Another option: Once when I and someone else also had this problem; reason was the Acccount Statements section in your account info. As there you tell you real name (and address) info which must match bank info when Virwox makes withdrawals to bank. I also didnt even know what I had there before checked it..and my name was there Mr. Rigth..so no wonder if RISK API gets suspicious.
First time residents sure bit suspicious when add their rl information anywhere but in currency type actions it needs to be more accurate.
Just my 2 Lindens,