Account Takeover Prevention

Real-time account takeover detection and protection

Protect customers across the entire digital journey by linking login, behavioral events, and payments into one continuous account takeover (ATO) defense.

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Challenges

Why Account Takeover Risk Is Growing?

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Authentication Gaps Are Being Exploited
Fraudsters use social engineering, phishing, and device spoofing to bypass weak or outdated login controls.
Stolen Credentials Are Easy to Access
Billions of compromised usernames and passwords on the dark web fuel large-scale credential stuffing and brute-force attacks.
ATO Attacks Are Hard to Detect in Real Time
Modern ATO tactics mimic genuine customer behavior, making them difficult for legacy fraud tools to spot before damage is done.
How FOCAL facilitates this use case

How we stop account takeovers across the journey?

FOCAL Enterprise Fraud Management unifies device, behavioral, and transaction fraud signals into a single risk engine that spots and stops ATO attempts from first login through high‑risk transactions.

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Depicting AI-native platform

Establish Persistent Digital Identity

  • Creates persistent Universal ID at first interaction to bind devices, sessions, and channels.
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  • Flags emulators, rooted devices, spoofing, VPNs, and risky histories using device fingerprinting.
Depicting AI-native platform

Detect Abnormal Login Behavior

  • Analyzes keystrokes, navigation, and velocity to separate genuine users from bots and scripts.
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  • Compares sessions against Universal ID history to surface anomalous devices and locations.
Depicting AI-native platform

Monitor Behavioral Changes

  • Tracks behavioral changes, password resets, credential changes, device binding, and beneficiary onboarding among other signals in real time.
  • Triggers step-up auth or controls for risky sequences like rapid account and beneficiary changes.
Depicting AI-native platform

Block High‑Risk Transactions

  • Scores outbound transfers, card usage, and wallet activity using session, device, behavior, and payment signals.
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  • Reviews, Rejects, or routes suspected transactions while approving low-risk ones instantly.
Benefits

Stop Account Takeovers Before They Become Losses

Significantly Reduce ATO-driven Losses
Detect and intervene on risky logins, behavioral changes, and payments in real time, so takeovers are stopped before funds leave customer accounts.

Expose Hidden ATO and Scam Journeys
Correlate device, behavioral, and event signals to uncover coached sessions, remote-access abuse, and multi-step takeover paths that point tools miss.

Reduce False Positives, Prioritize True Risk
High-precision rules and ML models reduce false positives from legitimate travel and logins, so fraud teams focus on real threats.

Accelerate Safe Customer Journeys
Continuously verify trusted users in the background, keeping everyday logins and payments seamless while only introducing friction when ATO risk is high.
Advantages

Why Businesses Choose FOCAL?

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Experts in digital fraud across KSA and MENA, aligning controls to local customer behavior, attack patterns, and regulations.
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Dedicated 24/7 support from fraud specialists to keep your detection strategies and journeys tuned as threats evolve.
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Unified fraud platform that delivers a single risk view across channels, products, and customer touchpoints.
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Intelligent decisioning that combines multiple risk signals into clear, explainable outcomes for operations and compliance teams.
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Partner services for implementation, rule design, and ongoing optimization, effectively extending your in‑house fraud team. 

Industries

Industries We Protect

FOCAL is built to protect digital platforms from modern fraud across onboarding, in‑app journeys, and payments.

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Banks
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Fintech
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E-commerce & Marketplaces
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Subscription Services
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Travel
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Governmental Agencies
Testimonials

Real Results from Real Teams

Hear how FOCAL is helping compliance teams work faster and reduce risk.

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Fair to say that FOCAL’s sanction screening solution is straightforward, reliable, and always available. Not to mention FOCAL’s professional and friendly account managers and subject-matter experts who guided us through the entire process.

Hashem Sbeitan
Risk & Fraud Director

FOCAL has proven to be an invaluable asset for us, resulting in more than 87% reduction in our onboarding time and enhancing our operational efficiency. This has allowed us to easily onboard new customers and grow confidently.

Ali Alshamrany
Risk & Fraud Director

FOCAL allows us to be compliant quickly. We use FOCAL to automate the screening of our customers with relative ease. FOCAL’s ever-evolving offerings never fail to surprise us, and it gives us confidence in the product’s ability to keep up with rising expectations of both regulators and customers.

Hussein Hejles
Director of Compliance
FAQ’s

Frequently Asked Questions

  • Can FOCAL differentiate between genuine customers and bots or scripts?

    Yes. FOCAL uses behavioral and device signals to detect automated or scripted activity, unusual typing and navigation patterns, and abnormal login velocities.

  • How does FOCAL handle trusted customers who travel or change devices?

    FOCAL’s Universal ID and risk engine learn normal patterns over time, allowing trusted customers to continue transacting with minimal friction while still flagging truly anomalous behavior.

  • Can I control when to challenge, block, or allow a session?

    Yes. You can define rules and thresholds that dictate when to apply step‑up authentication, reject a session, or route it for review based on your risk appetite and policy.

  • How does FOCAL reduce false positives in ATO detection?

    By fusing device, behavioral, and payment context, FOCAL focuses on alerts on sessions that truly diverge from a user’s historical patterns, shrinking noise and letting operations focus on real threats.

    • Protect Every Step of the Customer Digital Journey

    Secure logins, in‑app sessions, and payments in real time with FOCAL Enterprise Fraud Management.

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