Why Iris - Iris

360^°

Iris^® Features

Iris^® puts your customers in control of their identity with some of the most highly demanded services via our easy-to-use online dashboard, and provides a 360^° approach to help keep your customers safe and secure in four comprehensive steps:

PROTECT

Defend personal information and secure digital profile.

DETECT

Track identity risk level and detect fraud early.

ALERT

See suspicious activity and take action immediately.

RESOLVE

Repair problems quickly and easily with help from Iris’ experts.

Protect

We specialize in creating identity protection programs that meet the unique needs of each organization, all while remaining one of the most competitively priced services on the market. Our flexible identity protection programs offer:

24/7 Expertise

U.S.-based certified identity theft Resolution Specialists who are FCRA-, CIPA-, and CTRMS-certified, as well as online resources are available 24/7 to educate users about how identity theft occurs, as well as provide tips to help them keep their identity safe.

Identity Theft Protection Kit

Iris’^®Identity Theft Protection Kit explains many forms of identity theft in addition to providing prevention advice and resolution resources. The kit also contains a Federal Trade Commission sample affidavit form as well as sample letter templates for filing disputes in cases of identity theft or fraud.

Preventative Education

Online resources to help educate users on how identity theft occurs, along with protective measures anyone can take to limit their risk.

Opt-out Services

Iris’ opt-out services help protect privacy by reducing pre-approved credit card direct mail offers and marketing phone calls that can be used by thieves to steal personal information.

Digital Privacy Protection

Iris’ Online Data Protection software provides peace of mind when browsing the Internet. This protection includes two pieces of software: DataScrambler^® (anti-keylogging) and PhishBlock^® (anti-phishing).

Monthly risk alert newsletter email

Regular communications sent to users to keep them abreast of identity-related threats that are commonly faced by today’s consumers, as well as the services and protections they can take advantage of through their identity theft protection program.

ScamAssist^TMResearch Service

If a user has received a message or offer that is either alarming or seems “too good to be true,” our ScamAssist™ Specialists will review and research the solicitation, and will notify the user whether or not the offer is a potential scam.

Detect

Iris’ award-winning platform utilizes automated monitoring and human threat intelligence that is constantly surveying cyber criminals and their tactics on the deep and dark web where personal data is bought and sold.

Detect Prior Incidents

Iris’ identity monitoring service conducts a look-back, searching potentially compromised data to identify previously unknown incidents of identity theft.

Credit Monitoring ¹

Iris’ credit monitoring services track credit reports from the three major credit bureaus – TransUnion, Experian, and Equifax – searching for changes that could indicate fraud.¹

Identity Monitoring

Iris scours the deepest corners of the Internet, searching for compromised credentials and potentially damaging use of personal information in order to detect fraud at its inception and alert users so they can take immediate action. Additional details on Identity Monitoring can be found in the Alerts section.

Alert

Notifications are sent via email so users can take immediate action to minimize damage should the activity be unauthorized. Users are able to view alert details, close out any legitimate activity, or flag reports that need immediate attention – all from Iris’ easy-to-use online dashboard. Whatever the case, our award-winning Resolution Specialists are standing by 24/7 to help.

Credit Monitoring Alerts

New credit inquiries
Address change
New credit account opened
Delinquent accounts
Change of account information
Account payment status change
Exceeded credit limit
New employer
Bankruptcy reports and changes
Fraud alert activation
Account(s) in collections
Card reported lost or stolen
Creditor settlement
New public record in your name
Name change
Records show you are deceased

Identity Monitoring Alerts

Alerts are sent via email if pieces of a customer’s identity are detected under suspicious circumstances so that your customer can take immediate action to minimize damage.

High-Risk Transactions
Compromised Credentials
Internet Black Market Surveillance
Payday Loan Monitoring

Resolve

Our team of award-winning Resolution Specialists is available 24/7/365, to help resolve incident(s) of identity theft/fraud and prevent further damage.

U.S.-Based Certified Resolution Specialists

Our Resolution Specialists are FCRA-,CIPA^®-, and CTRMS- certified. Unlike traditional call centers, our Resolution Specialists are not measured on metrics like call duration or calls per hour. Rather, empathy, assistance, and immediate action are their top priorities.

Multi-lingual Support

We provide on-site access to Spanish and French speakers via our in-house Resolution Specialists and when necessary, we can provide translation services via telephone interpreters around-the-clock for 200+ languages & dialects.

