Information Security and Technology
Financial Crimes and Fraud Risk
What We Offer
search icon
exit icon
Information Security and Technology
Financial Crimes and Fraud Risk
search close button
Infographic
November 9, 2026

7 green flags to look for in a digital campaign marketing platform

A Practical Checklist for Banks and Credit Unions Evaluating Personalization, Targeting, and Digital Engagement Capabilities

JH-DigitalBanking-GenLeads-JHIntercept-FY27-RDP-Infographic-AccountholderVsFraudster-1420x900

Executive Summary

  1. Many fraud attacks occur after login using stolen credentials or social engineering.
  2. Traditional fraud tools focus on authentication, but risk can emerge throughout the digital banking journey.
  3. Monitoring device, behavioral, account, and transaction signals helps identify suspicious activity early.
  4. Risk-based fraud strategies strengthen security while preserving the accountholder experience.
  5. Modern fraud prevention requires continuous visibility beyond the login event.

the challenge

As fraud tactics evolve, many attacks now occur after successful authentication through stolen credentials and social engineering. Financial institutions need visibility beyond the login event to identify suspicious activity while maintaining a positive accountholder experience.

Legitimate Accountholder

Login ↓ Reviews balances and transactions ↓ Pays bills or transfers funds ↓ Manages accounts ↓ Continues normal banking activity
Result: Positive digital banking experience

Possible Fraudster

Obtains credentials ↓ Successfully logs in ↓ Changes contact details or adds a new device ↓ Initiates unusual activity

Result: Potential fraud loss

The Risk Isn’t Always at Login

Traditional fraud solutions focus on keeping bad actors out. But today’s fraud may occur after authentication – making behavioral monitoring, risk scoring, and anomaly detection crucial.

risk signals to watch for

Device Signals

  • New device

  • Unrecognized location

  • Device reputation concerns

Behavioral Signals

  • Unusual login activity

  • Abnormal navigation patterns

  • Session anomalies

Account Signals

  • Unusual credential change activity

  • Profile updates

  • Contact information changes

Transaction Signals

  • Large transfers

  • New payees

  • High-dollar transactions

what modern fraud teams need

✔ Multiple fraud signals in one view

✔ Simplified risk scoring

✔ Configurable fraud policies

✔ Visibility into suspicious behavior

✔ The ability to test strategies before deployment

fraud doesn’t always start with a failed login

The most dangerous fraud attempts can look like legitimate activity initially. Modern fraud prevention requires visibility across the entire digital journey, not just your front door.

Jack Henry Intercept™ is designed to help identify and minimize fraud even after credentials have been compromised. It includes multi-provider signal ingestion, normalized risk scoring, configurable policies, and observation mode testing.

Learn how your institution can elevate your fraud strategy with a modern, risk-based approach.

floating background gradient

contact us