Stop AI-Armed Authorized Fraud
- Before Money is Moved.

Continuously monitor & classify first-party & counterparty accounts
to block Authorized Push Payment (APP) fraud.

Why Acoru?

Schedule Demo

GenAI is predicted to fuel fraud losses of $40B by 20271

Plus, banks must comply with new regulations that demand instant payments (IPR), enforce shared reimbursements to victims and reporting of fraud losses (PS23/4 and PSD3).

Existing Solutions are Siloed.

They do not detect Authorized Fraud or Human-Faking AI.

They were not designed to detect authorized fraud.

Do not have full context because they focus on real-time behavior within a session or transaction while ignoring valuable signals fraudsters leave behind while preparing to attack.

Cannot proactively identify complicit money mules that bypass onboarding process nor detect transitions from regular customers into witting and unwitting money mules.

They were not architected to pick up fraud intent signals.

Do not have complete cross channel visibility and correlation, leaving blind spots that fraudsters take advantage of.

Do not continuously assess account-based risk - essential to complying with new and emerging regulations.

This allows scammers to navigate, manipulate and bypass existing multi-channel technologies, authentication & fraud detection tools.

AI-Armed Authorized Fraud is Rapidly Escalating

27M2

American consumers
were scammed in 2022

$486B3

Scams losses
Globally in 2023

$12.4B4

Lost to AI-driven Scams
(Deepfakes, Voice cloning,
Fake Crypto Platforms) in 2024

Acoru empowers Banks to

Spotlight Money Mules – the common denominator for detecting both authorized and unauthorized fraud.

Pro-actively and selectively block fraudulent transactions in victim, unwitting & witting money mule accounts

Freeze complicit mule & money laundering criminal accounts, before money is moved

AND, comply with PS23/4, PSD3 and emerging Banking Regulations

Mandatory Scams Reimbursement

PS23/4, PSD3 and emerging regulations require banks to reimburse victims of Authorized Push Payment (APP) and unauthorized fraud.

Money Mule Monitoring

Fraud and AML regulatory bodies worldwide (PSR, EBA, FINCEN, AMLA) are putting financial liability pressures that encourage identification, reporting, and monitoring of money mules.

Data Sharing Networks

Regulators and are urging / mandating financial institutions to collaborate and share fraud data and money mule account information, and to participate in consortia / collaborative platforms, while complying with privacy regulations (GDPR, GLBA).

Acoru Account Classification Engine

Continuously scores first-party & counterparty accounts,
across the customer journey, channels & Acoru Consortium banks,
before money is moved

Acoru Pre-Fraud Signal Intelligence proactively detects hidden traces left by fraudsters during the preparation phase (before any fraud is committed) enabling early intervention in both authorized and unauthorized fraud detection.

Acoru Predictive Link Analysis reveals connections between first-party & counter-party accounts as money is both sent and received.

An Acoru Account Classification Score is generated continuously for every first-party and counter-party account within the bank and across Acoru Consortium banks.

Acoru Authentication Challenge Analysis examines transaction approvals, vulnerable challenges, and deceptive responses to recommend strong, context-sensitive challenges in real-time, before a transaction is approved and money is moved.

Keep up with the most Sophisticated
AI-Armed Scammers!

Future-proof your fraud-fighting capabilities.
Comply with the latest Fraud and Banking Regulations.

Looking to enhance your
existing Transaction Monitor
with the latest insights?

Looking for an All-In-One Fraud
solution for Compliance with
the latest regulations?

The Acoru Authorized Fraud Prediction Platform™ enhances Transaction Monitoring Systems with pre-fraud insights to stop scams before money is moved. It also delivers real-time Account Reputation Scores in compliance with new and emerging regulations (PS23/4 and PSD3).

The Acoru Account Monitoring Solution™ stops scams and protects customers in compliance with the latest banking regulations that demand instant payments (IPR), transparency in reporting fraud losses (PS23/4, PSD3), and enforce 50:50 reimbursements to victims between sending and receiving banks (PS23/4).

The Open and AI-native Acoru Platform gives you full control to keep up with the latest scams.

In addition to Authorized Fraud Prediction, the All-In-One Acoru Solution protects against New Account Fraud (NAF), Online Fraud (OFD) threats and Fraudulent transactions (TM).

Stop AI-Armed Authorized Fraud - Before Money is Moved.

Continuously monitor & classify first-party & counterparty accounts to block Authorized Push Payment (APP) fraud.