Multilayered Fraud Defense: Strategies for Evolving Threats  

A Javelin Research report sponsored by TransUnion

Fraudsters are evolving — quickly. Armed with advanced tools like automated bots, synthetic identity generators and AI-powered deepfakes, they’re launching increasingly complex attacks that bypass traditional defenses. Identity-based threats, such as synthetic identity fraud, account takeover (ATO) and new-account fraud (NAF), are surging — not due to a lack of security but because existing protections often fail at critical moments.

Multilayered fraud prevention protects the entire customer lifecycle

Digital-first environments have introduced new vulnerabilities. Static identity checks, inconsistent authentication and fragmented risk detection leave gaps attackers exploit. To stay ahead, organizations need more than new tech — they need multilayered strategies that integrate identity intelligence, behavioral risk signals and adaptive identity solutions across the entire customer lifecycle.

Inside, you’ll discover how:

• Synthetic identity fraud, ATO and NAF are evolving — and why traditional defenses are failing to keep up
• Fraudsters use AI, bots and deepfakes to bypass outdated systems and launch sophisticated attacks.
• Static identity checks and fragmented risk detection can leave critical gaps — and methods to close them.
• Layered identity intelligence and behavioral analytics can protect customers from onboarding through ongoing engagement.

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