Most payment risk controls focus on the customer sending the money. When the recipient account in a fraudulent transaction receives that transfer, the window for the bank to intervene has often already closed. Getting ahead of these transactions means bringing recipient-side intelligence into the payment decision before any funds leave the would-be victim's account.
Payee lifecycle anomalies
Recently opened, previously unused, or long-dormant accounts becoming active indicates elevated risk of fraudulent or mule-controlled recipients.
Incoming activity spikes
Sudden increases in transaction volume or velocity to a recipient account indicate elevated risk inconsistent with typical usage patterns.
Fraud exposure signals
Recipient accounts linked to recent high-risk activity such as ATO, scams, or mule behavior indicate elevated likelihood of fraudulent fund destination.
BioCatch Trust solution brief
See how a collaborative intelligence network brings recipient-side risk into the payment decision before funds are released.
Synthesized intelligence:
Unified Collection. Continuous Telemetry. Behavioral Sequencing. Predictive Analysis. Real-time Decisioning.
No vendor has ever deployed behavioral intelligence at the scale we've proven possible. We continuously analyze more user sessions (16 billion and counting), collect more signals (3,000 plus), deliver more trusted insights, and protect more digital banking customers (more than half a billion) than any other behavior-centric digital-fraud-prevention solution provider. And we do it in the context of their device, the applications they use, and their transactional tendencies to deliver a trusted and accurate signal for a frictionless and secure customer experience.
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