Account Takeover (ATO)
Detect compromised accounts with unmatched accuracy
Combine behavioral, device, and transaction signals to identify ATO earlier without unnecessary customer friction
Defend against the next generation of account takeover attacks
Account takeover is the entry point for many of today's highest-impact fraud attacks targeting financial services. Attackers compromise legitimate customer accounts, allowing them to appear as legitimate customers to move funds or enroll new payees. These sophisticated, multi-stage attacks often begin long before a fraudulent payment is attempted.
Adversarial AI is increasing the speed, scale, and sophistication of these attacks. Fraudsters can automate reconnaissance, generate convincing phishing campaigns, evade traditional controls and rapidly adapt their techniques. Preventing modern account takeover requires continuous assessment of risk from login through the customer journey, detecting account compromise early and disrupting attacks before they reach the payment stage.
Industry- leading accuracy in account takeover detection
Outseer combines the breadth of journey-aware intelligence with the depth of rich native signals. Risk is evaluated using behavioral, device, identity and contextual data, and continuously evaluated across account creation, login, authentication and digital banking activity, building progressively richer context over time.
Advanced machine learning, a unified risk engine and a highly configurable Policy Manager transform this intelligence into consistent, explainable risk assessments.
FIDO Passkeys
Behavioral Intelligence
Device Intelligence
Customer & Context
Fraud Decisioning
Stronger Account Protection
Outseer combines deep fraud prevention expertise with decades of experience in risk-based authentication, making authentication an integral part of fraud prevention rather than a standalone security control. This unified approach continuously assesses risk and applies the appropriate level of step-up throughout the customer journey.
As part of its authentication portfolio to protect bank accounts, Outseer delivers phishing-resistant, banking-grade FIDO authentication. Combined with behavioral, device, contextual and fraud intelligence, Outseer assesses the risk behind every authentication attempt, not just whether a credential is valid. This prevents account takeover attacks by identifying suspicious login activity before access is granted, while delivering strong authentication with less customer friction.
Outseer Differentiators
Why Financial Institutions Choose Outseer
Outseer helps banks identify account takeover earlier by building trusted customer context from login through to payment. Combining more than 20 years of account takeover expertise with journey-aware intelligence and predictive AI, Outseer enables earlier intervention, more accurate decisions and lower customer friction.
Protect every step of your customers' digital banking journey with a powerful, comprehensive fraud management platform that utilizes predictive AI and machine learning along with a powerful policy engine to help prevent fraud and ensure a more secure and streamlined digital banking journey.
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Reduce fraud, prevent scams, and protect customers with industry-leading accuracy and minimal customer intervention.
Frequently asked questions about Account Takeover
What signals are most effective for detecting account takeover?
The most effective account takeover detection combines multiple complementary signals rather than relying on any single indicator. Behavioral biometrics, device intelligence, authentication signals, digital banking activity, and consortium intelligence are continuously assessed to detect deviations from trusted customer behavior and build a comprehensive, explainable view of risk.
Why is behavioral biometrics important for account takeover prevention?
Behavioral biometrics is a crucial signal for account takeover because it verifies whether the person interacting behaves like the true account owner. A high-confidence match to a customer's established behavioral profile is a powerful trust signal, helping distinguish genuine users from attackers. This is useful when other indicators, such as a new device or unusual location, raise risk. Conversely, behavioral biometrics can identify patterns associated with fraud, including bot activity, remote access tools and anomalous user interactions that indicate an attacker is controlling the session. Combined with device intelligence, authentication signals and digital banking activity, behavioral biometrics enables more accurate account takeover detection with no additional customer friction.
Does Outseer detect credential stuffing and bot-driven account takeover attacks?
Yes. Behavioural biometrics identifies automated interaction patterns associated with bots and credential stuffing; device, location, and velocity signals add further separation from legitimate sessions.
Does Outseer detect device based fraud (malware, rooted/jailbroken devices, compromised browsers)?
Yes. Dedicated device-data collection SDKs on web and mobile feed our Device Identity Model, including malware detection and rooted/jailbroken/emulated device indicators. Its output is consumed natively by our risk models to raise or lower the risk of each transaction.
Does Outseer detect identity theft and synthetic identities to protect accounts?
Yes. Outseer uses identity, account, device,m and consortium evidence to detect misuse of legitimate identities from login onwards. It also uses reported fraud, device intelligence, and consortium entity reputation to help surface fabricated identities that reuse devices, IPs, or user details already associated with confirmed fraud across the network.