Continuous customer & payment card monitoring
Start with a risk audit. Stay ahead of change.
95 billion
transactions screened annually
47%
more fraud detected
2+ billion
globally validated individuals
<1 second
to see results
See risk beyond account opening
Fideo Intelligence helps banks and credit unions establish an identity risk baseline and maintain visibility as new risks emerge. Combine a full portfolio review with checks at onboarding and account changes, daily sanctions screening, and continuous payment card exposure monitoring.
Four layers of ongoing protection
Initial portfolio risk assessment
Fideo Verify analyzes your customer account data against identity and dark web intelligence to identify potential synthetic identities, compromised accounts, and exposed payment cards. Results are prioritized by risk score, enabling your team to focus investigations and remediation efforts on the highest-risk exposures.
Event-triggered identity checks
Detect potential account takeover attempts before unauthorized changes occur. Fideo evaluates identity risk in real time when customers request account updates, providing actionable risk scores to support informed approval decisions.
Daily sanctions screening
Screen enrolled customers daily for potential sanctions matches. Flag changes for investigation and support ongoing customer due diligence.
Continuous payment card monitoring
Continuously monitor participating BINs for potential payment card exposure on the dark web, with no technical integration required. Receive actionable alerts to identify compromised cards, prioritize investigations, and take proactive measure to mitigate fraud.
How it works
Start with your portfolio and continue throughout the year
1. Establish your baseline
Provide your full customer or member file and the BINs you want monitored. Fideo Verify assesses identity risk across your base, while an initial card scan identifies current exposure.
2. Keep screening current
Submit new and updated customer records for event-triggered checks. Establish a recurring file process to keep the enrolled base current for daily sanctions screening.
3. Review ranked results and act
Use identity risk results, potential sanctions matches, and card-exposure notifications to prioritize follow-up. Your institution determines how to investigate and what action to take.
Turn monitoring into informed action
Prioritize portfolio cleanup
Identify inconsistent customer information and identity risk findings that warrant a closer look.
Support ongoing sanctions review
Give your team potential matches to evaluate through daily screening of enrolled records.
Respond to newly detected card exposure
Use exposure notifications to investigate affected cards and determine whether replacement or other action is needed.
Focus reviews with explainable results
Understand the risk findings behind a Verify result so your team has a clearer basis for further investigation.
Flexible implementation
Begin with a batch file and add API calls as your workflows require. Fideo accepts both, helping your team put monitoring into practice without a lengthy integration project.
Start with a file
Submit your full customer or member base via batch or API to begin the portfolio review. Provide BINs in your preferred format.
Check records by batch or API
Send new and updated records through the delivery method that fits your operations.
Daily updates and real-time alerts
We’ll continuously monitor for sanctions and payment card exposure on the dark web.
Fit your existing review workflows
Use Fideo’s risk intelligence to support the investigation and response processes your institution already follows.
curl -X POST \
https://api.fideo.ai/verify \
-H 'Authorization: Bearer {Your API Key}' \
-H "Content-Type: application/json" \
-d '
{
"emails": [
"[email protected]"
],
"phones": ["+19175550199"],
"ssns": ["123-45-6789"],
"name": {
"given": "Maria",
"middle": "A",
"family": "Trustwell"
},
"organization": "Northwind Mutual",
"title": "VP, Deposit Risk",
"location": {
"addressLine1": "19 Highview Blvd",
"city": "Brookhaven",
"region": "New York",
"regionCode": "NY",
"postalCode": "11719",
"country": "United States",
"countryCode": "US"
},
"ipAddress": "65.142.71.22",
"birthday": "1982-07-04"
}
{ "risk": 0.6137062189019102, "checks": [ { "id": "BREACHED_IDENTITY_COMPROMISED", "state": "MED", "name": "Identity Compromised in last 30 days", "description": "The identity has been compromised in the last month, which could indicate a medium potential fraud attempt.", "risk": "MED", "checkPackage": "Breached" }, { "id": "IDENTITY_OFAC_LIST", "state": "INPUT_NAME", "name": "Input name matches OFAC list", "description": "The input name matches the OFAC list, indicating some risk.", "risk": "MED", "checkPackage": "Identity" }, { "id": "PHONE_DNO_TEXT", "state": "UNKNOWN", "name": "Do not text not available", "description": "Do not text information not available", "risk": "LOW", "checkPackage": "Phone" }, ... ] }
Resources
Stay ahead of emerging risk
Build a practical monitoring program for your customer or member base and participating payment card BINs. Connect with our team to discuss your portfolio, delivery options, and next steps.