Consumer ATO Prevention
Protect your customers from account takeover
SpyCloud Consumer ATO Prevention alerts you when your customers’ data appears on the criminal underground, allowing your organization to act swiftly to lock bad actors out of compromised accounts.
Disrupt criminals' ability to profit
SpyCloud’s operationalizes the world’s largest repository of recaptured breach and malware data to help you detect exposed credential matches, automate step-up authentication or password reset, and support your overall consumer ATO prevention strategy.
Reduce
ATO
Prevent criminals from making fraudulent purchases, siphoning rewards points, stealing personal information, and locking legitimate users out of their own accounts
Increase
operational efficiency
Reset passwords or choose an appropriate step-up authentication path for affected users without adding unnecessary friction
Preserve
customer trust
From account creation to digital transactions – safeguard your consumers’ digital experiences to ensure brand loyalty and trust
Stay a step ahead of criminals
SpyCloud recaptures data at a scale that cannot be matched – shortening your exposure windows and protecting your customers from the effects of automated and targeted attacks.
Reduce fraud losses, without adding friction
Protect your brand and the customer experience
Increase your impact
“We don’t have to do any manual processing of public breaches anymore, which took a lot of time with the constant stream of new breaches. SpyCloud’s amazing API allows us to automate the entire process.”
– Niels Heijmans, Principal Security Intelligence Analyst at Atlassian
What else can I do with Consumer ATO Prevention?
Identify bad passwords
Compromised credential monitoring
User monitoring
Detect infected users
Prevent ATO of malware-affected accounts, and customize remediation and notification based on the digital journey
NIST alignment
Easy APIs
Real-time login checks
SpyCloud Consumer ATO Prevention FAQs
In an account takeover (ATO) attack, criminals use another person’s login credentials, most often by leveraging reused or similar passwords from previously breached sites, to gain access to existing accounts. Once inside, they make unauthorized transactions, siphon funds, and steal corporate data or personally identifiable information (PII) to use for other purposes, or simply to sell to other attackers on the dark web.
Criminals are typically taking over accounts for profit, pure and simple. It all comes down to money, and how much of it criminals can extract from what they’ve stolen. Contrary to what you may have heard elsewhere, the first step to monetizing stolen data is not to sell it on the dark web. That’s actually the last step. What happens first is the highest effort, most profitable activities.
With stolen data, criminals will:
- Drain financial accounts, crypto wallets or loyalty point balances
Criminals will take control of financial accounts and immediately wire or transfer the balance from victims’ accounts. In a twist on this concept, there has been a huge uptick in peer-to-peer payments fraud, up 733% since 2016. - Make fraudulent purchases
Another quick scheme: criminals will purchase goods using stolen or stored credit card or gift card data. In fact, 40% of all fraudulent activity associated with an account takeover occurs within a day. - Create synthetic identities
Some criminals are specialists when it comes to creating new identities with a combination of fake and legitimate (stolen) data. The payoff might not come for months, since these identities need to be “warmed up” before they are used to obtain lines of credit. - Exploit victims’ work accounts
Criminals may try to locate and steal corporate IP and deploy business email compromise scams, which resulted in $2.4B in losses in 2021 alone. - SIM swap victims to bypass MFA
In a SIM swap attack, criminals transfer a victim’s phone number to their own SIM card in order to bypass multi-factor authentication and take over sensitive accounts.
SpyCloud Consumer ATO Prevention operationalizes SpyCloud’s extensive database of recaptured darknet assets using high-volume, REST-based APIs. Depending on your organization’s requirements, you can check consumer logins using identifiers (such as email address, username, phone number, or IP address), passwords (partial hashes), or a combination of both.
Alternative solutions are available for organizations that must satisfy a high volume of API calls or specialized privacy requirements.
You might like:
2023 Annual Identity Exposure Report
With nearly half of our data coming from botnets last year, our annual report of recaptured darknet data features key trends about malware and identity exposure.
Mobile Ecommerce Marketplace
An ecommerce marketplace uses SpyCloud Consumer ATO Prevention to reduce ATO fraud, avoid fraud losses, and reduce resources dedicated to ATO prevention.
Best Practices for Notifying Consumers of a Third-Party Breach
When your consumers’ passwords appear in a third-party breach, the language you use to notify them that their passwords must be reset requires careful consideration.
Integrate Consumer ATO Prevention into your existing workflows
SpyCloud data is easily integrated into existing login workflows, password change and reset processes, and common SIEMs and TIPs. Get up and running fast, and see value on day 1.
