Fraud Protection
Apply adaptive MFA and passkeys to reduce fraud across customer accounts while keeping the experience seamless.
The challenge
Fraud teams face pressure to reduce losses from account compromise and unauthorised transactions, but heavy-handed verification frustrates genuine customers and increases abandonment. The challenge is applying strong authentication precisely where fraud risk is elevated, using signals that distinguish likely fraud from normal customer behaviour.
Key capabilities in this use case
Risk-based MFA triggers
Apply step-up verification based on transaction value, account history or behavioural anomalies rather than a blanket policy.
Passkey-backed high-risk actions
Require a phishing-resistant passkey confirmation for the actions most associated with fraud, such as changing contact details.
Unified fraud signal use
Feed device, network and behavioural signals into authentication decisions rather than treating fraud and auth as separate systems.
Rapid rule iteration
Adjust fraud-related authentication rules quickly as new attack patterns emerge, without a redevelopment cycle.
Core capabilities
Rules engine
No-code configuration of fraud-triggered authentication challenges.
Passkey and MFA options
Range of verification strengths for different risk levels.
Pre-built components
Rapid deployment across web and mobile applications.
Event logging
Detailed record of triggered challenges for fraud analysis.
Stepping up verification on a high-risk transaction
An online lender wants to reduce losses from fraudulent loan applications submitted using stolen identities. It configures Authsignal's rules engine to trigger a passkey or biometric challenge whenever an application is submitted from a device or network profile inconsistent with the applicant's stated location, or when multiple applications share suspicious device characteristics. Genuine applicants using their own device pass through without extra steps, while flagged applications require a stronger identity confirmation before proceeding. The fraud team reviews outcomes weekly and adjusts the triggering thresholds as new patterns emerge.
- 1Application flagged by device or behavioural risk signals
- 2Passkey or biometric challenge triggered before submission
- 3Fraud team reviews and tunes rule thresholds
Expected outcomes
- Reduced fraud losses on flagged transactions
- Minimal friction for genuine, low-risk customers
- Faster iteration on fraud rules as patterns shift
- Better visibility into fraud attempt patterns
How CyberLane helps
CyberLane works with fraud and risk teams to identify which actions and signals should trigger step-up authentication, and helps configure Authsignal's rules engine to reflect the organisation's specific fraud patterns.
- Fraud signal and trigger review
- Rules engine configuration support
- High-risk action inventory
- Ongoing rule tuning framework
CyberLane is independent and works on the decision rather than the deployment. Product-specific delivery is coordinated with the vendor or a qualified implementation partner.
Official vendor sources
Content is paraphrased independently by CyberLane from Authsignal's public use-case pages for evaluation purposes; it is not an Authsignal publication.
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