Credit card fraud Card-not-present fraud remains prevalent.

Today’s credit union members enjoy the freedom of accessing their accounts through a wide variety of connected devices, including mobile phones, computers, tablets and smart watches. Yet, with all the conveniences they bring, these devices also provide many points of access to members’ financial data, putting them and their credit unions at risk of falling victim to cross-channel fraud. For a long time, fraud solutions have leveraged machine learning and pre-programmed rules to catch criminals in the act. However, today’s interconnectivity has allowed fraudsters to innovate their tactics, and static rules do not prevent against new attacks.

More than a decade ago, adaptive behavioral analytics was invented in the U.K., creating the next generation of fraud prevention. By understanding individual behaviors, these analytics learn what activities are genuine and what looks suspicious.

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