Increase approvals while reducing losses

Uncover a coordinated account takeover fraud ring in action and learn how it was stopped using behavioral, device and network intelligence.

Key insights:

• Fraud rings operate with structured roles to efficiently execute account takeover attacks
• Compromised accounts can be connected across devices, revealing coordinated activity
• Behavioral, device and network intelligence expose fraud signals traditional tools miss
• Stopping ATO requires identifying and dismantling the full fraud ring, not just individual logins

Education Credit Union modernized underwriting with Experian’s Advanced Decisioning—driving faster decisions, stronger approvals, and rapid ROI in a competitive market.

• 5-month payback period
  
• 4.4% lift in performance & funding
  
• $4M+ incremental originations

Bayesian Optimization offers a more efficient way to tune machine learning models at scale. This white paper presents a controlled comparison with Grid Search using production credit-risk data to measure runtime and model performance.

• Up to 80× faster hyperparameter tuning
• No loss in CV or holdout AUC
• Evidence from LightGBM credit-risk models
• Guidance for governed ML environments

This tip sheet explores where fraud can enter the customer lifecycle and how predictive fraud risk scores help distinguish fraud from true credit risk and help you:

• Reduce first-payment default and bust-out fraud
• Detect synthetic identities earlier
• Improve prescreen and campaign ROI
• Strengthen account management decisions