Smart Limits
NETGUARDIANS
Real-time protection against structured fraud
✓ Block sequences of suspicious payments
✓ Detect scams and account takeovers instantly
✓ Enable advanced account-level remediation before losses occur
Rise of scams and their transactional imprint
Fraudsters increasingly use structured payment patterns that are harder to detect and leave banks vulnerable.
- Victims are manipulated into making multiple consecutive payments instead of a single large transfer
- Smaller payments are spread across different beneficiaries to avoid detection
- Account takeover schemes follow similar structured transaction patterns
- Payments remain below thresholds, bypassing conventional fraud rules
- These tactics are difficult to intercept, exposing banks to losses and reputational damage
Smart Limits for smarter fraud prevention
Smart Limits strengthens defenses by detecting structured fraud patterns that traditional rules miss.
- Identifies smurfing patterns by analyzing transactions over time
- Goes beyond single-payment checks to spot:
- Sequences of small-value transfers
- Rotated beneficiaries
- Suspicious transaction velocity
- Combines behavioral signals with account and beneficiary intelligence
- Stops scams involving manipulated multiple payments and account takeover schemes
- Provides real-time defense, reducing losses and reinforcing customer trust
Key Benefits
Core capabilities