Resolve Prior Incidents ²

Even if an incident of identity theft occurred prior to enrollment of your unique program, as long as there was no prior knowledge of the incident at the time of enrollment, our Resolution Specialists will work to correct any identity-related issues they may be experiencing from this pre-existing incident.²

ID Theft Affidavit Assistance & Submission

If a user’s identity has been compromised, we’ll provide them with a pre-populated identity theft affidavit to dispute any fraudulent claims or activity. After assisting with its completion, we will then submit the affidavit to the appropriate authorities, credit bureaus, and creditors on their behalf.

Creditor Notification, Dispute, Follow-Up ³

We’ll contact the creditor’s fraud departments with itemized account statements to dispute each fraudulent occurrence on the user’s behalf. We’ll also continue to follow up with creditors until each matter has been properly handled, all while keeping the user abreast throughout the entire process with status reports.³

3-Bureau Fraud Alert

We’ll place a fraud alert on the records at all three major credit bureaus to add a layer of protection from fraudulent activity.

Inform Police/Legal Authorities ⁴

We’ll assist in reporting any fraudulent activity to the local authorities and will also forward reports to creditors.⁴

Credit Freeze

Should there be the need to block any suspicious activity occurring on a credit file, we’ll work with the major credit bureaus to place a freeze on their credit records.

Lost Wallet Assistance

We’ll assist in notifying the appropriate bank or issuing authority to cancel and replace stolen or missing items, such as debit/credit card(s), driver’s license, Social Security card, and/or passport.

Medical Identity Theft Assistance

If a user’s identity has been fraudulently used to obtain medical services and treatment, we’ll work with their healthcare providers and insurers to attempt to resolve the issue(s), ensuring that their claims and medical records are corrected.

Emergency Cash Advance ⁵

We’ll provide an emergency cash advance of up to $500 when identity theft occurs more than 100 miles away from the user’s primary place of residence.⁵

Emergency Travel Arrangements & Journey Continuation

If identity theft occurs while traveling more than 100 miles away from home, we’ll assist with making emergency travel arrangements, including airline, hotel, and car rental reservations.

$1 Million Identity Theft Insurance ⁶

Iris’ Identity Theft Insurance provides monetary reimbursement for covered expenses related to the identity recovery process.^2,6

Flexible Identity Protection Programs That Give Your Business More Control

Enrollment Options

Choose to offer Iris’ identity protection to your customers or employees (or both!) as a voluntary or embedded offering – or a combination. Develop the program that best fits your business needs.

Customizable Plans

With a multitude of features, Iris allows you to create a unique identity protection program that fits your customers’ needs, while also achieving your business goals.

Rapid Implementation

After you build your program, rest easy with a hassle-free and 30-day implementation. In a month’s time, your new identity protection program will be customer-ready.

Branding Flexibility

Get your choice of having your identity protection program branded to your specifications. Choose between client-branded, co-branded, or Iris branded program.

1. Credit Monitoring, Report and Score (requires activation): GGA will provide the Member with access to the Member’s credit report and credit score and will monitor the Member’s credit file for changes that could indicate fraud such as new credit inquiries, an address change, or new credit account(s) opened in the Member’s name. This Service includes access to 3-Bureau Credit Monitoring, Reports and Scores with alerts throughout the term of the program. This Service is available to the Primary Member only under the Individual Plan and to the Primary Member and a Spouse or Domestic Partner under the Couple and Family Plans. The Primary Member and his or her Spouse or Domestic Partner must enroll in Credit Monitoring via an authentication process following their account activation in order to have this Service.

2. Insurance coverage is excluded for pre-existing conditions.

3. Some creditors may require the Member to provide their authorization over the telephone before our Resolution Specialists can begin to work with the creditor directly in resolving an identity theft case.

4. A member has to be the one who actually reports identity theft incidents to the police; we help them locate a police station nearby and guide them through the process. Police departments in some states will not take a report for cases of identity theft, in which case an “Identity Theft Report” is made through the FTC and used in its place for substantiating the incident to certain creditors and other relevant entities.

5. A valid credit card is needed to secure cash advances.

6. Identity Theft Insurance is provided under a master policy of insurance underwritten by Generali U.S. Branch that has been issued to Generali Global Assistance, Inc. This summary is intended for informational purposes only and does not include all terms, conditions and exclusions of the policy. Coverage may not be available in all jurisdictions. Members must refer to the actual policy for terms, conditions, and exclusions of coverage. Members must also review their summary description of benefits. Generali US Branch (New York, NY; NAIC # 11231) operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia. For a copy of your Summary of Benefits click here and Master Policy click here.

Meet Iris®: Your partner in people-first identity protection

Iris® Features