A Guide to Account Takeover (ATO) Fraud Detection & Prevention

What is account takeover fraud? 

Account takeover (ATO) fraud is when fraudsters gain unauthorised access to user accounts with stolen credentials, usually to steal funds or personal information. Any digital platform that requires an account is susceptible to ATO fraud.

Think of a user account as a home and an account takeover attack as a break-in. Most homes can be entered through doors, but they tend to be locked shut. If someone manages to get the keys to the house, they’ll be able to steal valuables, personal items, or even change the locks.