Introduction

In today’s digital landscape, consumers entrust businesses with a growing volume of sensitive personal data—from financial information to login credentials and beyond. Unfortunately, this trust is under constant threat from cybercriminals leveraging stolen credentials and personal details to perpetrate account takeover (ATO) attacks. These attacks not only compromise user privacy and financial security but also erode brand reputation and customer loyalty.

SpyCloud offers powerful solutions designed to proactively detect and disrupt ATO risks before they can impact consumers. By recapturing data directly from the criminal underground – such as breached credentials, malware-infected session cookies, and compromised PII – SpyCloud provides organizations with visibility into the compromised assets of their users.

⚡Consumer product offering

Criminals weaponize more than just passwords; they use stolen credentials, session cookies, and PII from breaches and malware to bypass defenses – even MFA. SpyCloud provides deep, proactive intelligence to detect and stop identity threats before they lead to ATO, fraud, or churn.

✅ What you can do with Consumer Risk Protection

• Identify compromised user accounts in real time, using data recovered from threat actor infrastructure.
• Automate protective actions (forced password reset, step-up auth) before criminals can exploit stolen credentials.
• Reduce fraud and account abuse, especially in high-risk verticals like banking, e-commerce, and telecom.
• Build customer trust by demonstrating a proactive, data-driven approach to protecting digital identities.

Whether you serve millions of consumers or operate in a high-stakes digital environment, SpyCloud’s ATO prevention platform keeps you a step ahead – restoring trust in every interaction.

🚀 What it is?

Consumer Risk Protection operationalizes SpyCloud’s identity intelligence from breaches, malware-infected devices, and successful phish across your consumer workflows – at account creation, login, and during active sessions.

• Detect exposed consumers using breach and malware data to prevent account takeover and protect brand trust.
• Use recaptured malware-exfiltrated session data (cookies, tokens, device IDs) to spot hijackable sessions and stop MFA-bypass.

🧩 Key capabilities

• Early exposure detection – Check new and existing users against SpyCloud’s continuously updated corpus of breach, malware, and phished data.
• Session risk detection – Identify malware-exfiltrated cookies/tokens that enable session hijacking and authentication sidestepping.
• Policy-driven controls – Enforce resets, step-up authentication, re-verification, or session revocation based on risk.
• Low-friction experiences – Act on high-confidence events without punishing low-risk users, reducing false positives and churn.

🔎 Where it fits in your app

🏦 Who benefits

• Financial services – curb ATO, account abuse, and transaction fraud
• E-commerce & marketplaces – protect revenue and loyalty programs
• Telecom & media – reduce takeover of high-value subscriptions
• Any B2C app – strengthen identity defenses without excess friction

Fraud starts when a user’s identity is compromised – not at checkout. Shifting controls upstream cuts fraud without degrading UX.

🛠️ Getting started

1. Pick your control points: account creation, login, session management.
2. Wire data: call Consumer ATO Prevention and Session Identity Protection APIs to evaluate user risk.
3. Automate outcomes: enforce resets, step-up auth, session revocation, or case creation based on source/severity.
4. Measure: track ATO prevented, session revocations, and user friction to tune controls.