Fraud doesn’t begin and end at checkout. The same actor attempting payment fraud today may have created multiple accounts yesterday, taken over a legitimate customer’s account, or routinely exploited the return policy. That activity can span many businesses.

When you assess each event on its own, you miss the true identity behind it and what that person is doing everywhere else. Crucial signals, connections, and intent stay hidden. With the rise of AI-enabled fraud and delegated commerce, telling a good customer from a bad actor is even tougher.

Fraud prevention is shifting from isolated decisions at checkout to continuous, real-time intelligence across the full customer journey, from account creation and login to checkout, claims, disputes, and service interactions.

Riskified is meeting this challenge with the next evolution of its Risk Intelligence Platform, which brings together its existing solutions and newest capabilities in a single platform. It helps you resolve identity and intent in real time across the full customer journey, so you can make better decisions in a fast-changing fraud landscape.

 

Intelligence across the journey, visibility across silos

The Risk Intelligence Platform addresses the connected reality of commerce fraud today. Rather than treating account security, checkout, policy abuse, and disputes as separate challenges, the platform unifies them for risk intelligence and behavioral analysis. At its core is an identity clustering engine that turns billions of signals from across Riskified’s network into precise identity and intent resolution. It draws on $1.5 trillion in transactions received across Riskified’s global network since its founding in 2013.

  • Identity resolution: Probabilistic machine learning models connect fragmented accounts and isolated data points to a single resolved identity in real time.
  • Behavioral analysis: Behavioral models then combine those identity signals with the individual’s behavior across Riskified’s global network, from account creation through checkout to claim or chargeback.

Together, these models help you see the person or agent behind each interaction, connect accounts that appear unrelated, and spot suspicious behavior that’s easy to miss when you review transactions in isolation.

Securing each step in one place

Riskified’s Risk Intelligence Platform provides real-time intelligence into several key areas that affect businesses:

  • Account Intelligence: Tailors the balance between risk and friction at every interaction on the account level, from signup and login through account updates, to match each business’s unique situation. It can monitor for account takeover risks, spot risky behaviors like attempts to create multiple accounts or profile changes, and send notifications on a merchant’s behalf.
  • Checkout Intelligence: Brings industry-leading accuracy to every checkout decision, so businesses can convert more good customers while minimizing false declines and fraud.. A machine learning-powered decisioning engine analyzes hundreds of features per transaction, generating sub-second “approve” or “decline” decisions per order. Good customers go straight through checkout, and bad actors are declined at the source.
  • Policy Intelligence: Stops abuses of policies at and after checkout, from illegitimate refund claims to promo abuse. This fraud can often be traced to synthetic accounts that Riskified’s identity engine already tracks. Its platform adapts in real time across three key layers: with a broad identity intelligence graph, smart identity resolution and dynamic risk evaluation. Businesses can then layer custom logic on top of Riskified’s own intelligence to build, test, and adjust policies.
  • Dispute Intelligence: Helps businesses manage chargebacks, win more disputes, and recover more revenue. Businesses benefit from intelligent automation, customizable evidence, and workflows designed to improve customer care and operational efficiency.
  • Identity Risk Intelligence: Delivers real-time identity intelligence on every customer service interaction directly into CX team workflows. The real-time risk assessment — based on the identity’s behavior across Riskified’s network — lets support teams resolve trusted customers instantly and stop losses before they hit the business.

AI tools built to empower businesses

Riskified’s AI platform tools let merchants use automation where and when it helps their operations. Teams get visibility into how decisions are made and practical ways to intervene when needed, without slowing down operations. The platform’s Control Center provides a real-time view of decisions and how platform capabilities support their business priorities. Three tools then turn that visibility into action:

  • AI-based explainability: ARIA, Riskified’s AI Risk Intelligence Analyst, lets teams instantly explore their fraud data and get performance insights. Users ask questions in natural language and get answers with supporting charts and tables, in seconds.
  • Identity Explore: Allows teams to investigate connections and the true customer identity behind every account, order, and claim, based on behavioral signals across the network.
  • Decision Studio: Turn insights into action and action into impact. Build, simulate, and deploy custom rules and workflows tailored to your business, based on true customer identity, ML and network signals.

Built to adapt

In the last 13 years, ecommerce has changed shape again and again, from new payment rules in Europe to policy abuse at scale to AI agents that can shop for consumers. Each shift asked businesses to adapt, and Riskified built new solutions with them, from PSD2 Optimize to Policy Protect to agentic capabilities. The next evolution of the Risk Intelligence Platform is the latest answer.

For your team, that means identity insight at every decision, from sign-up to dispute. It also means protecting the customers you want to keep. When you can tell an abuser from a loyal shopper, you can stop one without slowing down the other.

Learn more about the platform.