Why Cybersafety Matters in Fraud Prevention Programs


The constant digital transformation that has occurred in the last few decades puts tech laggards at risk. Like many of us, they’ve become more and more dependent on digital tools, but they don’t always possess the savvy it takes to safely navigate those tools.

In business, we get trained in IT and enterprise cybersecurity methods. Although the same notions may be available for consumers, they’re not required to adhere to standards and protocols that will protect them online.

Discover the ways cybersafety affects fraud prevention programs.

However, consumers of all levels of tech-savviness are becoming increasingly focused on online security, and for good reason. The LexisNexis Risk Solutions Cybercrime Report indicates fraudsters are scaling. From the report: “The largest individual network analyzed spanned six countries, included all three core industries (financial services, e-commerce and media), with $12.5M exposed to fraud in one month.

On the business end, enterprise cybersecurity breaches have an exorbitant effect. IBM assessed breaches within more than 500 companies and determined the average financial cost to affected organizations, including everything from fines to lost time, to be $3.92 million.

The benefits of the commitment to cybersafety and fraud prevention from both consumers and businesses extend to everyone in three ways:

  1. Smarter, protected users lead to fewer threats.
  2. Proactive cybersafety programs create positive customer experiences.
  3. Good habits are reinforced on both the consumer and business sides.

Building consumer confidence is tantamount to generating sales and fostering loyalty. If your company demonstrates a commitment to customers’ online safety and investing in customers’ security, you’ll build goodwill and trust.

Furthermore, IT and enterprise cybersecurity teams are working on many of the same issues as fraud prevention teams that execute their organization’s payment fraud detection strategy, including:

  • Automated bad bot traffic on networks
  • Malware attacks
  • Phishing scams
  • Ransomware attacks

As IT departments develop, maintain and secure the technologies that support business, IT infrastructures continue to be a vulnerability for fraud. Bad  actors exploit weaknesses in applications, devices, networks and systems.

Fraud teams need to work in tandem with the IT and enterprise cybersecurity teams, as the latter groups are the main gatekeepers of one of the most valuable resources in your business: information.

What is enterprise cybersecurity, and how does it benefit fraud prevention programs?

Enterprise cybersecurity is the strategy a corporation, agency or institution uses to protect information and electronic assets, including applications, data, networks, servers, storage, workstations and more. These tactics are used in enterprises to ensure the confidentiality, integrity and availability of the organization’s information and the tools used to access and interact with data.

The reasons cybersecurity  protocols and tools benefit fraud detection methods are twofold.

Cybersafety is about proactive behaviors, whereas cybersecurity refers to defensive strategies. Therefore, you can’t really have cybersafety tools.

1. Compromised data influences fraud prevention models.

When information is compromised, the calibrations that direct a system to thwart a fraudulent transaction are thrown off. Fraudsters hope the model doesn’t detect their transaction as a preprogrammed fraud event and that the system doesn’t identify them as invalid customers but lets the transaction through.

At Emailage, we fight this by tying a consumer’s typical behavior to his or her email address and authenticating identity using additional information. When the behavior associated with an email address suddenly differs from the consumer’s usual patterns, our fraud detection tools alert your analysts to the risk associated with the transaction. This  ensures they can make a confident decision to either stop a fraudster or greenlight a real customer.

2. Compromised data alters the customer experience.

Speaking of real customers, if one is trying to make a valid purchase and gets declined, it immediately sours the entire customer experience. Brand trust is also eroded when a consumer sees a fraudulent charge on his or her statement from a retailer where he or she never made a purchase.

Emailage can outsmart fraud even when cybersecurity tips fail.

Compromised data often allows fraudsters to disguise themselves and hide their true identity. This makes it very difficult to ascertain the transaction’s accuracy, as the data can easily look like a match.

That’s why we pair an email address with other information, including a customer’s name, device, IP address, phone number, and billing and shipping addresses. This helps  fraud analysts confidently authorize a customer’s transaction or deny a fraudster’s purchase or account opening.

Going one step further, we also look at this data point in conjunction with the rich history attached to each email account to help identify abnormal behavior patterns.

The result is a clear picture of the identity of the person engaged in the transaction, and an unambiguous analysis that helps fraud teams decide if a transaction should be approved or not. By providing a frictionless customer experience, Emailage tools lead to increased conversion rates for real consumers and drastically reduce cases of fraud.

Explore our state-of-the-art fraud prevention solutions to see what fits your organization’s needs.

Emailage Email Risk Score

Email Risk Score provides an accurate real-time analysis of the risk associated with any given transaction.

Emailage Portal 3

Portal 3 conveys complex data in easy-to-understand visualizations to help teams increase productivity and efficiency.





Outsmart fraud and improve customer experiences with Emailage.