Protecting Customers from the Growing Threat of Account Takeover
Ensure Continuous Security with Real-Time Account Monitoring
Solution
ATO issues we resolve
CrossClassify detects and blocks the following attack vectors
Remote Access
Detects and blocks unauthorized account control by monitoring access patterns.
Credential Stuffing
Identifies stolen credentials by tracking login attempts and suspicious activity.
Phishing
Detects suspicious behaviors following phishing attacks to prevent unauthorized access.
DDoS Attacks
Analyzes traffic to mitigate risks paired with ATO attempts.
SIM Swapping & Stolen Devices
Blocks compromised devices by analyzing network, behavior, and location data.
Malware (Stolen Tokens)
Monitors unusual session behavior and stops account hijacking.
Impersonation
Verifies identities and monitors for suspicious behavior to prevent fraud.
Our Approach to ATO Protection
We use the latest industry-level technologies to monitor and detect abnormal activities to prevent account takeover.
Blog
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Frequently asked questions
Account takeover is a type of cyberattack where a fraudster gains unauthorized access to a user's account—often by stealing login credentials. Once inside, attackers may steal funds, change personal details, or commit fraud using the victim's identity.
Account takeover typically starts with credential theft via phishing, data breaches, or malware. Attackers then use techniques like credential stuffing, SIM swapping, or social engineering to bypass security and access user accounts—often without triggering suspicion.
Red flags include:
- Unusual login locations or devices
- Multiple failed login attempts
- Changes to personal info or passwords
- Unauthorized transactions or messages
- Account lockouts or security alerts
Consequences range from financial loss and identity theft to brand damage, customer churn, and regulatory penalties. In banking and e-commerce, ATO can lead to fraudulent wire transfers, chargebacks, or compliance breaches.
ATO detection involves monitoring:
- Sudden IP or device changes
- Abnormal login behavior
- High-risk geolocations
- Device fingerprint mismatches: CrossClassify uses AI & behavior-based detection to flag ATO attempts in real time.
Identity theft is broader—it involves using someone’s personal info to impersonate them. Account takeover is a specific action where fraudsters exploit stolen credentials to seize control of an existing account.
ATO prevention combines:
- Strong device fingerprinting
- Behavioral analytics
- Multi-factor authentication (MFA)
- Login risk scoring
- Bot mitigation tools
CrossClassify layers these defenses to adapt to evolving threats.
MFA helps, but it’s not foolproof. ATOs can bypass MFA via SIM hijacking or session hijacking. That’s why contextual risk-based analysis (like CrossClassify’s) is critical for real-world protection.
Examples include:
- LinkedIn phishing scams where users were tricked into giving up credentials
- Bank takeovers via SIM swaps enabling fraudsters to receive 2FA codes
- Retail ATOs exploiting loyalty points and stored payment methods
Traditional tools often rely on fixed rules, IP blocking, or basic MFA. ATO attacks are adaptive, using valid credentials and legitimate devices. CrossClassify’s AI-driven detection spots behavioral anomalies even after login, making fraud much harder to slip through.
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