Practical articles on fraud APIs, AML screening, event monitoring, and launch readiness for regulated products.
Ten transaction monitoring rules fintechs use to catch structuring, mule activity, and fast-moving funds, with the reasoning behind each and how to tune it.
Read moreA clean company record can hide a sanctioned owner. How to identify ultimate beneficial owners, which to screen, and what to do when the structure is unclear.
Read moreeKYC confirms who a customer is in minutes. It does not tell you if they are on a sanctions or PEP list. How to connect the two without slowing onboarding.
Read moreBuy now, pay later fraud starts at checkout and ends in an unpaid instalment. The account, device, and order signals that expose it, and rules that catch it.
Read moreA PEP match is not a rejection. A step-by-step checklist for confirming identity, assessing risk, and documenting enhanced due diligence on a PEP.
Read moreMoney mules rent out their accounts to move stolen funds. The onboarding, device, and transaction signals that expose mule accounts early, and what to do next.
Read moreImpersonation scams trick customers into handing over OTPs, then drain the account in minutes. The session signals that expose them before money leaves.
Read moreReduce AML false positives with full names, dates of birth, entity types, and evidence-based tuning. Track review volume and confirmed matches.
Read morePromo abuse is one person opening many accounts to claim the same reward. The device, phone, and payout signals that expose it, and rules that stop it.
Read moreSanctions lists record Arabic names in Latin script with no fixed spelling. How transliteration, name order, and common names break screening, and the fix.
Read moreA clean onboarding screen goes stale. Re-screen when lists update, keep the same external id, and send overnight hits to REVIEW.
Read moreDenylists fail closed on confirmed-bad identifiers. Allowlists exempt known-good ones. Keep REVIEW in the middle so lists do not become your only policy.
Read moreVPN and proxy detection is a REVIEW signal. Combine it with device history and login velocity instead of declining every privacy-conscious customer.
Read moreMulti-accounting farms bonuses and mule rails. Link one device fingerprint to many customer ids, then REVIEW clusters before you BLOCK a family iPad.
Read moreDevice fingerprinting catches account takeover when a known account logs in from an unknown device. Pair it with login velocity and route doubt to REVIEW.
Read moreCredential stuffing is leaked passwords at login scale. Count failures per IP and device, pair novelty with velocity, and list confirmed-bad fingerprints.
Read moreWrite velocity rules with an identifier, action, window, and threshold so operations can defend ALLOW, REVIEW, and BLOCK decisions.
Read moreShip fraud policy as three outcomes you can defend. Use scoring to rank the queue, named rules to decide, and REVIEW-first rollouts before you enforce BLOCK.
Read moreOFAC screening checks names against US Treasury sanctions lists. Watchlist screening adds UN, EU, UK, PEP, and other lists. When you need each one.
Read moreKYC proves who a customer is. AML screening checks whether that identity appears on sanctions, PEP, or other watchlists. Where each check sits in onboarding.
Read moreAccept the webhook quickly, persist the ids, and make every case update safe to retry so a second delivery does not open a second case.
Read moreWatch screening volume in shadow before you hold activation or payouts. Enforce only after the review queue matches the team you have.
Read moreA practical checklist for shipping fraud decisioning: event coverage, API keys, named rules, webhooks, and the first week of REVIEW.
Read moreExplainable fraud rules start with consistent events. How to name events, choose the fields rules read, and return decisions your fraud team can defend.
Read moreCall sync when the product cannot continue without ALLOW, REVIEW, or BLOCK. Queue the event when operations can look after the fact.
Read moreScreen at signup, store the screening ID, and hold the customer only on REVIEW or CONFIRMED. A working pattern for adding an AML screening API to onboarding.
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