Predict Scams and Authorized Push Payment (APP) Fraud.
Enhance your fraud technology stack with the best-in-class pre-fraud insights that identify mule accounts and stop scams before a transaction is initiated.
All in compliance with PS23/4, PSD3, and emerging regulations.
Unauthorized fraud detection has gone a long way. Authorized fraud detection is a different ball game.
Mature unauthorized fraud detection systems are able to achieve reasonable levels of accuracy - even though false positives remain a persistent challenge.
The new and very real threat in the criminal space, however, becomes heightened when cybercriminals commit cross-channel fraud, scams, or AI-armed attacks - voice cloning, real-time chatbots, and deepfakes.
Traditional solutions are unable to stop these attacks because:
They were not ...
....designed to detect authorized fraud
....architected to pick up valuable signals fraudsters leave behind while preparing to attack.
They do not have...
...full context because they focus on real-time behavior within a session or transaction.
...complete cross-channel visibility and correlation, leaving blind spots that fraudsters take advantage of.
They cannot...
...proactively identify complicit money mules that bypass the onboarding process or detect transitions from regular customers into witting and unwitting money mules.
...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.
The Scam Prediction & Mule Classification Solution empowers Banks to
Classify the common denominator in all types of fraud: the Money Mule. Predict scams before any transaction is initiated.
The Acoru Account Monitoring Platform redefines what is possible
Acoru continuously assigns a dynamic risk score across every account and all of its relationships - merchants, third-party accounts, cards, and beyond.
No Rip & Replace Acoru fits into your existing infrastructure and fraud tech stack.
Agentic GenAI Easy to use. No learning curve for beginners, no limits for pros.
Omnichannel Integration Does the heavy lifting of data transformation and integration so you don’t have to.
Account-Based Risk Assessment Accounts are the central anchor for all alerts, regardless of the channel they originate from.
Pre-fraud Signal Inteligence Harness the power of prediction by ingesting any data as a valuable insight.
Unstructured and Structured Data Unlimited data sources integration and API calls.
How?
Acoru detects patterns scammers leave behind before crime occurs. This powers proactive account classification and risk scoring, which update in real time and can be queried instantly at any stage of the user journey.
