Fraud Prevention

Most fraud programs were assembled, not designed. One point solution at a time, each added when a new problem became impossible to ignore. The best onboarding tool, the best transaction monitoring solution, the best AML screener, each chosen deliberately, and every choice defensible on its own. But the stack that made sense at Series A …

A product manager, an engineer and a designer walk into a launch review. A new payment rail is scheduled to ship in three weeks, and nobody at the table works in fraud. The punchline lands a quarter later, as a loss. Every fintech product launch creates revenue and risk in the same motion. Revenue gets …

The Office of the Comptroller of the Currency (OCC) denied a national trust bank charter on July 21 and for bunq, another full-service national bank charter on August 4. In a bulletin issued June 17, the OCC said it “plans to make all denial decisions public” so that industry can see “how the OCC has …

Every eCommerce merchant closely tracks its chargeback ratio, and for good reason. Card networks set the thresholds; acquirers enforce them and breach programs, like Visa’s Dispute Monitoring Program, bring fines, monitoring and mandatory remediation plans. The signals are clear, the consequences tangible and the reporting precise enough to act on. But that precision comes with …

Generous return policies have earned their place as a reliable growth lever. They reduce purchase hesitation, lift conversion rates and build loyalty that compounds over a customer’s lifetime. Whether the sale happens at a store counter, on a website or through a third-party marketplace, finance teams understand those outcomes well enough to model them directly …

For most of the last decade, eCommerce fraud teams have had a reliable tell. Humans behave like humans at checkout. You see it in mouse movement, typing cadence, the order in which someone fills out a shipping form and how long they linger before adding to the cart. Behavioral analytics built on those patterns catches …