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Let customers in, keep fraudsters out

BioCatch Account Takeover Protection continuously monitors web and mobile sessions for user application, behavioral, device, and network anomalies and applies advanced risk models to expose a broad range of account takeover threats that legacy fraud prevention controls miss.

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Protect your customers’ assets

From stolen credentials to more sophisticated threats, such as authorized payment scams, remote access attacks, and mobile malware, the unpredictable nature of ATO threats require a next-generation approach to fraud detection and prevention that correlates application, behavioral, device, and network signals as contextual equals, not layers. This native integration illuminates valuable risk signals to mitigate vulnerabilities in the digital journey and increases confidence that the authorized user is accessing an account.

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The hard truths of account takeover

92 %

Account takeover fraud that happens on mobile devices

54 %

ATO attacks that involved a changed password or email address

67 %

Identity fraud victims who had two or more accounts taken over

$ 11 B

Total losses attributed to account takeover fraud in the U.S. in 2022

Stop account takeover fraud before money disappears

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Do the digital behavior traits resemble a genuine user or criminal?

Everyone interacts with their device differently. Profile genuine users and fraudsters based on unique digital behavior traits such as mouse movements, typing cadence, and swipe and scroll patterns.


Do movements show human or automated patterns?

Human patterns are imprecise with natural curves and shakes (black). Automated patterns often originate from the same point and appear as perfectly straight lines (red). 


Are expert user patterns present?

Fraudsters often display advanced computer skills, use keyboard shortcuts, leverage remote access tools (RAT), and open developer tools or programmers' consoles.


Are there timing anomalies?

Familiarity with the data, application, and payment process can be measured by the time taken for each interaction and the entire digital session. 


Are the device, IP and network attributes known?

Device, IP and network data are an important part of detecting common types of fraud and creating behavioral insights.


Gartner®: How to Mitigate Account Takeover Risks

Account takeover attacks continue to plague digital environments despite existing authentication processes. Access the Gartner report and get recommendations on the capabilities required to build a comprehensive ATO prevention strategy that balances risk mitigation with cost and UX considerations.

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Rectangle 2890
Account takeover use cases

Remote access attacks

Legacy fraud prevention controls have limited or no ability to detect remote access attacks. When a RAT is present on a user’s device, the bank’s systems detect a genuine device fingerprint, with no traces of proxy, code injections, or malware, and with the proper IP and geo-location. 

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Credential stuffing

Most organizations have bot mitigation controls in place to detect credential stuffing and other automated attacks. To circumvent these controls, fraudsters have started to abuse legitimate open banking platform providers to test batches of credentials and reverted to testing smaller, more frequent batches instead of testing at scale. 

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Phishing site detection

Over 90% of all cyber attacks start with some form of phishing via email, text message, or phone call. While phishing attempts used to be easy to spot due to multiple spelling errors and poor grammar, fraudsters now have access to AI tools such as ChatGPT to help them craft well-written messages capable of tricking even the savviest users. 

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SIM swapping

Financial fraud involving SIM swapping is growing in several regions around the world. Not all cases of stolen device fraud require a SIM swap. In these cases, often carried out by highly organized criminal gangs, fraudsters use password engineering to unlock the device. 

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Join us for a 30-minute deep dive with a BioCatch expert to learn the latest tactics, techniques, and procedures (TTPs) fraudsters use to scam your customers
and harm your brand.

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