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

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

Why Acoru?
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GenAI is predicted to fuel fraud losses of $40B by 2027*

Banks must also comply with emerging regulations that demand instant payments (IPR), enforce reimbursements to Victims (PSR) and transparency in reporting fraud losses (PSD3).

Source: (*) Deloitte

Existing Solutions are Siloed.
They do not detect Authorized Fraud or Human-Faking AI.

They were designed to detect unauthorized fraud only – not authorized fraud.

Focus on narrowed real-time scorings while ignoring valuable signals that fraudsters leave behind while preparing for attacks.

Unable to proactively identify money mule accounts, or detect their transition to witting and unwitting money mules. 

 Generate large volumes of false positives and are heavily based on manual analysis – having reached their detection recall ceiling. 

Fail to deliver comprehensive cross-channel visibility and correlation, leaving blind spots for fraudsters take advantage of. 

They do not continuously assess account-based risk, which is required for compliance with new and emerging global regulations. 

Scammers can navigate, manipulate and get past existing unauthorised fraud detection tools and multi-channel technologies

AI-Armed Authorized Fraud is Rapidly Escalating

27M

American consumers (8% of the population) were scammed in 2022

10x

Scams growth from 2022 to 2023 (**)

$12.4B 

Lost in 2024 to AI-Driven Scams: Deepfakes, Voice Cloning and Fake Crypto Platforms (***)

 Source: (**) Forbes · (***) Tech Business News

Acoru empowers Banks to

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Put the spotlight on the common denominator in detecting both authorized and unauthorized fraud: Money Mules. Whether complicit, witting or unwitting.    

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Pro-actively protect users before money is moved, without compromising Faster Payments SLAs.   

Comply with current and emerging banking regulations 

Mandatory Scams Reimbursement

Pioneered by UK’s PSR (PS23/4), followed by the EU’s EBA (PSD3) and other regulators across the globe, banks are now required to reimburse victims of Authorized Push Payment (APP) scams and unauthorized fraud.

Money Mule Monitoring

Fraud and AML regulators worldwide (PSR, ECPS, SEPBLAC) are putting financial liability pressures that encourage identification, reporting and monitoring of money mules to avoid potential payments of reimbursements of scams.

Regulations in Intelligence Collaboration Networks

Financial regulators and authorities are urging—or in some cases mandating—financial institutions to share information about fraud, including money mule accounts, and to participate in consortia or collaborative platforms, while complying with local privacy regulations (GDPR, GLBA).

Acoru Account Classification Engine™ (ACE)

Next-Gen & AI-Native

Continuously scores first-party & counter-party accounts, across the customer journey, channels,
and the Acoru Consortium, before money is moved.

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Acoru Pre-Fraud Signal Intelligence holistically orchestrates all sources of data, channels and alerts to detect unauthorized and authorized fraud intent as fraudsters prepare to hit

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Acoru Pre-Fraud Signal Intelligence identifies the victims even when they are not aware that fraud is about to happen

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Acoru Predictive Network Intelligence connects all accounts, inter-bank and intra-bank

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Acoru Consortium banks exchange an Acoru Account Classification Score - for every first-party and counterparty account

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Acoru Predictive Challenge Analytics 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 FinCrime / AML Regulations.

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

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 PSD3.

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


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Looking for an All-In-One FRAML solution for Compliance?

The Acoru Continuous 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 (PSD3) and enforce reimbursements to Victims (PSR). 

The All-In-One Acoru Solution includes New Account Fraud (NAF) detection, Online Fraud Detection (OFD), Transaction Monitoring (TM), and Authorized Fraud Prediction.

Learn how you can stop AI-armed scammers.