http://www.sciepub.com/journal/AJSE American Journal of Software Engineering is a peer-reviewed, open access journal that provides rapid publication of articles in all areas of software engineering. The goal of this journal is to provide a platform for scientists and academicians all over the world to promote, share, and discuss various new issues and developments in different areas of software engineering. Science and Education Publishing en 2013 Science and Education Publishing Co. Ltd All rights reserved. American Journal of Software Engineering 9 1 January 2026 2013 Science and Education Publishing Co. Ltd All rights reserved. http://pubs.sciepub.com/ajse/9/1/1 Hybrid AI Framework which utilizes Supervised Learning, Unsupervised Anomaly Detection, and Explanatory AI (XAI), to identify Identity Fraud prior to Account Creation. This Framework will combine multiple Data Sources (Documents, Biometric Information, Devices, Structured Attributes) to produce Interpretable Risk Scores, utilizing SHAP Values & Rule Based Explanation, allowing Analysts to Identify Alerts & Resolve Them Efficiently. Our End-To-End Design Offers a Scalable, Compliant Solution to Early-Stage Identity Theft Prevention in Financial Services.]]> Sachin Dattatreya Murthy 2026-01-03 Science and Education Publishing 2026-01-03 1 9 1 9 10.12691/ajse-9-1-1