Clean Fraud is a sophisticated type of fraud where criminals use stolen but valid payment credentials along with accurate customer information to create transactions that appear legitimate and bypass standard fraud detection systems.
Characteristics
- Valid credentials
- Accurate information
- Legitimate appearance
- Detection evasion
- Careful execution
Detection Challenges
- Valid data use
- Normal patterns
- Accurate details
- Legitimate appearance
- System bypassing
Warning Signs
- Unusual patterns
- Shipping mismatches
- Velocity changes
- Device anomalies
- Behavior inconsistencies
Prevention Methods
- Advanced screening
- Behavior analysis
- Pattern detection
- Identity verification
- Risk assessment
Best Practices
- Multi-layer security
- Advanced monitoring
- Pattern analysis
- Regular updates
- Staff training
Clean fraud requires sophisticated detection methods due to its legitimate appearance.