BioCatch, Charm Security, Feedzai and Sift

About Charm Security

Charm Security builds the Agentic AI Workforce for scam, fraud, and cybercrime prevention and resolution. Charm Security's AI Agents combine the expertise of fraud professionals and behavioral scientists. Charm Security's AI Agents are powered by a proprietary HVE AI Model for Human Vulnerabilities and Exploit Techniques. Charm Security works alongside fraud and financial crime teams.^[3][4]

Charm Security states that attackers exploit trust, fear, urgency and other human vulnerabilities to manipulate decisions and deceive victims. Charm Security built its Agentic AI Workforce with AI agents that can be deployed across the fraud lifecycle, from the back office to the frontline. Charm Security's Agentic AI Workforce supports financial institutions in moving from detection to action. Charm Security's Agentic AI Workforce combines deep fraud expertise with behavioral science to help financial institutions investigate, intervene, resolve and prevent fraud, scams and cybercrime.^[4][5][6]

Charm Security offers an AI fraud expert that supports fraud analysts and investigators by connecting signals across alerts, cases, and customer interactions. Charm Security's AI fraud expert interprets human intent and behavioral psychology. Charm Security offers an AI fraud advisor that works alongside customer-facing teams and channels, including contact centers, branches, wealth, and support. Charm Security's AI fraud advisor delivers real-time insights and guidance during high-risk interactions.^[3]

Charm Security offers an adversary-facing AI agent that operates beyond the organization's perimeter. Charm Security's adversary-facing AI agent engages scam and fraud infrastructure, impersonators, mule networks, and attacker assets to collect intelligence, uncover patterns, and disrupt operations.^[2][3]

Charm Security's AI Agents are deployed as team members across the organization, from the back office in the fraud and security teams to the frontline in customer contact centers, branches, and customer-facing representatives. Charm Security's Agentic AI Workforce deploys AI agents as expert teammates across fraud operations, contact centers, branches and digital channels. Charm Security's AI Agents start by observing and assisting as coworkers while the customer team keeps decision authority. Charm Security's AI Agents then take on low-risk actions independently as confidence grows, and over time can run cases end-to-end within the boundaries the customer team sets. The customer team controls how much authority each Charm Security agent has and adjusts it as confidence grows.^[2][3][5]

Charm Security's AI Agents handle the full arc of the fraud lifecycle, investigating cases and prioritizing risk, and intervening with customers in real time as deception unfolds. Charm Security's AI Agents execute and document the resolution while supporting recovery, and gather intelligence on fraud infrastructure and attacker patterns. Charm Security's AI Agents act as expert teammates to fraud, financial crime, security, and customer-facing teams.^[3]

Charm Security's AI agents are powered by its proprietary Human Vulnerabilities & Exploits framework, combining deep fraud and security expertise with behavioral science. Charm Security announced the appointment of Dr. Elizabeth Huppert as Behavioral Science Director. Dr. Elizabeth Huppert most recently led behavioral science and scam prevention efforts at JPMorgan Chase. Dr. Huppert works with Charm Security's customers and partners to embed behavioral science strategies into Charm Security's AI agents.^[1][3][4]

About Feedzai

Feedzai sells Feedzai RiskOps, a platform that unifies defense across the entire financial crime lifecycle. Feedzai says it serves customers from global banks to emerging fintechs and stops fraud and financial crime in real time. Feedzai says it has pioneered AI to stop financial crime for more than a decade. Feedzai RiskOps connects identity, fraud, and financial crime across the entire customer lifecycle. Feedzai says it turns fragmented signals into AI-first real-time decisions. Feedzai says it unites behavioural and device intelligence to identify abnormal behaviour and signs of manipulation early.^[1][4][8]

Feedzai's Transaction Fraud solution combines behavioral, non-monetary, and monetary data. Feedzai says the Transaction Fraud solution protects every payment channel. Feedzai's 360-View Customer Profiles use advanced machine learning and behavioral analytics to create a unique risk profile for every customer. TrustScore aggregates intelligence from Feedzai's global customer base to detect more fraud across different use cases and geographies. Feedzai says it is typology-agnostic, detecting fraud across inbound and outbound transactions, all channels and payment rails, including card fraud (CNP and POS), account takeover, synthetic identity, new account fraud, scams/APP fraud, money mules, phishing, and malware. SEB reports that, by actively monitoring transactions, it stopped more than half of all fraud attempts last year.^[6][7]

ScamPrevent analyzes scam risk using transactional, behavioral, device, and network intelligence with built-in scam strategies. Feedzai monitors active calls during incoming and outgoing payments, identifies Remote Access Tools (RATs), tracks unusually long sessions, and uses Active Defense to block risky activity. Feedzai offers scam detection models trained on large volumes of historical data to detect scam activity and reduce losses. ScamAlert is a GenAI agent that lets customers assess the legitimacy of a payment request that starts outside of the banking app.^[8]

Feedzai IQ is a suite of AI-native fraud intelligence solutions that gives financial institutions access to network-derived risk insights without replacing their existing systems. Feedzai IQ connects an institution to a global transaction network representing over $9 trillion in annual transaction intelligence. IQ Score is a real-time, AI-powered risk score that evaluates each transaction against fraud patterns observed across the global Feedzai network. IQ Signals is designed for acquirers and payment service providers, delivering pre-calculated risk indicators based on attributes such as card BIN, email domain, and zip code. Feedzai says Feedzai IQ uses federated learning to extract fraud patterns and risk signals without ever sharing raw customer data.^{[4][9][14][15]}

