SCAM PREDICTION & MULE CLASSIFICATION

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.

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Unauthorized fraud detection has come a long way. 
Authorized fraud detection is a different ball game.

 

Mature unauthorized fraud detection systems are able to achieve reasonable levels of accuracy - while false positives remain a persistent challenge.

The new and very real threat in the criminal space becomes heightened when cybercriminals commit cross-channel fraud, scams, or AI-armed attacks such as voice cloning, real-time chatbots, and deepfakes.

Traditional solutions are unable to stop these attacks.

They were not ...

....designed to detect authorized fraud.

....architected to detect valuable signals fraudsters leave behind while preparing to attack.

They do not have...

...full context as they focus on real-time behavior within a session or transaction.

...complete cross-channel visibility and correlation, creating blind spots that fraudsters take advantage of.

They cannot...

...proactively identify complicit money mules that bypass the onboarding process nor detect transitions from regular customers into witting and unwitting money mules.

...continuously assess account-based risk that is essential to complying with new and emerging regulations.

 

This allows scammers to navigate, manipulate, and bypass existing multi-channel technologies, authentication, and 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

Enhances mature anti-fraud ecosystems with best-in-class pre-fraud insights to proactively identify mule accounts and scam attempts before any transaction or payment is initiated. Layer Acoru with your existing New Account Fraud, Online Fraud Detection, Transaction Monitoring, and Strong Customer Authentication capabilities.  

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Prevent users from ending up as victims, unwitting & witting money mules.

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Block operations from complicit money mules & money launderer criminal accounts.

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Keep legitimate users from being listed in third-party money mule blacklists.

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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Mandatory Scams Reimbursement - victims of APP and Scams to be reimbursed by banks (PS23/4, PSD3).

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Money Mule Monitoring - PSR, EBA putting financial liability pressures that encourage money mule reporting.

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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No Rip & Replace
Acoru fits into your existing infrastructure and fraud tech stack.

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Agentic GenAI
Easy to use. No learning curve for beginners, no limits for pros.

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Omnichannel Integration
Does the heavy lifting of data transformation and integration so you don’t have to.

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Account-Based Risk Assessment
Accounts are the central anchor for all alerts regardless of the channel they originate from.

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

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Unstructured and Structured Data
Unlimited API calls and data source integrations.

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.

 

Four new types of insights that enhance decision-making:

Pre-Fraud Signal Intelligence

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

Pre-Transaction Score

The Pre-Transaction Score is generated before any transaction is initiated as users are about to fill out their transaction and payment forms.

MFA Advisor

The MFA Advisor provides selection of the correct challenge based on the context.

Pre-MFA Score

The Pre-MFA Score prevents fraudsters and scammers from bypassing MFA.

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Learn how you can stop AI-armed scammers.

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