HOLISTIC FRAUD PREVENTION

Meet All your Fraud Prevention needs in One Single Solution.

Accelerate your fraud prevention journey or replace legacy tools with a single omnichannel solution built for prediction.

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Vendor and integration complexity distract Banks from what matters most: Stopping Fraud. 

Getting fraud prevention right isn't easy and consistently drains resources. 
Having capabilities like New Account Fraud, Online Fraud Detection, Transaction Monitoring, and Strong Customer Authentication in place does not necessarily keep Banks away from major challenges. False positives, scams, cross-channel fraud, and many other issues remain. 

Existing solutions are siloed.

They were not ...

... designed to share insights across accounts, sessions, and transactions.

... not architected to unify rules nor scoring, and tuning has to be repeated across platforms.

They do not...

...detect cross-channel fraud.

...provide one single unified console for investigation.

They cannot...

...anticipate scams or mule activity because isolated tools lack the cross-context intelligence to see fraud before it happens.

...adapt quickly to new threats as every change requires multiple vendors, projects, and integrations.

 

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

The Holistic Fraud Prevention Solution empowers Banks to

Centralize fraud prevention efforts in one unified console built to stop fraud.

Predict Scams

A natively integrated suite that protects against New Account Fraud (NAF), Online Fraud (OFD) threats and Fraudulent transactions (TM) in addition to Scam Prediction and Mule Classification.

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Next-Gen defenses to prevent classic cases of unauthorized digital fraud.

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Block abusive behavior at account creation before it becomes a threat.

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Protect transfers and payments against unauthorized and authorized fraud.

Comply with Regulations

New and emerging banking regulations, such as PS23/4 and PSD3, are reshaping financial institutions’ reporting obligations and transforming how they engage with customers and other banks.

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Current Banking Regulations
PSD2 enforces Strong Customer Authentication and secure communications.
Instant Payments Regulation (IPR) requires 24/7 availability of instant transfers.

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Mandatory Scams Reimbursement
PS23/4, PSD3 and emerging regulations require banks to reimburse victims of APP and unauthorized fraud by sharing the cost between the sending and receiving bank.

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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.

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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Easy Deployment
Onboarding data is simple and lightweight regardless of source, format, or schema.

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One Single Console
Integrate all capabilities of fraud prevention solutions into one place.

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Unlimited Data Sources Integration
Integrate unlimited API calls and data sources.

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Pre-fraud Signal Inteligence
Harness the power of prediction by ingesting any type of data as a valuable insight.

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Account-Based Risk Assessment
Accounts are the central anchor for all alerts regardless of the type of event.

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Private data stays Confidential
Your data stays with you. We just help you make sense of it.

How?

Acoru uncovers fraud patterns wherever they emerge by analyzing every user interaction across all channels and enriching them with pre-fraud intelligence signals. Boost detection accuracy while minimizing false positives.

A risk score is assigned to any event, whether it is at account onboarding risk, an account takeover, a remote access trojan, or a transaction. 

Five new types of insights that enhance decision-making:

NAF Signals

NAF Signals detect early signs of complicit money mule creation, brand promotion abuse, and synthetic or stolen identity use.

Pre-Fraud Signal Intelligence

Pre-Fraud Signal Intelligence proactively detects hidden traces left by fraudsters during the preparation phase (before any fraud is committed), enabling early intervention.

Digital Fraud Signals

Digital Fraud Signals detect potential fraud committed during online sessions to combat risks like account takeovers.

Session Score

The Session Score delivers a precise, context-rich risk assessment by combining demographic, pre-fraud, and account origin–destination classification signals.

Transaction Score

The Transaction Score prevents fraudsters and scammers from bypassing MFA.

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Stop AI-armed scammers and comply with current and emerging regulations.

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