Real-Time Fraud Detection
Spot and Stop Fraud In Its Tracks.
Assess and interdict transactions in real time across a wide range of fraud typologies, enriched by a collective intelligence network spanning 1.3 billion unique entities, without adding friction to the customer experience.
Fraud typologies
Built to Combat a Full Range of Fraud Threats
Skylight’s real-time fraud detection covers the typologies that matter most to banks, credit unions, fintechs, and payments companies.
Payment fraud
Detect unauthorized or manipulated payment transactions across all channels card, ACH, wire, and more.
Account takeover
Identify unauthorized account access through phishing, credential stuffing, and behavioral anomalies before losses occur.
Synthetic identity fraud
Uncover fabricated identities combining real and fictitious information one of the fastest-growing fraud types in financial services.
Business email compromise
Flag suspicious payment instructions and wire transfer requests triggered by compromised or spoofed business email accounts.
Application fraud
Detect fraudulent applications at onboarding using behavioral signals, device intelligence, and network analysis.
Collusion
Surface coordinated fraud patterns across multiple accounts or entities that individual transaction analysis would miss.
Mobile fraud
Protect mobile channels with device-level signals, geolocation analysis, and behavioral pattern detection.
Gift card & loyalty fraud
Monitor gift card issuance and loyalty program activity for abuse patterns including bulk purchases and rapid redemption.
Collective intelligence network
Enrich Every Decision With Global Fraud Intelligence
Skylight’s collective intelligence network gives your fraud team access to data that no single institution could build alone.
- Billions of anonymized data points from over 1.3 billion unique entities including leading financial services, retail, and payments organizations
- Digital fingerprints and intelligence from recent fraudulent transactions and data breaches
- Search by email, physical address, IP address, and phone number
Embedded intelligence
Risk scoring where speed matters most
For real-time fraud use cases, embedded intelligence is applied where decisioning speed is critical giving your team accurate scores without slowing the transaction.
Real-time transaction risk scoring
Scores every transaction in real time using an integrated combination of machine learning models and business rules delivering context-driven risk scores that support faster interdiction and more confident decision-making. Auto-approve and auto-cancel thresholds reduce manual review volume for the clearest cases at both ends of the risk spectrum.
Rules and configuration
Configure Risk Controls to Your Tolerance
Skylight’s no-code rules engine and flexible scoring settings let your team build, tune, and deploy fraud controls without IT dependency.
No-code rules engine
Configure real-time rules using a dynamic, no-code engine with an extensive filter library. Organize rules into sets, set run order, and activate or deactivate with a single click.
Flexible scoring settings
Define risk score ranges for high, medium, and low risk groups according to your organization’s tolerance. Adjust separately for rule-based and model-based scores.
Teams and queues
Segment alerts into queues by risk score, language, geography, or other parameters. Assign queues to specific teams or individuals to streamline work distribution.
Denial list
Block known bad actors in real time using a comprehensive denial list maintained from both internal and external sources searchable by name, ID, IP address, email, and more.
Dashboards
Real-Time Visibility Into Your Fraud Program
Skylight’s fraud dashboards give your team at-a-glance views of program performance, suspicious activity trends, and analyst productivity with the flexibility to build custom visualizations specific to your operation.
See real-time fraud detection in action
Book a demo and see how Skylight detects, scores, and interdicts fraud across your full transaction volume.