Address

Middesk includes address-risk signals through Tasks and Address attributes as part of the core business verification product. These signals may be used to identify and flag high-risk locations to meet compliance requirements.

Additionally, see the Policies guide for information about setting up auto-approval and auto-rejection policies based on address-risk task outcomes.

Review Tasks

CMRA

The CMRA task denotes a submitted address is tagged by USPS as a Commercial Mail Receiving Agency, meaning a business does not operate at this address and maybe be a fraud indicator.

Location frequency

The Location Frequency task captures how often submitted address locations are used across businesses in the U.S., indicating potential misuse.

Registered Agent

The Registered Agent task flags if any submitted address are registered agents addresses, which are commonly used in fraudulent schemes.

Address risk

The Address Risk task flags the overall risk of the submitted addresses as calculated through our address risk indicator rating and the corresponding indicators. The maximum address risk score of the submitted addresses is used to determine the result of this task.

Address attributes

The following attributes are also tagged on submitted and known businesses addresses, which can be used to get a detailed picture of the address risk for each business address. See the Address API reference for the full set of address attributes in the Business API.

{
  "object": "business",
  "id": "db9123d0-5831-013d-90be-5aa588cff64f",
  "addresses": [
    {
      "address_line1": "13854 Lakeside Cir Ste 311",
      "address_line2": null,
      "business_id": "db9123d0-5831-013d-90be-5aa588cff64f",
      "city": "Sterling Heights",
      "cmra": false,
      "created_at": "2024-09-18T20:55:13.261Z",
      "deliverability_analysis": null,
      "deliverable": true,
      "full_address": "13854 Lakeside Cir Ste 311, Sterling Heights, MI 48313-1445",
      "id": "619f0d80-5832-013d-90be-5aa588cff64f",
      "is_registered_agent": true,
      "labels": [],
      "latitude": 42.62061682647953,
      "location_count": 10001,
      "longitude": -82.98978268290702,
      "object": "address",
      "postal_code": "48313-1445",
      "property_type": "COMMERCIAL",
      "registered_agent_name": null,
      "sources": [],
      "state": "MI",
      "street_view_available": true,
      "submitted": true,
      "updated_at": "2024-09-18T20:55:13.477Z",
    }
  ]
  ...
}

Address Risk Rating

Additionally, each address has its own risk rating and corresponding indicators that were used to calculate this rating. You can leverage address risk to determine an overall risk rating of "High", "Moderate", "Low", or "Not Available" of each of the business’s addresses (both known and submitted). Going one step further, we can inspect each risk indicator used to determine the overall risk rating and optionally, derive an outcome based on your own defined heuristics.

Here’s a look at the current risk indicators and their respective keys with the address object. Each indicator includes a rating field of its own, yielding a “positive”, “neutral”, or “negative” rating for each category type. If the indicator cannot be accurately determined for any reason, the indicator will be absent from the payload