Account Takeover (ATO) Fraud occurs when cybercriminals gain unauthorized access to a user’s account by obtaining stolen credentials and then use that access to commit fraud, steal information, or conduct unauthorized transactions. As organizations increasingly rely on credential-protected accounts for customers and employees, the risk of ATO attacks continues to grow. The rise of digital activity and remote services has further accelerated this threat, with many financial institutions reporting increased incidents since the pandemic. XTN Cognitive Security helps organizations combat ATO fraud by protecting user accounts while maintaining a frictionless customer experience. Through advanced fraud detection, behavioral biometrics, identity verification, and real-time risk analysis, the solu

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