Applied Analytics & ML
Deploy fully interpretable, real-time analytics and ML and leverage the very best AI models in the market today.
Enterprise Fraud Innovations
More than 30 years of continuous, proven fraud-fighting innovation, powered by artificial intelligence and machine learning.
Accolades
Category Leader
Chartis Names FICO an Enterprise Fraud Solutions Category Leader for Fifth Straight Report
FICO has been named a category leader for enterprise fraud solutions for the fifth time in a row in Chartis’ Enterprise and Payment Fraud Solutions 2025, Quadrant Update. FICO was listed as a leader in three categories: enterprise fraud solutions, payment fraud solutions and fraud platforms.
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Fraud-specific patents, in both artificial intelligence and machine learning
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Consortium Banks, contributing data to our machine learning models for continuous improvement and innovation
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Transactions protected by FICO fraud solutions every year
Overview
Future-proof fraud management that learns, connects, and monitors across your enterprise
FICO® Enterprise Fraud Solution, Powered by FICO® Platform, unifies fraud intelligence across every customer interaction, product, and channel – eliminating fragmented signals and delivering confident decisions that protect your bottom line and your customer relationships.
Disconnected solutions only reveal part of the fraud picture and leave gaps that fraudsters can exploit. A suspicious transaction in one channel, an unusual login in another - sinister patterns that stay hidden when you cannot connect the dots. By the time you can finally fit the pieces together, it’s too late – the damage is done.
FICO provides something fundamentally different: A unified fraud intelligence platform with a holistic, continually learning view of risk across the entire enterprise that understands context, not just events. The results? Reduced losses, lower false positives, and the ability to maintain regulatory compliance while providing seamless customer experiences.
Constantly evolving, superior fraud protection for the entire enterprise
With FICO® Enterprise Fraud Solution, you can:
Catch what others miss
Fraud superintelligence helps identify threats across portfolios, products, and channels that fragmented systems simply cannot seeRespect customers and repel fraudsters
Context-aware, real-time decisioning reduces false positives through frictionless customer protection while stopping fraud in its tracksCollaborate with ease
Teams work together in one environment, not across disconnected systems, with immediate insights informed from every customer interaction across the entire lifecyclePartner with experts
FICO delivers more than groundbreaking technology. We bring 30+ years of fraud domain expertise to help protect you and customers from known threats – and those that haven’t yet appeared
FICO® Enterprise Fraud Solution, Powered by FICO® Platform
Next-generation enterprise fraud management
Enterprise Fraud Solution provides hyperscale API-centered data ingestion and transformation with hyperspeed performance for real-time millisecond response. Unlike fragmented systems that only see part of the picture, FICO orchestrates data from across the enterprise, as well as third-party sources through FICO® Marketplace, into a continuously learning view of fraud risk.
Flexible interconnected transactional compositions handle complex customer and crosschannel fraud scenarios that point solutions miss entirely. FICO supports card fraud, realtime payment fraud, and application fraud detection across all channels, turning disparate signals into confident decisions.
The platform is built to meet enterprise fraud needs today, tomorrow, and into the future— right out of the box, while the organizational design supports processors and partners.
Put control in the hands of your fraud experts with composable transaction flows that can adapt as threats evolve. Build, modify, and deploy strategies without IT constraints, enabling rapid response to emerging patterns and threats.
The platform's flexible design allows you to easily adjust fraud controls as your business and risk landscape change – because you need to move at the speed of fraud, not the speed of IT.
Intelligent routing, dynamic queuing, and other innovations maximize analyst efficiency, while ensuring that every alert receives the appropriate attention. Automated workflows reduce manual tasks while maintaining oversight for complex investigations that demand human expertise.
Avoid disconnected alerts and automatically prioritize cases based on complexity and risk, to ensure that cases reach the right teams with the right context.
Deploy FICO's Falcon consortium fraud models alongside your own custom models simultaneously. The platform includes always-on features that enable 360-degree customer behavior profiling across every touchpoint, creating the connected intelligence that siloed systems simply cannot.
Build your own models using modern analytic notebooks, or leverage FICO's proven AI and machine learning models trained on global fraud patterns, which incorporate explainable AI and transparent auditability.
