CONSORTIUM MANAGER

Collaborate in Real-time while keeping private information confidential.

Harness collective intelligence to achieve unprecedented levels of fraud and scam detection accuracy.

SOLUTION BRIEF
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Fraudsters Collaborate. Banks Divide.

Fraudsters collaborate across banks, sharing tactics and strategies to maximize their success. In contrast, cooperation between financial institutions is typically fragmented and limited.
This imbalance leaves each bank exposed.

Static blacklists, heterogeneous data models, and misclassification of types of mule accounts can harm customers and pose legal and reputational challenges for financial institutions. 

Existing solutions weren't built with collaboration in mind.

Traditional fraud prevention technologies are siloed because:

... they rely heavily on the skill and expertise of each bank’s data scientists.

... “Consortia” models often amount to nothing more than shared blacklists.

Traditional fraud prevention technologies do not:

... accurately distinguish between types of mule accounts.

... have processes for removing accounts from blacklists, managing where they are hosted, or handling regulated personal data.

 

Privacy platforms do not...

... understand the complex, heterogeneous data models across banks

... have the contextual understanding of how to make this shared intelligence actionable. 

This allows scammers to navigate, manipulate and bypass existing cross-collaboration technologies.

The Acoru Consortium Manager empowers Banks to

Build a real-time account classification network while enhancing the consortium members’ AI models. Adapting to their fraud and scam prediction use cases. 

Collaborate with other Banks

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Institutions benefit from collective intelligence to see risks even in accounts never directly monitored. And it does so with full compliance: no PII leaves your infrastructure, no GDPR concerns. What’s shared is intelligence, not information.

Comply with Regulations

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Regulators are urging and mandating financial institutions to collaborate and share fraud and money mule account data through consortia and collaborative platforms while maintaining full compliance with privacy regulations (GDPR, GLBA).

Acoru in Datos Insights Fraud & AML Fintech Spotlight Report 

Recognized by Datos Insights, Acoru has been selected for its account-centric approach, which focuses on identifying risk before the point of payment and supporting fraud and AML decisioning. Download the report to find out more. 

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.
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Privacy First
No central node storing participants’ data. Keep full ownership while gaining access to expert anti-fraud insights.

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Native Account Classification
Built-in integration that accelerates and amplifies fraud and scam prediction for all members.

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Heterogeneous Data Models
Works seamlessly across any table type or fraud detection tool.

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Custom-made & Flexible Consortia Access
Create customized, permissioned consortia and join multiple diverse networks.

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Real-time Insights
Consult live account scores instantly.

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Collaborative Strength
Account classification system where every member’s input strengthens the entire consortium.

How?

The Data Ciphering Suite lies at the core. It gives each institution full control over how shared intelligence is protected. Clients can choose the method that best aligns with their policies.

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Zero-Knowledge Proofs (ZKP) for validating signals without disclosure

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Partially Homomorphic Encryption (PHE) for secure computations on encrypted data

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Advanced data masking techniques for obfuscation while preserving analytical value

This flexibility ensures that collaboration remains both powerful and private. All participants contribute to, and benefit from, a global defense network without ever exposing sensitive data.

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Learn more about the power of the consortium.

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