Fraud prevention field notes

Practical articles on fraud APIs, AML screening, event monitoring, and launch readiness for regulated products.

AML Screening / 4 min read

Ongoing AML Monitoring When Watchlists Change

A clean onboarding screen goes stale. Re-screen when lists update, keep the same external id, and send overnight hits to REVIEW.

Fraud Detection / 3 min read

Allowlists and Denylists in Fraud Operations

Denylists fail closed on confirmed-bad identifiers. Allowlists exempt known-good ones. Keep REVIEW in the middle so lists do not become your only policy.

Fraud Detection / 4 min read

VPN Detection Without Blocking Legitimate Travelers

VPN and proxy detection is a REVIEW signal. Combine it with device history and login velocity instead of declining every privacy-conscious customer.

Fraud Detection / 3 min read

Detecting Multi-Accounting with Device Intelligence

Multi-accounting farms bonuses and mule rails. Link one device fingerprint to many customer ids, then REVIEW clusters before you BLOCK a family iPad.

Fraud Detection / 4 min read

Device Fingerprinting for Account Takeover in Fintech

How to use device fingerprints, login events, and REVIEW routing to catch ATO without treating every new device as fraud.

Fraud Detection / 3 min read

Stopping Credential Stuffing with Login Velocity and Device Context

Credential stuffing is leaked passwords at login scale. Count failures per IP and device, pair novelty with velocity, and list confirmed-bad fingerprints.

Fraud Detection / 4 min read

Velocity Checks That Stay Explainable

Write velocity rules with an identifier, action, window, and threshold so operations can defend ALLOW, REVIEW, and BLOCK decisions.

Fraud Detection / 4 min read

ALLOW, REVIEW, BLOCK Without a Black-Box Score

Ship 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.

AML Screening / 4 min read

Watchlist Screening vs OFAC Screening

OFAC is one sanctions list family. Watchlist screening is the broader control. Build the API workflow for both, and do not treat a possible match as a legal block.

Tutorial

Configure a Webhook Feedback Loop

Connect Naiza webhooks to your case workflow and send investigation feedback back into the API.

Tutorial

Integrate AML Screening and Event Polling

Screen a customer, send AML events, and poll event results using the tenant-scoped externalEventId.

Tutorial

Send Fraud Events to Naiza

Build the event ingest call, include session context, and use the returned decision in your product workflow.

AML Screening / 4 min read

KYC vs AML Screening: What Each Control Actually Does

KYC verifies who the customer is. AML screening checks watchlists. You need both, and an AML API is not a document KYC product.

Risk Operations / 4 min read

Webhook Retries and Idempotency for Risk Decisions

Accept the webhook quickly, persist the ids, and make every case update safe to retry so a second delivery does not open a second case.

AML Operations / 4 min read

Shadow Mode vs Enforcing for AML Pilots

Watch screening volume in shadow before you hold activation or payouts. Enforce only after the review queue matches the team you have.

Launch Readiness / 4 min read

Fraud API Launch Checklist for Regulated Products

A practical checklist for shipping fraud decisioning: event coverage, API keys, named rules, webhooks, and the first week of REVIEW.

Fraud Decisions / 3 min read

Designing Event Monitoring Rules That Stay Explainable

How to structure events, rules, and review decisions so fraud teams can understand why Naiza flagged an action.

Event Monitoring / 4 min read

Sync vs Async Event Ingestion for Fraud Decisions

Call sync when the product cannot continue without ALLOW, REVIEW, or BLOCK. Queue the event when operations can look after the fact.

AML Screening / 4 min read

How to Integrate an AML Screening API Without Slowing Onboarding

Screen during onboarding, persist the screening id, and only hold the customer when the result is REVIEW or CONFIRMED.