Identity-document fraud detection is not a stationary binary classification problem. Adaptive attackers modify templates and fabrication pipelines, making historical fraud labels stale, and successful forgeries recur at scale as coherent campaigns. We therefore study layout-aware representation learning for open-set fraud discovery rather than only closed-set classification. We adapt DINOv3 to the document domain via context-aware SimMIM fine-tuning and supervised metric learning with composite loss that encourages inter-class separability and intra-class compactness. The model is trained with U.S. IDs only. With a lightweight MLP and softmax classifier, the embedding achieves 99.83% layout classification accuracy on Canadian layouts. Moreover, on a dataset of 20,448 Canadian IDs, embedding-space analysis surfaces 276 adaptive physical-fraud cases, including 222 not surfaced by incumbent detectors. The embedding supports similarity-based expansion from a single confirmed seed to additional related cases not linked by conventional metadata graphs. The layout-aware document embeddings provide a production-aligned basis for discovering novel and campaign-scale fraud under distribution shift.
Digital identity verification systems used in remote onboarding rely on document images to authenticate users, making them vulnerable to localized manipulations of key identity fields such as facial photographs and textual information. Existing forgery detection methods, developed primarily for natural-image forensics, show limited transferability to structured identity documents. We propose FLiD, a lightweight field-localized framework that targets critical identity regions rather than processing full-document images. A fine-tuned object detector first localizes face and text fields; a frozen MobileNetV3-Small backbone then extracts compact field-level embeddings, which are classified by lightweight neural network with only 191K trainable parameters. FLiD achieves AUC scores of 0.880 (face), 0.954 (text), and 0.923 (both-field attacks), with corresponding EERs of 18.05%, 11.61%, and 15.16%, representing absolute reductions of 29-35 percentage points over a full-document baseline trained from scratch. FLiD also consistently outperforms general-purpose manipulation detectors (TruFor, MMFusion, UniVAD) across all attack scenarios while requiring 13x fewer parameters and 21x fewer FLOPs
Working entirely on topologically anonymized embeddings, we perform fraud detection using iterative rounds of unsupervised filtering followed by supervised sniping. The result is an ultra-low latency privacy--preserving triage that allows institutions to flag suspicious activity without compromising Personally Identifiable Information.
Identity document forgery has undergone a fundamental capability shift: generative AI tools now enable high-fidelity document synthesis and field-level manipulation with minimal technical expertise, while detection methods remain constrained by benchmarks that do not reflect this threat. The resulting attack surface spans physical presentation, digital injection, and fully generative synthesis, introducing distinct forensic failure modes that require a unified threat model and evaluation framework. This survey provides, to our knowledge, the first unified treatment of Presentation Attacks, Digital Injection Attacks, and GenAI-driven synthesis within a single identity verification threat model. We trace detection methodologies from rule-based heuristics through forensic localisation, injection-aware pipelines, foundation models, and few-shot frameworks. A systematic audit of public datasets from 2019--2025 exposes a persistent Reality Gap between benchmark conditions and operational deployment. We further analyse large multimodal models for identity document manipulation, identifying Script-Dependent Generative Instability (SDGI) as a recurring typographic failure mode in non-Latin script inpainting. Finally, zero-shot benchmarking on unseen synthesised ID cards shows that even the strongest publicly available models achieve APCER values above 25% under security-oriented operating conditions, highlighting substantial limits in cross-domain generalisation. We conclude by outlining future directions toward forensically grounded, privacy-preserving, and legally accountable identity verification systems.