# Fraud Prevention Stronger AI defenses, deeper trust Protect your institution and customers from the fraud tsunami with AI-powered, real-time prevention from Hawk. Increase precision to minimize losses without increasing customer friction. ## Next-gen fraud detection & prevention solution Stop fraud, without stopping legitimate customers While attackers use adversarial AI to outsmart defenses, your fraud prevention systems struggle — burdened by rigid detection, high costs, and false positives that frustrate customers and strain teams. Future-proof your defenses with AI that intervenes before fraud takes flight. Hawk’s AI-native fraud prevention software protects revenue and customer trust by detecting both known threats and anomalies — all while cutting false positives. Self-serve rules pair with AI precision, giving your team the agility to outpace flash fraud and stop threats in real-time (150 ms average). ## The Hawk Difference Discover how Hawk raises the bar for AI-driven, real-time fraud prevention ### The Traditional Way - Ineffective, generic AI fraud typology models - Reliance on external support to manage rules, delaying response time to fraud attacks - Fragmented coverage with a separate fee for each payment type - Offline or lab model simulation that relies on stale data - Disjointed systems that force teams to juggle multiple tools - Outdated user interface and black-box AI that slows down case review ### The Hawk Way - **Day one defense models** for personalized protection at speed - **Agile self-serve rule management** and optimization - **No extra fees per rail or seat**; get full access and protection across payment rails - **Production-grade sandbox** with live data for faster, more reliable testing - **Consolidated fraud solution** with common tools, like check image analytics, pre-integrated - **Sleek interface and unified case management** with contextual AI explanations that cut review time and customer friction ## Product Suite Real-time fraud detection that protects your customers from the get-go ### Transaction Fraud Monitor transaction behavior to detect fraudulent patterns across all channels and payment methods ### Check Fraud Stop fraud before checks clear with AI-driven image forensics and cross-channel check fraud protection ### Scams & Mules Monitor transactions in real-time to spot scammers, flag mules, and shield victims ### Analytics Studio Streamline the entire AI lifecycle with self-service, regulator-ready model development that eliminates technical bottlenecks and documentation burdens ### Alert & Case Management Get a holistic view of your alerts and maximize efficiency with a unified case manager ## Use Cases ### Stop known fraud threat vectors with AI precision - APP Fraud - Account Bust Out - Merchant Fraud - Chargeback Fraud - Money Mules ### Authorized Push Payment Prevent victims from sending payments to scammers, based on behavioral signals​ - Real-time monitoring of payee relationships and transactional flow to identify potential coercion or scams - Behavioral analysis to detect deviations from typical patterns - Contextual risk scoring that assesses the recipient's history and risk profile ### Account Bust Out Stop fraudsters from maxing out credit and cashing out, leaving your institution counting the losses​ - Continuous monitoring of credit lines and account usage for rapid, uncharacteristic spikes in activity - Behavioral biometrics to flag sudden changes in user login patterns and device usage ### Merchant Fraud Identify fake merchants through behavioral comparison with peer merchants - Real-time transaction monitoring to identify unusual transactions - AI model that dynamically assesses a merchant's chargeback rate and transaction history ### Chargeback Fraud Cut losses from friendly fraud with ease by pinpointing clients with a pattern of false claims​ - Automated analysis of chargeback history to identify repeat offenders or suspicious patterns - Cross-channel monitoring to build a holistic picture of customer risk ### Money Mules Stop mules, witting and unwitting, from moving dirty money through your accounts​ - Behavioral analytics to flag accounts with high volumes of incoming funds from disparate sources - AI analytics to identify skimming or commissions on mule activities ## Hawk's AIDay One Defense Models: How to get tailored fraud prevention AI models quickly Hawk's Day One Defense Models are AI typology blueprints fine-tuned to the specific needs of each financial institution, to deliver hyper-personalization, fast deployment, and high accuracy. ## Milestones & Recognition Leading the Industry Forward Learn how Hawk's AI-fueled technology is driving the future of AML & CFT, according to customers and industry experts. ### Hawk Named “Technology Standout” in New Celent Anti-Fraud Solutions Report ### Bundesbank Strengthens Fraud Prevention with Hawk Technology ### Hawk Named A Category Leader in Chartis Enterprise and Payment Fraud Report ## Industries Industry-specific protection, instant results Neutralize your threats with personalized prevention, using AI models built with deep domain expertise. - Banking - Payments - FinTech - Neobanks ### Banking Fraud prevention for the modern banking sector Defend your institution, cull losses, and drive operational efficiencies. Hawk’s cross-rail, cross-channel fraud platform slashes customer friction and frees your teams to catch more fraudsters. ### Payments Real-time fraud detection that adapts to your needs Safeguard your transactions and your revenue with real-time fraud detection built to keep pace with high-speed, cross-border payments. ### FinTech Flexible fraud prevention for the FinTech industry Accelerate growth and build trust with a flexible, API-driven solution that scales as fast as you do. ### Neobanks Scalable fraud solution built for rapid growth Stop fraud rings and account takeovers without compromising on seamless user experience. ## Frequently Asked Questions Want to know more? ### What is a fraud detection solution? A **fraud detection solution** is a set of technologies and processes used to identify and block deceptive transactions or account activity. Modern solutions leverage **machine learning** and **real-time data analytics** to move beyond static rules, allowing financial institutions to detect sophisticated threats like **account takeover (ATO)** and **Merchant Fraud** without increasing customer friction. ### What features are essential in modern fraud prevention software? When evaluating **fraud prevention software**, key features include: - **Explainable AI:** Providing a clear "reason code" for every alert to assist human investigators. - **Real-Time Performance:** Ability to score and decision transactions in under 200 milliseconds. - **Modular Architecture:** The flexibility to add or remove specific fraud scenarios (like APP fraud or Card fraud) as threats evolve. - **Unified Case Management:** An intuitive dashboard that allows analysts to investigate and resolve alerts within a single environment. ### What’s the difference between legacy and modern fraud detection platforms? The shift from **legacy fraud systems** to a **modern fraud detection platform** represents a move from reactive, rule-based filtering to proactive, behavior-driven intelligence. While legacy systems rely on "if-then" logic that flags any transaction exceeding a specific limit, a modern platform analyzes the **intent and context** behind every action. | **Feature** | **Legacy Fraud Systems** | **Modern AI-Native Platform** | | --- | --- | --- | | **Detection Engine** | **Static Rules:** Hard-coded thresholds that are easy for fraudsters to bypass. | **Machine Learning:** Dynamic models that evolve with shifting fraud patterns. | | **User Experience** | **High Friction:** High false-positive rates frequently block legitimate customers. | **Low Friction:** Precision scoring reduces false positives by up to 70%, ensuring a smooth journey. | | **Response Time** | **Batch Processing:** Often detects fraud after the funds have already left the institution. | **Real-Time Decisioning:** Scores and blocks fraudulent activity in under 200 milliseconds. | | **Data Visibility** | **Siloed Views:** Monitors card, ACH, and logins as separate, unrelated events. | **Unified Holistic View:** Connects cross-channel data to identify complex "hop-over" fraud. | | **Analyst Workflow** | **Manual Heavy:** Investigators spend 90% of their time clearing "noise" and false alerts. | **Explainable AI:** Provides clear "reason codes," allowing analysts to focus only on high-risk cases.