A system and method for maintaining a fraud risk profile in a fraud risk engine are described. In a method conducted at a remote server, a payload from a secure mobile application executing on a user mobile device associated with a user is received. The payload including contextual data having been obtained by the secure mobile application and a trust indicator linked to the contextual data. Validity of the contextual data is confirmed by verifying the trust indicator. If the trust indicator is verified, the contextual data is input into a fraud risk engine as truth data. The fraud risk engine maintains a fraud risk profile associated with the user. The fraud risk profile is usable by the fraud risk engine in evaluating a fraud risk associated with an activity associated with the user.