OPTimum Integrity Cloud

Stopping Organized Fraud In Its Tracks

The OPTimum Integrity Cloud – A Full Stack Solution To Solve Your Integrity Goals



  • The OIC is an enterprise solution that covers all UI integrity functions and objectives
  • Built specifically for UI from day 1, none of this is ported of from another industry thus ensuring it really nails down the complexities of UI.
  • Everything from prevention and detection to adjudication, collection, and legal enforcement is covered in this full stack integrity solution.
  • It’s a holistic approach and solution but our layered strategy allows the state to pinpoint where to extend its current capabilities and only implement those layers. This maximizes capabilities, while minimizing costs.
  • Any of the individual solutions can be layered where needed allowing the state to continue using any systems and process that work well for you today.
  • These solutions are helping states resolve massive backlogs, they’re also being integrated as a part of claims processing.
Resolve Claim And Issue Backlogs


The OPTimum Integrity Cloud suite is helping states resolve claims and issue backlogs by filtering the claim and issue loads through a system of layers as depicted in the image above image.

 

  • The first layer is OPTimum UIdentify, an ID proofing solution enables the claimant to prove their identity. A scanned ID is matched against a national repository of DMV data to verify a claimant is who they claim to be. The only item a fraudster does not have is the physical ID.
    • After filtering out validated claimants, OIC will interrogate the remainder of the population through layers designed to detect patterns of identity theft and emerging fraud schemes. 
    • The OPTimum IDH Broker gives the agency access to NASWAs Integrity Data Hub, which is a multi-state repo of suspicious actors and a passive identity verification service. OIC streamlines integration with the IDH and provides lead tracking where investigators can manage hits. This is all live-in production within 2 weeks.
    • OPTimum ID Theft is a data analytics tool that leverages machine learning algorithms to detect identity theft patterns. Preconfigured with a proven model to identify fraud day 1 and it continues to grow in its capabilities as it detects fraud across the nation.
    • OPTimum Resolve conducts automated claimant outreach through email, text message, or IVR integration. Then tracks responses and notifies states when it’s clear to perform the non-responsive claimant procedures allowed by the state.
    • With these layers in place, an agency will eliminate their backlog and bolster their integrity processes.
    • With validated claimants filtered, fraud deterred, and unresponsive claimants processed, what is left are the issues only adjudicators can solve. OPTimum Resolve simplifies issue management guiding agency staff to achieve efficient, consistent, and accurate determinations.

Next is automation of the resulting workloads… don’t worry, Optimum Integrity has that covered as well.

Overpayment Workload Automation

Automate adjudication, collection, and enforcement processes with OPTimum Resolve.

  • OPTimum Resolve automates fact finding, recommendations based on available evidence and establishes overpayments
  • The system generates tasks and sends out correspondence to the relevant parties and tracks the responses and determines next steps based on business rules. This trims the work associated with identity issues and allows agency staff to focus more of their time on more complicated issues.

Collection of Overpayments is automated by OPTimum Recover.

  • The system determines whether a debt is collectible or not through a series of business rules then generates the appropriate collection notice and intercept activities.

And lastly for Overpayments where collections activity are being ignored, automation of Legal remedies is performed by OPTimum Enforce.

  • The system identifies, creates, and manages legal actions based on business rules, configured to support Liens, Garnishments, Civil Actions, and Criminal Actions by breaking each legal action down into repeatable steps and proactively monitors each part such as document due dates, trial dates, and restitution details.
  • Stacking these solutions as such, creates workflows that squarely solve these major integrity goals. OIC blocks fraud upfront, detects exceptions that slip through the cracks, and streamlines the integrity workload to keep the backlog low and the trust fund solvent.
Hosting and Subscrption Model

On Point’s subscription model outlines a process that lets EDD take advantage of system capabilities that have been developed and matured over 30 years with our team focusing solely on unemployment insurance technology and automation.  This model eliminates the burden from state agencies managing another application, hardware stack, and dedicated FTEs, instead; your team focuses on their prime objectives of managing and paying benefits to those in need.

