Fraud Protection

Customer's card is used for an unusual purchase pattern.

"AI detects and responds: "I've noticed some unusual activity on your account and wanted to check with you immediately. In the last 30 minutes, there have been 4 transactions: $89 at a gas station in Texas, $156 at an electronics store in Texas, $234 at another electronics store, and an attempted $1,200 charge at a jewelry store that I blocked. You're currently in California based on your phone location. This pattern looks like card fraud - multiple purchases in quick succession, far from your location, and escalating amounts. I've temporarily blocked your card. Can you confirm these weren't you? If this is fraud, I'll immediately: cancel the card, reverse the pending charges, overnight you a new card, and file a fraud report. You won't be liable for any of these charges.""

Someone attempts to log into customer's account from an unknown device and location.

"AI protects account: "Security alert: Someone just attempted to log into your account from a new device - an Android phone in Romania. This is concerning because: you've never logged in from Romania, the device is completely new, and 3 incorrect password attempts were made before the correct one. I've blocked the login and locked your account as a precaution. Your money is safe. However, since they knew your password, we should: 1) Reset your password immediately - I'll guide you through this securely, 2) Review your recent account activity together, 3) Enable additional security features like biometric login. This might have happened through a data breach at another site where you used the same password. Would you like to start the security review now?""

Customer's personal information found on dark web marketplace.

"AI alerts and assists: "I need to inform you about a security concern. Our dark web monitoring detected your personal information for sale on an underground marketplace. The exposed data includes: your email address, phone number, and what appears to be an old password (not your current banking password, thankfully). Here's what I recommend: First, I've already placed a fraud alert on your credit file, which means lenders must verify your identity before opening new accounts. Second, let's review if this password is used anywhere else - you should change it on all sites. Third, I can freeze your credit at all three bureaus with one click, preventing anyone from opening new accounts in your name. There's no evidence anyone has tried to use this information yet. Would you like me to proceed with the credit freeze?""