Value and protection, delivered
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Real-time performance at scale
We know speed matters – but intelligent speed matters more. That’s why FICO’s hyperscale architecture delivers millisecond response times for real-time fraud decisions without compromising accuracy.
The platform scales to handle the highest transaction volumes, ensuring legitimate customers experience seamless transactions while suspicious activity is immediately detected.
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Enterprise-wide superintelligence
FICO® Platform breaks down silos and enables you to share features, insights, and strategies across the entire organization. Spot patterns and threats that fragmented systems cannot perceive, while applying consistent approaches to fraud risk everywhere your customers are.
Leverage data from every part of the enterprise to create fraud-focused superintelligence that informs and drives every decision, helping reduce losses and deliver personal, contextual customer experiences.
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Security and compliance by design
Built-in data governance provides transparency and auditability for regulatory requirements, and allows you to stay ahead of compliance considerations as new regulations emerge.
Consistent documentation and audit trails across all fraud types simplify compliance reporting while maintaining operational efficiency. Scale your fraud strategy with your business, whether launching new products or entering new markets.
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Proven deployment capabilities
Flexible interconnected compositions support rapid implementation and customization. The platform's adaptable design allows you to deploy fraud strategies quickly, with the agility to adjust as your needs evolve.
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Business user empowerment
Intuitive interfaces enable fraud teams to manage strategies without extensive IT involvement. Teams can collaborate in one workspace, not across fragmented systems. And you can reduce dependency on technical resources while maintaining sophisticated fraud protection capabilities across all channels and products.
Future-proof fraud innovations
Helping enterprises fight fraud today and prepare for the evolving threat landscape of tomorrow.
Case management excellence: Context, not chaos
Purpose-built case management transforms fraud investigations through intelligent routing, dynamic queuing, and other innovations. The system automatically prioritizes cases based on complexity and risk, ensuring specialized investigations reach the right teams with the right context.
Specialized approaches for modern fraud management:
- Transactional case manager: Optimized for high-velocity card transaction verification and payment disputes, with the speed and precision that high-volume operations require
- Customer case manager: Comprehensive customer view for complex, multifaceted fraud investigations that allows analysts to see the complete picture across every channel and product, no matter how the fraud unfolds
Why FICO?
FICO delivers the best fraud detection and prevention solutions in the world. From real-time transactional monitoring to identity verification, and from scam detection to application fraud prevention, our solutions continue to evolve to meet the changing needs of fraud fighters around the world. With continuous innovation, we can help you spot trends, emerging threats, and new fraud tactics before they can negatively impact your enterprise.
Case Study Read more
Dock
Fintech innovator helps its customers identify more fraud, while reducing analysis time by 95%
“In this era of digital commerce, criminals constantly work to beat the system, so the system has to work equally hard to keep up.”
Jim Lerdal, Executive Vice President PULSE Operations, a Discover Company
Capabilities
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Intelligent Decisions
Model decisions with open standards, automate with business rules, and support human-in-the-loop AI.
Data Connection & Ingestion
Seamlessly connect to and bring in data from any source — when and where it’s needed.
Business Composability
Expertly compose business services that choreograph complex workflows to deliver results at scale.
Always-On Features & Profiling
Enrich, manage, share data features, and build real-time customer understanding with transactional profiling.
Digital Twins & Simulation
Unlock a distinct competitive advantage with an enterprise scenario management ecosystem.
Solutions
FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.
Application Fraud
Can you prevent first-party, third-party, and synthetic identity fraud and provide customers with great service?
Card Fraud
Deliver superior fraud protection experiences and prevent debit and credit card fraud before it happens.
Consortium Scores
Smarter, faster credit risk assessment to enhance your bottom line.
Customer Communications for Fraud
An intelligent omnichannel digital customer communication management solution for low-friction, high-security fraud alert resolution.
Scams Protection
Stop scams, protect customers, lower risk, and prevent losses from payments fraud with cutting-edge artificial intelligence and machine learning.
Next-Generation Enterprise Fraud Management
Make the best investment in enterprise fraud management for today and the future with FICO® Platform. Bring the power of continuous innovation, global data, and AI and machine learning analytics to your company — and stop criminals in their tracks. Let’s Fight Fraud!