Online Fraud Prevention Featuring Behavior and Transaction Monitoring

FraudMAP Online allows institutions to leverage the most important advantage they have over cyber criminals – deep knowledge of individual account holder behavior. Using sophisticated transaction and behavioral monitoring capabilities plus easy to use investigation tools, FraudMAP Online enables institutions to proactively identify account takeover and fraudulent ACH, wire, bill pay, and other transactions before money is transferred.

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Anomaly detection monitors individual online banking behavior looking for suspicious activity that doesn't match patterns previously established by each account holder. To learn more see our white paper,
A Practical Guide to Anomaly Detection.

FraudMAP Online uses Behavioral Analytics which, unlike some anomaly detection solutions, individually monitors every online banking user and session. This results in the best possible fraud detection with the least possible false positives. (See graphic for how anomaly detection works at the individual account holder level to detect fraud.)

FraudMAP Online delivers holistic security and transparently protects all retail and business banking account holders from the widest range of existing and emerging threats without impacting the end-user experience.

As a Software as a Service solution, FraudMAP Online is low cost to deploy and no cost to maintain. Institutions can deploy FraudMAP Online quickly with little to no support from IT.

FraudMAP Risk Engine

Dynamic Account Modeling Catches What Others Miss - The FraudMAP Risk Engine uses Dynamic Account Modeling™, our proven behavioral analytics technology to distinguish legitimate from suspicious behavior. The FraudMAP Risk Engine maintains a dynamic model of typical behavior for each online account holder and performs a holistic evaluation of all activities in every online session, from login to transaction, looking for deviations from expected behavior to identify fraud. There are no rules to write and maintain, and no algorithm training required.

Protecting Against The Widest Array of Threats, Including Man-In-the- Browser - Because FraudMAP Online is looking for deviations from expected account holder behavior, not just for specific fraud patterns or attack types, it proactively detects the widest array of business and retail account takeover and fraud attempts, including the most sophisticated forms of Man-In-the-Browser.

Maximum Detection with Minimal Alerts - The focus on individual account holder behavior means FraudMAP alerts only when something unusual happens for that particular user. This minimizes workload for fraud analysts and keeps them focused on the highest priority real threats.

FraudMAP Risk Application

Rapid Investigation and Forensics Using Rich Context - FraudMAP Online delivers alerts via an intuitive, visual interface to power investigation, resolution, and risk monitoring. The FraudMAP Risk Application displays detailed views of online account activity - session by session - with fine-grained risk scoring. Sophisticated investigation tools and visual forensics return session-specific context and detailed customer history, helping to detect coordinated attacks by correlating activity across accounts.

Process Management - Case management tools allow investigators to track any incident, manage related workflows, and analyze fraud case histories on an individual or aggregate basis.

Risk Impact Analysis and Trending - Reports on the effectiveness of fraud controls trended over time, increasing the risk management organization's understanding of risk levels, supporting due diligence and regulatory compliance directives with auditable results.

Employees Throughout the Organization - Your fraud team, risk analysts, management, security, even business operations use this interactive application to support all aspects of fraud prevention, analysis, investigation, forensics, and risk management, as well as customer service, audit, and compliance.

More Information:

Only Guardian Analytics offers purpose built applications to address the unique challenges of preventing fraud in retail and business banking environments.
FraudMAP Online for Retail Banking
FraudMAP Online for Business Banking