Feedzai RiskOps starts with Secure Onboarding, which Feedzai describes as the entry point where identity is established, intelligence begins, and risk profiles are born. With Feedzai Secure Onboarding, every signal compounds and the risk profile sharpens. Advisory-led Risk Recipes deliver preconfigured fraud strategies built on intelligence from banks across the world. Feedzai offers Digital Trust for New Account Fraud, which flags fraudulent account openings. Feedzai says it can detect fraudulent applications from bots, money mules, and synthetic or stolen identities. Feedzai's Digital Trust continuously analyzes device intelligence, behavioral biometrics, and malware threat data to authenticate customers.^[4][11]

On the anti-money-laundering side, Feedzai's AML TM solution includes a comprehensive rule library grouped into over 20 out-of-the-box scenarios. Feedzai's AML TM solution provides extensive out-of-the-box detection rules covering a wide range of typologies and potential money laundering scenarios, complemented by self-service custom rule creation. Feedzai's AML solution uses a machine learning model optimized for alert prioritization. Feedzai's built-in SAR Manager feature supports the automated generation and electronic filing of SARs, STRs, and other essential compliance reports. Out-of-the-box templates are available for the US, Brazil, UK, France, Germany, Lithuania, Malaysia, and South Africa.^[12]

Feedzai uses Neterium's API to screen customer and transactional data against Sanctions, PEPs, and Adverse Media lists. Feedzai streamlines the onboarding process by offering immediate and accurate screening against global watchlists. Customer Screening uses data providers including Acuris and LSEG (World-Check). Clients can use their own private lists for screening. Potential matches trigger alerts in Feedzai Case Manager for analyst review and alert dispensation. Feedzai's transaction screening meets strict settlement mandates, such as those of the EU IPR, with real-time interdiction on selected rails. A full audit trail is available through the Feedzai platform to show when a record was screened, against which data lists, and whether any matches were returned or not.

For acquirers, Feedzai says it detects and stops fraud, monitors merchant behavior, and delivers new revenue opportunities on a single platform. Feedzai describes protection for acquirers from onboarding to settlement. Farol is Feedzai's always-on agent, which helps fraud teams do more with less by accelerating rule analysis, investigations, and reporting. Feedzai says Farol closes alerts 20% quicker and conducts rule analysis 13x faster. Feedzai says Farol is embedded in customers' tools and workflows. Feedzai's Research team looks one to four years ahead, exploring AI, data visualization, and systems that solve tomorrow's financial crime problems.^{[1][3][4][6][7][14][15]}

About Sift

Sift sells a fraud prevention platform with automated fraud decisioning. Sift assesses risk continuously across signup, login, account activity, payments, and post-purchase abuse, and connects configurable workflows, cross-journey data, and analyst tooling into one system. Sift's platform detects and stops fraud across the entire customer journey.^[1][5][6]

Sift's platform collects customer and event data, adds global intelligence, and builds digital profiles across the user journey. Sift assesses risk using custom, industry, and global models. Sift automates responses with dynamic friction and decisioning across the entire user journey. Sift's platform uses reporting, case management, and workflow analysis. Sift Professional Services supports implementation and ongoing optimization, from project management and integration guidance to managed services for workflow auditing, model tuning, labeling, and strategic reviews. Attack Detection Agent spots, assesses, and helps teams respond to attacks.^[5]

Sift's global data network processes more than 1 trillion events annually. Custom models are tailored to individual customers' unique fraud patterns, Global models capture broader fraud trends, and ThreatClusters provide industry-specific insights derived from related cohorts. Sift Score API is a modular fraud intelligence solution that delivers real-time risk scores derived from over 1 trillion annual events and 16,000+ fraud signals accumulated over 13 years. Sift Score API connects internally-built fraud systems to the Global Data Network, with the same level of risk insight and Console access available to full-platform Sift customers. When an internal risk engine submits real-time data via API calls, such as IP address, email, device fingerprint, and transaction details, Sift cross-references that input against the Global Data Network.^[5][7]

For payment fraud, Sift analyzes every transaction in milliseconds using global data, real fraud patterns, and expert insight. Sift offers real-time scoring in under 150 milliseconds, backed by a Global Data Network of 1 trillion+ annual events and 16,000+ risk signals. For account takeover, Sift combines patented ATO risk scoring with device, location, behavioral, and network signals to uncover suspicious logins and fraud patterns. Sift shows why a login was approved, flagged, challenged, or blocked. Built-in email and SMS verification from Sift can be branded as the customer's own. For signups, Sift uses ensemble AI and ML models that combine device fingerprinting, identity signals, and insights from Sift's Global Data Network to catch fake accounts before they convert. Sift applies built-in step-up challenges only in response to suspicious activity.^[8][9][10]

Sift provides a no-code decision engine, workflow simulation, and block and accept lists that let teams test policy changes on historical traffic and launch them without a developer. Sift offers turnkey integrations with IDV, 3DS, KYC, and AML providers. Sift's console gives analysts risk summaries, network visualization, and bulk decisioning in one place. Sift Workflows run routine decisions automatically. Sift customers can deploy Payment Protection with Account Defense.^[5][8][10]

For food and delivery merchants, Sift secures transactions, accounts, and loyalty programs. Sift's gaming use case detects linked accounts and stops deposit fraud, bonus abuse, and account takeover tied to cash-out. Sift protects high-value bookings from payment fraud and account takeover for travelers. Sift's platform enables internet and software businesses selling subscriptions, digital content, or in-app items to protect revenue.^[6][11][13]

Sift Science, Inc. is the company that uses the name Sift.^{[6][12][14][15]}