Individual fraud check

{
  "first_name": "John",
  "last_name": "Doe",
  "date_of_birth": "1980-01-01",
  "gender": "male",
  "country": "Nigeria",
  "current_address": "12 Ojuelegba St",
  "duration_of_stay": "5 years",
  "identification_type": "Passport",
  "identification_number": "A123456789",
  "bvn": "12345678901",
  "phone_number": "+2349105678901",
  "email_address": "john.doe@example.com",
  "employment_type": "Full-time",
  "job_role": "Engineer",
  "employer_name": "Smartcomply",
  "employer_address": "47 Karimu Ikotun Cl, Yaba, Lagos",
  "annual_income": 350000,
  "employment_duration": "2 years",
  "loan_amount_requested": 100000,
  "purpose_of_loan": "Personal Development",
  "loan_repayment_duration_type": "weeks",
  "loan_repayment_duration_value": 7,
  "collateral_required": false,
  "collateral": "Car",
  "is_individual": true,
  "run_aml_check": true,
}

{
    "status": "success",
    "data": [
        {
            "id": 53,
            "is_internal_blacklisted": false,
            "is_blacklisted_by": null,
            "first_name": "Eric",
            "last_name": "Alaribe",
            "other_name": "",
            "business_name": null,
            "date_of_birth": "2002-10-10",
            "gender": "male",
            "country": "Nigeria",
            "city": null,
            "current_address": "Enugu",
            "duration_of_stay": "1 year",
            "business_address": null,
            "identification_type": "NIN",
            "identification_number": "1234567890",
            "bvn": "22530751670",
            "rc_number": null,
            "phone_number": "+2347038972891",
            "email_address": "ericalaribe@mail.com",
            "employment_type": "employed",
            "job_role": "Backend Developer",
            "employer_name": "Smartcomply",
            "employer_address": "1 Yaba, Lagos",
            "annual_income": "350000.00",
            "annual_revenue": null,
            "employment_duration": "2 months",
            "loan_amount_requested": "100000.00",
            "purpose_of_loan": null,
            "loan_repayment_duration_type": "weeks",
            "loan_repayment_duration_value": 7,
            "collateral_required": false,
            "collateral": null,
            "collateral_value": null,
            "proof_of_identity": null,
            "proof_of_address": null,
            "proof_of_income": null,
            "business_plan": null,
            "financial_statement": null,
            "fraud_risk_score": 80,
            "recommendation": "Total fraud risk score of 80 indicates a high risk of fraudulent activity associated with the loan application.",
            "observations": {
                "debt_servicing": "Monthly repayment of ₦64,000.00 exceeds monthly income of ₦29,166.67, indicating severely limited debt serviceability.",
                "income_stability": "Monthly income of ₦29,166.67, based on estimated data, may not accurately reflect true income stability   Disposable ratio of 20% indicates a relatively small buffer for unexpected expenses or income fluctuations.",
                "repayment_duration": "Repayment duration of 7 weeks for a ₦100,000.00 loan requires a very aggressive repayment schedule   Equivalent to 1.75 months, the short duration necessitates high weekly payments.",
                "collateral_coverage": "Collateral Value of ₦0 provides no coverage for a Loan Amount of ₦100,000.00.",
                "debt_to_income_ratio": "Debt Service Ratio of 219.43 significantly exceeds the threshold of 11."
            },
            "key_financial_analysis": {
                "income_stability": {
                    "risk_score": 100,
                    "data_source": "submitted data (estimated)",
                    "observation": "Monthly income of ₦29,166.67, based on estimated data, may not accurately reflect true income stability   Disposable ratio of 20% indicates a relatively small buffer for unexpected expenses or income fluctuations.",
                    "monthly_income": "29166.67",
                    "monthly_expenses": "23333.33",
                    "disposable_income": "5833.33"
                },
                "repayment_duration": {
                    "risk_score": 70,
                    "observation": "Repayment duration of 7 weeks for a ₦100,000.00 loan requires a very aggressive repayment schedule   Equivalent to 1.75 months, the short duration necessitates high weekly payments.",
                    "repayment_duration": "Within 1.75 months"
                },
                "collateral_coverage": {
                    "risk_score": 80,
                    "loan_amount": "100000.00",
                    "observation": "Collateral Value of ₦0 provides no coverage for a Loan Amount of ₦100,000.00.",
                    "collateral_value": "0.00",
                    "loan_to_collateral_ratio": "0.00%"
                },
                "debt_serviceability": {
                    "risk_score": 60,
                    "loan_amount": "100000.00",
                    "observation": "Monthly repayment of ₦64,000.00 exceeds monthly income of ₦29,166.67, indicating severely limited debt serviceability.",
                    "total_repayment": "112000.00",
                    "monthly_repayment": "64000.00"
                },
                "debt_to_income_ratio": {
                    "risk_score": 90,
                    "observation": "Debt Service Ratio of 219.43 significantly exceeds the threshold of 11.",
                    "debt_service_ratio": "219.43%"
                }
            },
            "history": {
                "total_overdue": 0,
                "total_borrowed": 0,
                "total_no_of_loans": 0,
                "total_outstanding": 0,
                "highest_loan_amount": null,
                "total_no_of_active_loans": 0,
                "total_no_of_closed_loans": 0,
                "total_no_of_institutions": 0,
                "total_monthly_installment": 0,
                "total_no_of_performing_loans": 0,
                "total_no_of_delinquent_facilities": 0
            },
            "is_api": true,
