This year, our real-time monitoring systems flagged and stopped more than $2 million in fraudulent transactions before they ever reached our members' accounts. Here's a look at how it works.
Scoring every transaction in milliseconds
Every time a Finshield card is used, our fraud models evaluate more than 200 signals — location, merchant type, device, spending history and more — to produce a risk score in under 50 milliseconds. Low-risk payments go through instantly. High-risk ones are paused and the member is asked to confirm in the app.
Humans in the loop
Models are only part of the story. Our in-house security team reviews edge cases around the clock, investigates new fraud patterns and feeds what they learn back into the system.
“The best fraud prevention is invisible when things are normal, and instant when they're not.”
What you can do
- Keep notifications on so you can confirm unusual payments quickly.
- Freeze your card from the app whenever it's not in use.
- Never share one-time codes — Finshield will never ask for them.
Want to learn more? Visit our security page or contact the security team.