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 для отрасли «fraud prevention»
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