OSINT for Fraud Prevention
Sub-second risk signals on every login, signup, and transaction — without adding friction to legitimate users.
Overview
Fraud teams operate under brutal constraints: catch the 0.5% of bad transactions in a flow that processes millions of legitimate ones per day, with sub-second latency budgets. Skopio fills the OSINT layer of the modern fraud stack: digital-footprint scoring, breach exposure, phone/email reputation, synthetic-identity signals.
Pair Skopio with device-fingerprinting (Sift, Forter), behavioral biometrics (BioCatch), and traditional bureau data (TransUnion, Experian) for a complete picture. Skopio's API is built for sub-second p99 latency at scale, with regional endpoints to minimize round-trip.
4 concrete fraud prevention workflows
Real scenarios, real outcomes.
Account-opening fraud screening
Marketplace receives 50K signups/day; legitimate-to-fraud ratio 200:1; current vendor-bureau-only screen misses synthetic identities.
Skopio adds digital-footprint check (does this email/phone have multi-year history?). Synthetic-fraud catch-rate +38%, false-positive-rate +0.3%. Net: 91% of synthetic-identity attempts blocked at signup.
Transaction-time risk scoring
Real-time fraud score required at checkout, < 200ms budget.
Skopio's risk-score API returns email + phone + IP-network risk in 80-150ms p99. Integrates as additional feature in existing risk model.
Account-takeover early warning
Customer email appears in newly disclosed breach corpus.
Skopio breach-watch fires webhook within hours of breach publication. Fraud team forces password reset + step-up MFA on at-risk accounts. ATO attempts pre-empted.
Refund-abuse pattern detection
Suspected refund-abuse ring: 50 customers, similar refund patterns, different addresses.
Skopio reverse-checks all 50 phone+email pairs — finds 38 share linked social handles to a Telegram group dedicated to refund-abuse strategies. Pattern documented; chargeback pre-empted on ring.
For US fraud-prevention use, FCRA may apply when OSINT data is treated as a 'consumer report' for credit, employment, or insurance decisions. For pure transaction-fraud and account-opening fraud (non-FCRA), use is more straightforward. EU operations are GDPR-aligned with AMLD6 / fraud-prevention legal basis.
Frequently asked questions
Latency at scale?+
Skopio's risk-score endpoint is built for sub-200ms p99 with regional caching. Full multi-source query is 600-1500ms p99 — used for non-real-time flows (signup review, dispute investigation) where deeper signal matters more than latency.
How do you avoid GDPR friction in EU?+
Skopio queries hashed inputs where possible, sources only public data and disclosed breach corpora. Legal basis is typically legitimate-interest (fraud prevention is explicitly recognized in GDPR Recital 47) or AMLD6 obligations.
Can we A/B test Skopio addition to our model?+
Yes — most customers run shadow-mode for 30-90 days (Skopio scores logged but not used) to measure lift before going live. Enterprise plan includes assist with shadow-mode analysis.
Pricing for a 50M-MAU marketplace?+
Custom Enterprise pricing. Typically tier with monthly query allowance, overage rates, regional endpoints, and SLA. Contact /support.
Do you have webhooks for breach updates?+
Yes — breach-watch service emits webhook within hours of new breach corpus disclosure. Includes affected emails from your monitored customer base.
Skopio لقطاع fraud prevention
ابدأ مجاناً أو تحدّث مع فريقنا حول باقة Enterprise.