Identity Verification Isn't Enough for Accurate Fraud Prevention

There are many identity verification solutions on the market, but they aren’t built to deliver a 360-degree view of your consumers’ risk – particularly their risk of account takeover (ATO), new account fraud, synthetic identity, and fraud tied to malware on their device. 

Validating the accuracy of consumers’ information against a PII database is step 1 in most fraud decisioning frameworks, but it leaves too much to guesswork.

SpyCloud takes a new approach to fraud prevention that is complementary to identity verification services. It gets you closer to a 360-degree view of your consumers’ risk that lets you more confidently determine if your user is a legitimate consumer or a criminal using stolen information.

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Only SpyCloud lets you…

Leverage Underground Data

We have a truly unique data source from which we derive our risk scores – the largest repository of breached and leaked data in the world. Make faster, more accurate fraud decisions using recaptured data from criminal communities – over 200B+ assets representing data on billions of users.

Detect Fraud Tied to Malware

SpyCloud typically reveals that 1% of tested consumer accounts have been affected by malware. By identifying that criminals have access to customers’ browser fingerprints, exact credentials, and sensitive information siphoned from infected devices, you can proactively flag their account or take action before fraud can occur.

Capitalize on actionable risk signals no other provider has​

SpyCloud Identity Risk Engine provides what no other anti-fraud and identity verification solutions can: actionable, predictive fraud risk assessments based on recaptured data from the criminal underground that can be used to drive faster, more accurate fraud decisions.

SpyCloud constantly recovers and analyzes new data, including credentials and personal information exposed by third-party data breaches, combolists, and malware-infected devices. It’s data no other provider has.

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Transforming fraud prevention from reactive to proactive

Fraud is an arms race, and criminals have an advantage — until now.

SpyCloud’s Identity Risk Engine enhances the power of existing fraud prevention solutions by drawing on the world’s largest database of recaptured data from the criminal underground to illuminate which customers are at highest risk of account takeover, new account fraud, and synthetic identity fraud.

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Unlock even more revenue blocked by false declines

Businesses are missing a crucial element in their control frameworks: visibility of stolen information that enables criminals to evade detection.

Without a complete view of customers’ risk, inaccurate decisions often result in revenue lost to fraud, false positives, unnecessary friction, time wasted on manual reviews, and negative customer experiences that damage your brand with legitimate customers.

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Inside SpyCloud: All the Tools You Need to Stop Hard-to-Detect Fraud

Stop Fraud Tied to Malware

Identify consumers whose data has been harvested by malware, including browser fingerprints that enable criminals to impersonate them

Detect Synthetic Identities

Detect anomalies within a customer’s information indicating that the identity is fake, stolen, or constructed using sensitive data available on the criminal underground

Anticipate Account Takeover

Determine which customers are at highest risk of account takeover due to exposed credentials, bad password hygiene, and other key risk indicators

Understand Identity Risk

Get actionable insight into the risk that a customer’s identity may be abused for fraud, distilled from 170+ billion assets recovered from underground criminal communities

Reveal Consumers’ Exposure

Visibility into the scope, recency, and severity of a customer’s data exposure on the criminal underground to evaluate the types of fraud they may be most susceptible to

Forecast Targeted Attacks

Rely on real-time third-party breach data to identify customers with newly exposed
credentials that are of high value to criminals

Stop fraud that identity verification services can’t flag.