Mule Detection
Stop mule cash-outs before funds leave the bank
Real-time detection combining transactional data with behavioral signals
Mules are the backbone of fraud and scams
Money mule activity is a growing threat that harms the entire financial ecosystem. It enables fraud and scams that drain victims’ funds, while separately exploiting vulnerable individuals who are coerced or deceived into moving illicit money.
As regulatory scrutiny increases and fraud losses escalate, financial institutions are under mounting pressure to detect and disrupt mule activity before stolen funds leave the bank. Shutting down mules is no longer a discretionary use case, it is critical to protecting customers, safeguarding payment systems, and reducing downstream financial crime.
Multi-layered detection and risk scoring
Outseer helps banks prevent mule-enabled losses by detecting and interrupting illicit cash-outs in real time.
We combine transactional data with non-transactional, device, and behavioral signals to create a mule risk score. Advanced machine learning detects signs of complicit, witting, and unwitting mules. The risk scoring produces clear, explainable outcomes with top risk contributors to support confident decisions.
Outseer moves mule detection out of retrospective financial crime analysis and into live fraud prevention workflows. Designed to run through existing fraud teams, the platform delivers faster time-to-value, regulatory defensibility, and precise decisions that stop losses at the true fraud choke point: cash-out.
Journey-aware intelligence for mule detection
Mule behavior doesn’t appear in a single moment, it develops across the digital banking journey. Outseer continuously assesses risk from login and account management through to payment. This builds progressive confidence in the risk assessment as context accumulates.
By evaluating behavior within journey context and anchoring decisions at cash-out, banks can intervene when confidence is highest. This stops illicit payments while minimizing disruption to legitimate customers.
Outseer Differentiators
Why financial institutions choose Outseer
Outseer co-created its mule detection capabilities with fraud teams and data scientists at top-tier banks, using real-world data and live production use cases. The result is high-accuracy detection that clearly separates genuine customers from mule activity. It is delivered through a scalable machine learning platform that integrates seamlessly into existing fraud prevention operations.
- Real-time risk scoring at outbound payment: Action taken when accumulated signals are strongest and the financial loss occurs.
- Unified multi-signal decisioning: Combines transactional, behavioral, device, and non-transactional data.
- Comprehensive mule typology coverage: Precise detection of witting, unwitting, and complicit mules.
- Built for fraud teams: Fast time-to-value using existing fraud signals and lower operational friction than traditional approaches.
- Adaptive by design: Feature weights can be tailored to each bank’s unique patterns to maximize detection performance.
- Unified risk view: One platform to identify unauthorized transactions, scams, and mule activity across the customer journey.
Outseer Fraud Manager
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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