There Is No Silver Bullet: User Credentials Are Not Secured with 2FA Alone
The limitations of two-factor authentication, and more nuanced strategies to layer around it.
Vendor-Neutral eCommerce Fraud Consulting
Decades of fraud expertise. Zero sales pitch.
Innovative strategies for eCommerce payments and fraud prevention, built by senior specialists — never a junior consultant, never a vendor's solution in disguise.
Clients across every vertical & region
RetailTravel & HospitalityFinancial Services
Digital GoodsMarketplacesSubscription Commerce
Where We Help
One practice, three ways to reduce your fraud exposure.
01
Assess
Vendor-neutral audits of your fraud stack — from account takeover exposure to chargeback vulnerability.
02
Optimize
Hands-on consulting to tune strategy, technology, and process across payments and risk.
03
Train
SCORM-compliant courses that get your fraud and customer service teams fluent, fast.
Our Services
Six ways we work with your team.
Fraud & Payment Training
Certification-track courses, taught by the people who wrote the book on it.
Read more →Account Takeover (ATO) Audit
Low-cost risk assessment of your ATO exposure and vulnerabilities.
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Why Choose Us
Not a big consulting firm. A specialist practice.
Vendor-Neutral
We aren't in the market to sell anyone's solution — your best interest comes first.
Every Vertical
Clients drawn from every industry and geographic region in the world.
Senior Only
Real experts on your project — never a junior consultant, never outsourced.
Fraud Practice Clients
Fraud Library
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Free reference material, built from 20+ years in the field.
White Paper
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There Is No Silver Bullet: User Credentials Are Not Secured with 2FA Alone
Why two-factor authentication alone can't carry your fraud strategy — and what to layer around it.
Fundamentals — The Anatomy of a Fraud Strategy
Breaking strategy design into phases, each with a definitive goal.
Fraud ArticlesSocial Security Numbers (SSN) — The Anatomy Of
How SSN randomization changed identity verification in 2011.
Fraud ArticlesBank Routing Numbers — The Anatomy Of
What ABA Routing Transit Numbers reveal — and how fraudsters exploit them.
Fraud ArticlesFederal Reserve Guidelines on Internet Banking Authentication
What the Fed expects from banks authenticating customers online.
From the Blog
Visit the blog →
Fraud & payments, explained plainly.
How Consumers Really Feel About 2FA
Survey and research data on consumer preferences across two- and multi-factor authentication.
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