            "is_individual": true,
            "is_business": false,
            "status": "reviewed",
            "run_aml_check": false,
            "is_blacklisted": false,
            "date_created": "2025-06-23T11:07:19.214089Z",
            "date_updated": "2025-06-23T11:07:23.121276Z",
            "branch": 2,
            "aml_data": null,
            "credit_report_data": 1247
        },
        {
            "id": 52,
            "is_internal_blacklisted": false,
            "is_blacklisted_by": null,
            "first_name": "Eric",
            "last_name": "Alaribe",
            "other_name": "",
            "business_name": null,
            "date_of_birth": "2002-10-10",
            "gender": "male",
            "country": "Nigeria",
            "city": null,
            "current_address": "Enugu",
            "duration_of_stay": "1 year",
            "business_address": null,
            "identification_type": "NIN",
            "identification_number": "1234567890",
            "bvn": "22530751670",
            "rc_number": null,
            "phone_number": "+2347038972891",
            "email_address": "ericalaribe@mail.com",
            "employment_type": "employed",
            "job_role": "Backend Developer",
            "employer_name": "Smartcomply",
            "employer_address": "1 Yaba, Lagos",
            "annual_income": "350000.00",
            "annual_revenue": null,
            "employment_duration": "2 months",
            "loan_amount_requested": "100000.00",
            "purpose_of_loan": null,
            "loan_repayment_duration_type": "weeks",
            "loan_repayment_duration_value": 7,
            "collateral_required": false,
            "collateral": null,
            "collateral_value": null,
            "proof_of_identity": null,
            "proof_of_address": null,
            "proof_of_income": null,
            "business_plan": null,
            "financial_statement": null,
            "fraud_risk_score": 80,
            "recommendation": "Total fraud risk score of 80 indicates a high risk associated with the applicant   Loan amount of ₦100,000 may be too high given the applicant's risk profile.",
            "observations": {
                "debt_servicing": "Monthly repayment of ₦64,000.00 exceeds monthly income of ₦29,166.67, indicating severely constrained debt serviceability.",
                "income_stability": "Monthly income of ₦29,166.67 against monthly expenses of ₦23,333.33 results in a disposable income of ₦5,833.33   Disposable ratio of 20% suggests a limited buffer for unexpected expenses or income fluctuations   Data source being \"submitted data (estimated)\" introduces uncertainty regarding the reliability of income and expense figures.",
                "repayment_duration": "Repayment duration of 7 weeks for a ₦100,000.00 loan requires rapid repayment.",
                "collateral_coverage": "Collateral Value of ₦0 provides no coverage for a Loan Amount of ₦100,000.00.",
                "debt_to_income_ratio": "Debt Service Ratio of 219.43 significantly exceeds the threshold of 11."
            },
            "key_financial_analysis": {
                "income_stability": {
                    "risk_score": 100,
                    "data_source": "submitted data (estimated)",
                    "observation": "Monthly income of ₦29,166.67 against monthly expenses of ₦23,333.33 results in a disposable income of ₦5,833.33   Disposable ratio of 20% suggests a limited buffer for unexpected expenses or income fluctuations   Data source being \"submitted data (estimated)\" introduces uncertainty regarding the reliability of income and expense figures.",
                    "monthly_income": "29166.67",
                    "monthly_expenses": "23333.33",
                    "disposable_income": "5833.33"
                },
                "repayment_duration": {
                    "risk_score": 70,
                    "observation": "Repayment duration of 7 weeks for a ₦100,000.00 loan requires rapid repayment.",
                    "repayment_duration": "Within 1.75 months"
                },
                "collateral_coverage": {
                    "risk_score": 80,
                    "loan_amount": "100000.00",
                    "observation": "Collateral Value of ₦0 provides no coverage for a Loan Amount of ₦100,000.00.",
                    "collateral_value": "0.00",
                    "loan_to_collateral_ratio": "0.00%"
                },
                "debt_serviceability": {
                    "risk_score": 60,
                    "loan_amount": "100000.00",
                    "observation": "Monthly repayment of ₦64,000.00 exceeds monthly income of ₦29,166.67, indicating severely constrained debt serviceability.",
                    "total_repayment": "112000.00",
                    "monthly_repayment": "64000.00"
                },
                "debt_to_income_ratio": {
                    "risk_score": 90,
                    "observation": "Debt Service Ratio of 219.43 significantly exceeds the threshold of 11.",
                    "debt_service_ratio": "219.43%"
                }
            },
            "history": {
                "totalOverdue": 0,
                "totalBorrowed": 0,
                "totalNoOfLoans": 0,
                "totalOutstanding": 0,
                "highestLoanAmount": null,
                "totalNoOfActiveLoans": 0,
                "totalNoOfClosedLoans": 0,
                "totalNoOfInstitutions": 0,
                "totalMonthlyInstallment": 0,
                "totalNoOfPerformingLoans": 0,
                "totalNoOfDelinquentFacilities": 0
            },
            "is_api": true,
            "is_individual": true,
            "is_business": false,
            "status": "reviewed",
            "run_aml_check": false,
            "is_blacklisted": false,
            "date_created": "2025-06-23T08:58:45.012136Z",
            "date_updated": "2025-06-23T08:58:49.415468Z",
            "branch": 2,
            "aml_data": null,
            "credit_report_data": 1247
        }
    ],
    "message": "Loan fraud checks retrieved successfully"
}