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Account Takeover
Stop the takeover. Protect the customer
Shufti stops account takeover fraud by verifying who’s actually at the keyboard, not the credential, not the cookie, not the SMS code. Identity-led account takeover protection at every login, payment, and account-change event.
Seen Once Blocked Everywhere
Where ATO Strikes
Onboarding
Synthetic identities and mule-assisted sign-ups opened accounts that were always bonus vehicles, never real players.
Action
Deposit, wager to threshold, withdraw, abandon. Repeated across a hundred accounts. The moment the budget drains.
Claim
Device farms are activating promotional offers at machine speed, each account appearing to come from a different person.
Recovery
Chip-dumping, referral loops, and affiliate fraud are sustaining extraction inside your platform for months undetected.
FOUR ATTACKS. FOUR PLAYS
How Shufti Stops It
Session Replay
When credential stuffing attacks or stolen session cookies bypass MFA:
- Behavioural Biometrics compares the enrolled user’s typing frequency to the active session in real time. Mismatch fires the step-up biometric and terminates the session.
- Behavioural Biometrics scores the typing rhythm a cookie-replay attacker can't fake. Fraud Hub triggers account takeover detection.
- 1:1 Authentication step-up before the high-value action executes.
AiTM Phishing
When phishing attacks, spear phishing emails, AiTM kits, or real-time proxies, capture the post-MFA session token.
SIM Hijacking
When fraudsters port the number to a new SIM and intercept the SMS-OTP, SMS = compromised-by-default under PSR Article 59.
Help-Desk ATO
When attackers impersonate customers through recovery flows or account-change requests.
- 1:1 Authentication triggers a passive biometric check — selfie matched against the enrolled face template, not a password or SMS code. Pre-match deepfake defence kills injected or AI-generated face imagery before any comparison runs.
- Expert Agent Review handles the highest-risk events with a full audit trail.
Industry Playbook
ATO hits every sector differently
Trusted Sellers, Repeat Fraud Blocked
Verify the seller is real at onboarding, then prevent re-joins with duplicate detection and optional 1:N matching across the marketplace.
The Broader Platform
Shufti covers the full attack surface
What We Do
The core workflows Shufti delivers — verifying customers at onboarding and monitoring them throughout the full relationship.
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Onboarding
AI-powered document forensics, biometric verification, and real-time AML screening in one adaptive flow, verifying genuine customers while blocking synthetic identities at the door.
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Ongoing Monitoring
Continuous screening against 1,700+ sanctions, PEP, and adverse media sources. Customer records rechecked within minutes of a list update, not at the next periodic review.
What We Solve
The compliance and identity challenges regulated businesses face — KYC, KYB, fraud, age, workforce, and investor verification, resolved without stitching vendors together.
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Identity Verification
Document forensics, iBeta-certified biometric liveness, NFC chip verification, and AML screening through one API. Authenticate customers across 250+ regions from a single integration.
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Age Assurance
Three verification paths, facial estimation, docless eIDV, and document DOB extraction, in one flow. Stop underage access without driving away legitimate users.
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KYC
One configurable flow for document verification, face verification, eIDV, NFC, address verification, and AML screening. One integration, one audit trail, no vendor stitching.
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KYB
Live registry checks across 240+ official sources, complete UBO due diligence, and AML screening in one flow.
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KYI
Accreditation validation, document forensics, and MLRO-backed review in one investor verification flow. Meet accredited-investor mandates across 250+ jurisdictions without additional vendors.
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Workforce IAM
Verified identity at every access control point, onboarding, account recovery, privileged access, and MFA re-enrolment, without replacing your existing IAM stack.
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Candidate Verification
Document forensics, biometric matching, and enhanced due diligence inside your hiring pipeline. Catch fraudulent applicants and AI-generated candidates at application stage, not after offer.
Business Outcome
The results Shufti delivers at scale, staying compliant, stopping fraud, building user trust, and expanding globally from a single integration.
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Compliance
Automated KYC, KYB, and AML across 250+ regions. Audit-ready evidence trails for every decision. Sanctions refreshed every 15 minutes — 96x faster than industry standard.
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Fraud Prevention
40+ ensemble AI models across the full customer lifecycle. Independent testing: 8 of 8 document forgeries detected where legacy stacks caught zero.
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Trust & Safety
Verify users, sellers, workers, and businesses before risk reaches your platform. One trust layer across marketplaces, gaming, gig economy, fintech, and age-restricted services.
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Global Expansion
230+ countries, 10,000+ document types, 150+ languages. One API with jurisdiction-configurable workflows and regional cloud infrastructure across EU, UK, US, APAC, and MENA.
