Move beyond fraud scores.
Go to real prevention.
FIT OLB Fraud Defender analyzes transactions and safeguards your members 24×7. If a red flag appears, we immediately prevent funds from leaving the Credit Union.
Real credit unions. Real fraud savings.
Success and fraud savings can be realized immediately. One Credit Union reported results on the very first day of deployment.
Product Overview
When other tools aren't catching the fraud — do more on the core.
Are your members targeted by online banking account takeover fraud? FIT OLB Fraud Defender analyzes transactions and safeguards your members 24×7. If a red flag appears, we immediately prevent funds from leaving the Credit Union. The result? Greater protection and increased member confidence, knowing your institution is always safeguarding their financial security.
- Analyzes transactions in real time across all online banking activity.
- Immediately blocks funds from leaving the credit union when threats are detected.
- 24×7 monitoring — never sleeps, never misses a pattern.
- Builds member trust by actively protecting their financial security.
- Minimizes financial losses from fraud-related exposure.
- Adaptive criteria that evolve as fraud tactics change.
Beyond Fraud Scores
Most fraud tools assign a risk score and stop there — leaving the decision to staff. FIT OLB Fraud Defender goes further: when a red flag appears, funds are immediately prevented from leaving the credit union. No manual intervention required. No window for the fraud to complete.
How It Works
From suspicious activity to blocked funds — in real time.
FIT OLB Fraud Defender monitors every online banking transaction against your configured criteria. The moment a pattern matches, it acts — no staff intervention required.
Member Transacts
A member initiates an online banking transaction — transfer, bill pay, external ACH, or wire — through your OLB platform.
24×7 Analysis
FIT OLB Fraud Defender analyzes the transaction in real time against your configured fraud criteria — pattern matching, behavioral signals, and adaptive rules.
Red Flag Detected
A suspicious pattern matches your fraud criteria — account takeover signals, unusual destination, abnormal amount, or behavioral anomaly.
Funds Blocked — Immediately
Funds are immediately prevented from leaving the credit union. No manual step. No delay. The transaction is stopped before the fraud completes.
Product Highlights
Five capabilities that set FIT OLB Fraud Defender apart
Built for credit unions running KeyStone® — all five capabilities work together to protect members, minimize losses, and build long-term trust.
24×7 Transaction Monitoring
Detects suspicious activity to safeguard member accounts around the clock — nights, weekends, and holidays included. Fraud doesn't keep business hours, and neither does FIT OLB Fraud Defender.
Proactive Fund Protection
Prevents unauthorized funds from leaving the Credit Union the moment a red flag is detected — not after the fact. Zero recovery lag because there's nothing to recover yet.
Builds Member Trust & Awareness
Enhances member confidence while educating members on fraud prevention — turning a security feature into a member experience differentiator that strengthens loyalty and retention.
Minimize Financial Losses
Reduces risk and exposure to fraud-related losses at the institutional level — protecting not just individual member accounts, but your credit union's overall financial health and reserve position.
Adaptive Fraud Defense
Customizable criteria that can evolve as fraud tactics change. As bad actors develop new account takeover patterns, your configuration can be updated — keeping your credit union ahead of emerging threats rather than always reacting to the last one.
Adaptive Defense
Fraud tactics evolve. So does your defense.
The fraud landscape changes constantly. Account takeover techniques that worked last year don't look the same today. FIT OLB Fraud Defender uses customizable criteria — so your configuration can keep pace with how fraud actually operates in your market.
- Update fraud criteria without a development cycle or vendor release
- Tune rules to match your specific membership profile and transaction patterns
- Respond to emerging account takeover vectors in real time
- Combine multiple criteria — amount thresholds, destination patterns, behavioral signals
Live Threat Monitor
Success Stories
Real savings. From day one.
FIT OLB Fraud Defender doesn't need weeks to ramp up.
The moment it's deployed and configured, it starts protecting
your members and your institution. One credit union saw
immediate results — realizing significant savings before the
end of their first day of operation.
"Success and fraud savings can be realized immediately.
One Credit Union reported a $27K savings on the first day
and $70+K within the first 2 weeks."
— FIT OLB Fraud Defender field report