Best Practices for Controlling Account Takeover (ATO) with Risk Scores

Account takeover fraud involves criminals gaining unauthorized access to digital accounts, altering details such as contact information, passwords, cards, or authorized users, and then conducting unauthorized transactions that can cause financial losses and damage customer relationships. Organizations must balance fraud prevention with a low-friction experience for legitimate users, particularly as sophisticated attacks can evade traditional controls such as device fingerprinting and IP-based policies. The piece identifies account-profile changes, including updates to email addresses, phone numbers, and physical addresses, as an underused opportunity to assess risk before fraudsters can redirect control of an account. It recommends evaluating the risk and correlation of identity elements and device signals across key customer interactions, including sign-ups, logins, account updates, and high-value transactions. Socure promotes its Email RiskScore, Phone RiskScore, and Sigma Device products as tools intended to help organizations protect these processes while preserving customer convenience.

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