BUILT FOR YOUR TEAM
One platform. Every stakeholder
Compliance Officer
Regulator-defensible audit trail at every account-change event.
Product Manager
0.75s passive biometric. Legitimate pass rates up, fraud acceptance down. Live in a sprint.
Developer
REST API, mobile SDKs, and sandbox access. First verification call within hours of integration start.
Fraud Analyst
Signal-level Risk Score with full breakdown. >70% fraud reduction without growing the review queue.
Shufti is top competitor serving global end users
Shufti delivers the widest global coverage with its own technology, ensuring flexibility, innovation, and stronger Extended IdV capabilities than regional or orchestrated competitors.
download full report
Seamless Integrations, Powerful Results
Build fully customizable verification flows with seamless backend integration.
- Gain full control by customising verification flows end-to-end.
- Integrate seamlessly with your backend for quick implementation.
- Design flexible verification journeys tailored to your users.
Launch a native verification experience inside your iOS or Android app within minutes.
- Launch native verification within minutes on iOS or Android.
- Use ready-made UI with camera, capture, and real-time feedback.
- Customise flows to fit seamlessly into your mobile app.
With KYC Journey Builder, design personalised verification journeys without writing a single line of code.
- Customise your journey effortlessly with drag-and-drop functionality.
- Instantly preview how your verification flow looks for your users.
- Easily connect with Hosted Verification for a consistent, branded experience.
Run Shufti within your own infrastructure for maximum data control and privacy.
- Keep all sensitive information in-house to meet strict governance and residency requirements.
- Maintain full data sovereignty with secure, isolated processing.
- Deploy in highly regulated sectors without compromising compliance.
Independently Audited. Globally Certified
Certifications
Your Go-To for KYC/AML & Fraud
Resources
17 September, 2025
5 minutes read
Facial Liveness Detection Technology
Defend against spoofing with AI-driven active & passive liveness checks.
Solution Sheet
Frequently Asked Questions
What is account takeover (ATO)?
Account takeover fraud is when a fraudster gains unauthorised access to a legitimate user’s existing account, to drain funds, change beneficiaries, or extract data. Unlike new-account fraud, ATO exploits accounts the platform already trusts. Effective ATO fraud prevention requires verifying the person, not just the credential.
Why does MFA fail to prevent account takeover?
65% of accounts breached in 2024 had MFA enabled. Stolen session cookies (24.8M devices infected with infostealers in 2025) and phishing attacks — AiTM kits, phishing emails, credential replay — bypass MFA entirely, no login event fires, so no challenge triggers. Identity-led defence verifies the person at the keyboard, not the credential.
SMS-based 2FA, is that enough?
UK SIM swap rose 1,055% in 2024 (Cifas). SMS-OTP authenticates the phone number, not the person. PSR Article 59 brings telcos into the reimbursement framework specifically because SMS is now treated as compromised-by-default. 1:1 Authentication replaces it with passive biometric proof of person
Will biometric step-up create friction for legitimate users?
1:1 Authentication uses passive liveness, the user simply looks at the camera. P50 latency 0.75 seconds. Shufti’s Japan production pilot improved legitimate pass rates from 93% to 97% while cutting fraud acceptance by 70%. Friction goes down for good users, up for attackers.
How fast can Shufti deploy?
Shufti’s account takeover prevention software goes live in days, not months. Pre-built APIs, SDKs, and a no-code Journey Builder integrate your account security solution with your existing fraud stack, no rip-and-replace. Most clients have account takeover protection active inside a single sprint.
Where is biometric data stored, and who owns it?
You own your customer data. Shufti supports cloud, on-prem, and hybrid deployments, biometric templates can stay in your jurisdiction or your own infrastructure. Default retention is configurable. GDPR, CCPA, and SOC 2 Type II compliant by default.
What happens if a user can’t complete biometric verification?
Expert Agent Review Modes route the user through a documented human-oversight workflow with full audit trail. Failed biometric attempts don’t block legitimate users, they’re escalated, not rejected. Accessibility and inclusion are built in, not bolted on.
How long does API integration take?
API integration typically takes 2 to 5 business days. SDK integration takes 1 to 3 business days. Sandbox access is provisioned within 24 hours. These timelines reflect actual enterprise deployment experience, not estimates. A dedicated integration support team is available throughout the process.
Take Control of Political Risk
Free Blind-Spot Audit
The Blind Spot Audit rescans verified sessions with four detection engines deployed in your cloud, no PII exposure, no integration, one click.