Mitigate Account Takeover Fraud Through Continuous Risk Evaluation

Improve customer authentication with better risk signals

Account takeover fraud affected 5.1 million US adults in 2024

In the first half of 2025, account takeover fraud (ATO) grew 20% compared to H1 2024, as reported to TransUnion® by its customers. More severe data breaches, a surge in impersonation scams and call centers targeted by social engineering all indicate criminals are more determined than ever to steal customer credentials for financial gain.

How to protect from ATO fraud?

You must adopt a defensive stance that assumes customer account credentials are compromised. To safeguard customers from fraud or identity theft, organizations need enhanced authentication risk signals based on identity, device and account linkages. By conducting continuous risk assessments, customers can be authenticated with the right level of friction, better ensuring their protection and continued trust — without causing undue frustration.

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