Stopping fraud before it starts: Identity-driven intelligence for approvals and abuse prevention

How Pangea cut chargebacks 7x with pre-checkout signals

As fraud tactics become increasingly sophisticated, merchants can no longer afford to wait until checkout to catch bad actors. In this session, Pangea’s Director of AML Operations, Jorge Sanhueza, reveals how the fintech shifted its defense earlier in the customer journey using identity-driven intelligence. 

Pangea connects rich data signals—including recipient data, bank account details, card tokens, and dates of birth—to proactively block abuse and identify organized fraud networks before transactions even begin. By moving beyond reactive measures, Pangea transformed its risk strategy into a powerful engine for business growth.