What Fraud Prevention Measures Are Built into MANTL?
MANTL is often deployed as the front door for digital account opening, so fraud prevention is embedded at every step: identity verification, KYC/AML screening, device and behavior signals, and controlled handoffs into your core and risk operations.
MANTL supports fraud prevention by combining layered identity proofing, KYC/AML checks, and risk-based workflows with the rest of your banking tech stack. Typical implementations pair MANTL’s digital account opening experience with document and ID verification, watchlist and sanctions screening, device and behavior analytics, and configurable rules that route risky applications to manual review queues. This lets institutions block obvious fraud, slow down suspicious activity, and streamline trusted customers into funded accounts without sacrificing digital conversion.
How MANTL Helps Prevent Account Opening Fraud
Designing MANTL Journeys That Fight Fraud and Lift Conversion
To get the most from MANTL, banks and credit unions treat fraud prevention as a journey-level discipline—not just a point solution. That means orchestrating identity, risk, and servicing across marketing, digital, and operations.
Align Risk Policy → Connect Data → Configure Rules → Orchestrate Journeys → Monitor → Optimize
- Align risk policy with digital account opening: Translate your institution’s KYC, AML, and fraud standards into clear rules, thresholds, and queues that can be implemented in MANTL.
- Connect identity and risk data sources: Integrate document verification, watchlist screening, device intelligence, and funding rails so each application is evaluated using consistent, multi-source data.
- Configure risk-based decisioning rules: Use combinations of identity match quality, device trust, geography, and funding patterns to auto-approve, refer, or decline applications in real time.
- Design customer-friendly journeys: Keep legitimate applicants moving quickly with progressive friction—only adding extra steps (e.g., document upload) when risk signals justify it.
- Instrument monitoring and alerts: Track declines, review volumes, false positives, and confirmed fraud; alert fraud operations teams to sudden spikes in certain segments or channels.
- Feed outcomes back into rules: Use confirmed fraud and “good customer” outcomes to tune thresholds, update models, and refine device and velocity rules over time.
- Govern changes with controls: Apply change-management practices so updates to MANTL journeys and fraud rules are approved, tested, documented, and reversible.
Digital Account Opening Fraud Control Maturity Matrix
| Capability | From (Ad Hoc) | To (Operationalized with MANTL) | Owner | Primary KPI |
|---|---|---|---|---|
| Identity Verification | Manual checks on uploaded IDs | Automated ID capture, validation, and liveness checks at account opening | Fraud / Risk | ID Pass Rate, False Positive Rate |
| KYC/AML Screening | Batch checks after account open | Real-time watchlist, sanctions, and PEP checks embedded in the flow | Compliance | KYC Hit Rate, Review SLA |
| Device & Behavior Analytics | IP filters and simple limits | Device fingerprinting, geo-velocity, and behavior scoring across sessions | Digital / InfoSec | Blocked Fraud Attempts, Attack Detection Time |
| Risk-Based Routing | All cases treated the same | Tiered routing to auto-approve, manual review, or decline based on risk score | Fraud Ops | Manual Review Rate, Fraud Losses, Good Customer Friction |
| Funding & First-Use Controls | Immediate full access | Staged limits, holds, and monitoring until trust and behavior are established | Operations | Loss Rate at Funding, Early Charge-Offs |
| Reporting & Audit | Scattered logs and spreadsheets | Centralized reporting on decisions, overrides, and outcomes tied to each application | Analytics / Risk | Time to Investigate, Audit Findings |
Client Snapshot: Reducing Fraud While Growing Funded Accounts
A regional bank combined MANTL’s digital account opening with layered identity, KYC/AML checks, and fraud rules tuned to their markets. The result: lower confirmed fraud and write-offs, higher conversion from application to funded account, and faster reviews for borderline cases. To see how disciplined orchestration impacts growth, review our banking case study: Explore the Banking Case Study.
When MANTL is configured as part of a governed revenue marketing and fraud strategy, institutions can welcome more of the right customers, stop bad actors earlier, and prove control effectiveness to regulators and the board.
Frequently Asked Questions About MANTL Fraud Prevention
Strengthen Fraud Defenses Across the Deposit Journey
Pair MANTL with a governed fraud and growth strategy so you can reduce losses, grow funded accounts, and prove control effectiveness—from first click through ongoing relationship.
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