/json
      payload:
        AcceptTruliooTermsAndConditions: true
        ConfigurationName: $inputs.fraudConfigurationName
        CountryCode: $inputs.countryCode
        DataFields: $inputs.fraudDataFields
    successCriteria:
    - condition: $statusCode == 200
    outputs:
      riskScore: $response.body#/RiskScore
      riskVerdict: $response.body#/RiskVerdict
      reasons: $response.body#/Reasons
  outputs:
    recordStatus: $steps.verifyIdentity.outputs.recordStatus
    transactionRecordId: $steps.verifyIdentity.outputs.transactionRecordId
    riskVerdict: $steps.riskCheck.outputs.riskVerdict
    riskScore: $steps.riskCheck.outputs.riskScore