Charm Security

Fraud Solution Profile

Charm Security: The AI Platform Stopping Scams, Social Engineering, and Human-Centric Fraud

Charm Security is an AI-Powered Customer Security Platform that protects organizations and their customers from scams, social engineering, and human-centric fraud, the fastest-growing and most complex threat vectors.

At the heart of Charm is the Scam Intelligence Hub, which combines real-time threat intelligence, behavioral psychology, and AI-driven analysis to detect, disrupt, and resolve scams efficiently and effectively. By addressing the human element of fraud, Charm creates a shared defense that reduces fraud losses, improves customer experience, and builds trust.

How Charm Works

1. For Fraud Teams: The AI Fraud Assistant
   Charm equips fraud, security, and risk teams with an intelligent assistant to supercharge their capabilities and protect their organization:

• Real-Time Scam Intelligence: Stay ahead of emerging threats with actionable insights into scams, fraud tactics, and vulnerabilities.
• Customer Risk Intelligence: Analyze customer behavior, identify at-risk individuals, and detect mule accounts or fraudulent actors.
• Recipient Verification: Flag high-risk recipients and analyze transaction risk to disrupt scams during payment processes.
• Incident Intelligence: Streamline investigations with enriched insights, connecting the dots to resolve fraud cases faster and prevent repeat attacks.

The Fraud Assistant empowers teams to work smarter, detect fraud with higher accuracy, and intervene before scams escalate.

2. For End-Customers: The AI Security Agent
   Charm empowers organizations to protect their customers with tools that keep them aware, informed, and secure:

• Personalized Awareness: Provide tailored threat insights and proactive awareness to reduce customers’ risk of falling victim to scams.
• Transaction Verification: Enable customers to verify recipients and detect suspicious activity prior to and during high-risk transactions.
• Smart Incident Response: Offer an intuitive process for reporting scams and receiving real-time support for recovery.

By giving customers the tools to recognize, avoid and remediate scams, Charm builds confidence and reduces their exposure to fraud.

Why Charm Is Different

Unlike traditional fraud tools that focus mostly on transaction data, Charm addresses the human side of fraud—where scams manipulate trust and behavior. Key differentiators include:

• Scam Intelligence Hub: A continuously evolving engine that aggregates global threat data, behavioral research, and AI models to stay ahead of scammers.
• AI-Powered Tools: Both fraud teams and customers benefit from actionable intelligence delivered through easy-to-use, AI-driven tools.
• Shared Defense: Charm bridges the gap between fraud teams and customers, creating a coordinated approach to prevent and respond to scams.

The Value Charm Delivers

By preventing scams before they happen, disrupting fraud in real time, and resolving cases efficiently, Charm Security enables organizations to:

• Reduce Fraud Losses: Stop scams and recover faster.
• Strengthen Customer Trust: Show customers they’re protected and valued.
• Improve Customer Experience: Minimize unnecessary friction and deliver seamless support.
• Meet Regulatory Demands: Stay compliant with evolving requirements like APP fraud regulations.
• Lead in Customer Security: Position your organization as a proactive leader in fraud prevention.

Charm Security combines cutting-edge intelligence, psychology, and AI to deliver a smarter, human-centric defense against scams – protecting both your customers and your bottom line.