Synthetic Fraud Detection Software
An end-to-end system that spots fake identities before they impact your business.
Our platform applies advanced analytics to payment and web activity to detect synthetic identities at the point of entry, before they open accounts, move money, or establish the credit history that makes them harder to unwind later.
Why it matters
Synthetic identities are the fraud your current tools are missing
Unlike stolen identity fraud, synthetic identities are constructed to pass standard checks. By the time they show up in a loss report, the damage is already done.
Hidden threats are growing
Criminals are increasingly using synthetic identities constructed to slip past standard onboarding checks. These are not stolen profiles but fabricated ones, built using fragments of real data and designed to look legitimate for long enough to cause significant loss.
Real-time protection is essential
Delays in detection amplify financial and reputational damage. Synthetic identities do not commit fraud immediately; they build history and trust over time. The sooner a system can identify the signals, the less runway a fraudster has to cause harm.
High-volume environments demand automation
The volume of applications, payments, and web sessions that modern institutions handle makes manual review of synthetic activity impossible. Effective detection requires systems that can assess millions of data points continuously and flag anomalies without human intervention at each step.
How it works
Four detection layers that work together across every channel
Synthetic fraud leaves traces across payment data, device signals, and web behavior. Skylight connects all four layers into a single detection and investigation workflow.
Advanced Identity Analytics
Detect synthetic fraud through transaction history, device data, browser signals, and linkage networks. By mapping relationships between identities, devices, and accounts, the system surfaces patterns of fabrication that are invisible when each data point is reviewed in isolation.
Web Behavior Signals
Synthetic web transaction monitoring analyzes user interactions, session timing, navigation patterns, and browser details to distinguish genuine users from scripted activity. The signals a real person generates during a session are consistent and hard to fake at scale.
Continuous Synthetic Transaction Monitoring
Monitor payments, transfers, and account activity in real time to identify anomalies linked to synthetic identities. Behavioral patterns that diverge from legitimate user norms are flagged immediately, giving your team the opportunity to intervene before funds move.
Integrated Investigations
Combine synthetic transaction monitoring tools with full customer context in one interface for investigations. Investigators see the complete picture: identity signals, payment history, web session data, and linked accounts, without switching between systems to piece it together.
What sets us apart
Built for integration, configuration, and scale
Skylight is designed to connect to the systems you already operate, be configured to your specific risk thresholds, and scale to the volumes your environment demands, without performance trade-offs.
Synthetic fraud detection is only as good as the data it can access. A platform that requires complex integration work before it can see your payment and web signals is a platform that starts with blind spots. Skylight is API-first by design, so coverage is immediate.
API-first integration
Standard APIs connect to your payments infrastructure, web layer, and onboarding systems without lengthy engineering projects. Skylight is operational quickly, so your detection capability is not delayed by a drawn-out implementation cycle.
Configurable risk logic
Update rules and thresholds without raising an engineering ticket. Your fraud and compliance teams can adjust detection sensitivity, define new risk indicators, and test changes against live data independently, keeping your defenses aligned with evolving fraud patterns.
Cloud-native and scalable
The platform handles high volumes of synthetic transactions without degradation in detection speed or accuracy. As your transaction volumes grow, Skylight scales automatically to maintain the same real-time performance your team and your customers depend on.
Transparent model results
Risk signals are displayed clearly so investigators understand exactly what triggered an alert. Transparent outputs mean your team can triage faster, explain decisions to stakeholders, and identify patterns that warrant a change to detection logic.
Use cases
Detection at every stage of the synthetic fraud lifecycle
Synthetic fraud unfolds across multiple touchpoints, from account creation through to transaction activity. Skylight addresses each stage with targeted detection and a clear path to investigation.
Account creation protection
Evaluate new users against identity signals, linkage networks, and behavioral patterns before they complete onboarding. Catching a synthetic identity at account creation prevents every downstream loss that identity would have gone on to generate.
Transaction monitoring
Continuously assess payment and transfer activity for patterns consistent with synthetic identity fraud, including unusual velocity, atypical payee relationships, and spending profiles that do not match the account’s declared history. Alerts fire in real time, before funds are beyond reach.
Web session analysis
Identify sessions driven by bots or automation scripts during account creation, login, and high-value transactions. Synthetic fraudsters increasingly rely on scripted toolkits that generate consistent, detectable behavioral signatures your team can act on immediately.
Case escalation
Package synthetic alerts into fully contextualised investigations with supporting evidence, linked accounts, session data, and risk scores already assembled. Investigators open a case with the information they need to make a decision, rather than spending time pulling it together from separate sources.
Start catching synthetic identity threats in real time
Request a live demo, start a trial, or speak with a specialist to see how synthetic fraud detection can protect your operations from the identities your current tools are missing.
