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A major global bank with over $1 trillion in assets and tens of billions of digital interactions annually operates in one of the highest-stakes environments for account security, customer trust, and regulatory compliance.

Top Bank Stops ATO and New Account Fraud — Case Study

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Case Study

Top Bank Stops ATO and New Account Fraud

A major global bank with over $1 trillion in assets and tens of billions of digital interactions annually operates in one of the highest-stakes environments for account security, customer trust, and regulatory compliance.

THE CHALLENGES

  • Persistent ATO and New Account Fraud: Sophisticated bot networks used stolen credentials and dark web data to launch credential stuffing attacks and create fake identities for loan application fraud.
  • Legacy Solution Creating Friction: The incumbent CAPTCHA-focused tool failed to deter automated attacks while simultaneously degrading the experience for legitimate customers — the worst of both outcomes.
  • Federal Compliance Requirements: As a heavily regulated institution, the bank required verifiable privacy, security, and data management certifications to meet federal banking law obligations.

THE ARKOSE TITAN SOLUTION

  • Precision Targeting on Login and Sign-Up: Arkose Titan classified traffic by intent in real time, letting legitimate customers through unimpeded while isolating and enforcing against high-risk sessions.
  • MatchKey Enforcement Challenges: Adaptive step-up challenges defeated both automated bots and human fraud farms, progressively eroding attack profitability without disrupting good users.
  • 24/7 SOC + Custom Threat Intelligence: A dedicated managed services team provided continuous tuning, real-time attack monitoring, and custom insights to keep defenses ahead of evolving threats.
  • Full Compliance Certification Coverage: ISO/IEC 27001, 27002, 27018, 27701, Type II SOC 1 & SOC 2, and ISAE 3402 certifications met all federal banking privacy and security requirements.
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The incumbent CAPTCHA-focused tool failed to deter automated attacks while simultaneously degrading the experience for legitimate customers — the worst of both outcomes.

BUSINESS RESULTS

  • Significant Decrease in Automated Attacks: Bot-driven ATO and new account fraud dropped sharply across login and sign-up flows following deployment.
  • Drastically Improved Customer Experience: Legitimate customers received a seamless digital banking experience instead of the friction-heavy legacy approach.
  • Full Federal Banking Compliance Achieved: All required privacy and security certification standards met, eliminating regulatory exposure tied to the previous solution.
  • Unified Defense Across All Threat Types: Automated bots, skilled cybercriminals, and human fraud farms addressed within a single platform deployment.

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Arkose TitanAgent Trust ManagerDevice IDBot ManagerEmail IntelligencePhishing ProtectionScraping ProtectionArkose Edge

SOLUTIONS

Account TakeoverFake Account CreationSMS Toll FraudAPI SecurityMFA Compromise

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