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Enterprise Fraud Innovations

More than 30 years of continuous, proven fraud-fighting innovation, powered by artificial intelligence and machine learning.

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Category Leader

Enterprise Fraud Solutions, Chartis RiskTech Quadrant 2021

FICO is the 2021 category leader for Enterprise Fraud Solutions, selected by Chartis Research in their RiskTech Quadrant. We proudly offer ready-to-deploy global fraud models powered by artificial intelligence and machine learning, innovative scams detection, and comprehensive fraud identification and prevention capabilities.


Fraud-specific patents, in both artificial intelligence and machine learning


Consortium Banks, contributing data to our machine learning models for continuous improvement and innovation

billion +

Transactions protected by FICO fraud solutions every year

Proven fraud protection and performance around the globe

Performance — in the fraud world, it’s critically important. But it must be delicately balanced with customer experience. Too much friction and customers suffer; too little friction and losses can soar. At the end of the day, you need the perfect balance between fraud prevention performance and customer experience — or you’re letting the criminals win and letting your customers down.

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At FICO, we have been delivering unmatched detection capabilities and fraud protection for more than 30 years. Our performance continues to improve as we use artificial intelligence and machine learning to train and enhance fraud models, create and deliver scam protection, help stop application fraud and more.

Constantly evolving, superior fraud protection for the entire enterprise

FICO® Platform gives you the best possible foundation for future-proof fraud management across your entire enterprise. You will enjoy:
  • Reusable capabilities

  • Artificial intelligence and machine learning patents specific to fraud

  • Insights from billions of data points

    Provided by a global consortium of more than 9,000 financial institutions for continuous fraud identification and intervention

FICO® Platform

The most powerful part of FICO Platform is that it can help solve more than just enterprise fraud. It gives you the infrastructure to tackle other challenges, using the same technology, to help scale and streamline your operations.
Enterprise fraud management requires fuel to be effective, and that fuel is data. But not just any old raw data — contextual data, from multiple internal and external sources, applied intelligently at the moment it’s needed. The right data can help you detect fraud before your customers are impacted.
You need the best insights to make millisecond decisions that stop fraud without creating false positives. Our insights are derived from hundreds of billions of tagged transactions from our consortium of participating financial institutions. FICO’s machine learning and artificial intelligence capabilities review, assess, and incorporate the data to make continuous improvements to fraud detection models, tuned for specific portfolios, global regions, and fraud problems like transactional fraud, application fraud, and account takeover (ATO) fraud.
Knowledge is power, but only when you can take action on it. FICO Platform gives you the capabilities to use your insights in real time so you can stop more fraud, faster. Intuitive rules authoring and conditional decisioning means your enterprise, and your customers, get all the benefits of informed decisions without the operational hassle of things like false positives and unnecessary friction.
Ongoing enterprise fraud management boils down to performance. With FICO, you get out-of-the-box, reliable, proven models that work. Period. Our enterprise fraud innovations mean you get immediate ROI, and that you can deliver the best available experiences for your customers while keeping their accounts — and their money — safe. Put the best technology in place to manage your fraud program, no matter what the future throws at you.
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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


Fintech innovator helps its customers identify more fraud, while reducing analysis time by 95%
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    “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


    FICO solutions offer a wide range of capabilities, empowering you to make smarter, personalized decisions, streamline operations, and improve the customer experience.

    Analytics & ML

    Leverage our patented AI techniques to develop your advanced analytics and train your ML models to deeply understand and predict customer behavior.

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    Make more precise, consistent, and intelligent decisions across your enterprise with expert control over your decision logic.

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    External Data Access

    Inform your decisions and enrich your insights with signals from third-party data and other alternative data sources.

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    Composition & Orchestration

    Choreograph your intelligence to animate customer journeys by weaving data, insights, and actions into positive, memorable, and valuable moments in your customers lives.

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    Feature Management

    Get more machine learning projects into production by leveraging a shared library of derived data attributes across your enterprise.

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    Testing & Validation

    Ensure your configuration drives the desired outcomes by testing and validating business services across FICO® Platform.

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    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!