The hardware stack is cloud hosted using a state-of-the-art architecture within the AWS cloud and AWS GovCloud platforms.  These environments follow all the same security restrictions and guidelines currently adhered to by UI agencies data centers and on-premises hosted platforms. (i.e NIST 800-53 and FISMA; SOC 2 Audit (coming soon))

The On Point modified SaaS model will provide EDD with a single tenant approach to access the environment and software layers through a secure portal.  Each state gets their own VPC which isolates and partitions them from other state hosted platforms and OIC layers.  While in this environment On Point will assure SLAs are being maintained and scaled based on the current economic scenarios, this makes managing recession-based volumes less of a worry for states.  On Point will also provide multiple updates to the applications throughout the year to our subscribers.  There is normally one dot release and one major release for each layer on an annual basis.

Integration and rollout strategy Prevention / Detection

The implementation roadmap gives states access to powerful tools quickly and the grows the level of integration as the state’s priorities require.

  • Products get deployed early in the project, usually within 2-3 weeks of project launch.
  • Early roll-outs require little-to-no integration. States users gain access to much needed defenses instantly.
  • Subsequent roll outs progress into uploading/FTP of batch files extracted from the state’s systems.
  • The microservice approach allows for each product layer to get implemented and operate within EDD a lot faster while still maintaining business continuity for state UI Benefits platforms.

Automated data transfers and automation of actions between systems are jointly developed by state IT.

Integration and rollout strategy Workload Automation

The implementation roadmap gives states access to powerful tools quickly and the grows the level of integration as the state’s priorities require.

  • Process automation requires stronger outlines of current process flows and alignment
  • Base system implementation becomes available to state early in the project
  • Subsequent roll outs allows for data integration and alignment
  • Automated data transfers and automation of actions between systems are jointly developed by state IT/On Point concurrent to prior roll outs and deployed according to priority of the state.
  • We have a highly flexible application which allows for our team to configure the tools to optimize based on EDD’s business flows and operations.  This will maximize the level of automation and EDD’s use of their internal resources and throughput.
Proven Result

State A was buried with a sizable backlog of claims they suspect was largely fraud.

  • After filtering through UIdentify over 10% of the claims were discovered to be valid claimants. Those claims were quickly cleared and deserving claimants began receiving benefits.
  • The solution will block the fraud they already suspected in that pool and any claims that result in an issue will be efficiently processed by Resolve.
  • Trends are showing approximately 48,000 claims will go through the Resolve automated non-responsive claimant path, with an MPU of 40 minutes State A stands to save over 39,000 hours of work.

State B began to encounter that 70% of their initial claims over a period of a few weeks were hitting fraud score thresholds.

  • Both the IDH broker and audits available within our ID Theft product are detecting the fraud claims and enabling the claims to be blocked.

State C using an audit available in our ID Theft solution discovered a pattern of debit cards, bank type, and address gave indication of fraud.

  • The ID Theft audit over a 2 month time frame detected fraud and enabled the state to stop paying $22,049,595 in weekly claims. This would have resulted om over $1.1B in fraud if the claims were allowed to exhaust their benefits.

State D using our IDH Broker and NASWA’s SAR reported the prevention of 40 Millions dollars over 2020 Quarters 2 and 3.

Current Installations


  • The value of that experience has been proven
  • We currently have 42 active installations across 14 states.
  • The experience gained from this volume of partnerships really shows. It shows in the types of configurations you’ll see available within our solutions, the expertise that goes into the technical integration with state systems, our product delivery methodologies, and in the expert guidance of our SME’s.
  • Many of our clients have been with us for over a decade which is a testament to the commitment we have to our customers.
Why Choose On Point?

On Point has been developing and managing integrity solutions for close to 3 decades.  We have team members that span the nation totally centuries of UI experience.  In addition to our experience directly within state workforce agencies, our technology staff also has over 100 years of combined UI experience.

We get UI, it’s 100% of our business since our inception.

State C using an audit available in our ID Theft solution discovered a pattern of debit cards, bank type, and address gave indication of fraud.
-The ID Theft audit over a 2 month time frame detected fraud and enabled the state to stop paying $22,049,595 in weekly claims. This would have resulted om over $1.1B in fraud if the claims were allowed to exhaust their benefits.

Put Our Expertise To Work For You

From Business Process Analysis to Data Migration,
we have a full range of services to help deliver the highest return.