Socure

Game on for responsible BNPL: Socure has acquired Qlarifi! We’re excited because this isn’t just an acquisition — it’s a market shift. By combining Qlarifi’s real-time BNPL repayment aggregation with Socure’s Identity Graph and RiskOS™ decisioning engine, lenders gain a unified decisioning fabric that validates consumer identity across providers — identifying loan stacking and overextension, reducing first-party fraud, expanding responsible credit access for thin-file consumers, and lowering fraud-driven merchant costs. With BNPL already approximately 6% of e-commerce and growing rapidly, this integrated infrastructure changes how BNPL will scale — making payments safer, fairer, and more transparent for all.

For most teams, gray‑zone applications are treated as a tradeoff: add blanket friction or accept higher risk. There's a smarter path. Pairing Socure Verify with consent-based SSN checks (via eCBSV) confirms ownership only when confidence is low — turning ambiguity into clear approvals while keeping trusted users on a frictionless path. Read more: https://lnkd.in/gjGCxmHt

Imagine being a marketplace manager and finding out a partner’s payout was rerouted. In minutes, a bad actor who gained access to a dashboard — or a fraudster who convinced a call center agent — can add a fraudulent bank account and reroute funds, eroding trust and creating costly support headaches. See how a leading delivery partner enlisted Socure to flag suspicious account changes, triggering step-up verification only when needed — analyzing device and network signals to verify account ownership in real-time. The result? Secured funds, frictionless experiences for trusted partners, and the prevention of costly payout diversions. Read the full story: https://lnkd.in/gwxauxtY

Nacha’s 2026 ACH fraud rule is a seismic shift for anyone who facilitates money movement. Starting March 2026, the rule expands beyond WEB debits to cover all ACH transactions and brings RDFIs into scope. It requires risk-based fraud detection, including: ☑️ Account-ownership checks ☑️ Identity proofing ☑️ Continuous monitoring for unusual patterns ☑️ Protections against false-pretense scams Join Forrester’s Andras Cser and Socure’s Ori Snir and Emma Griffin on Dec. 16 to dive into the rollout timeline and the actionable steps you can take to meet the new requirements and strengthen fraud defenses. Register: https://lnkd.in/gFFrPuPE

At Money20/20, our CEO, Johnny Ayers, joined NYSE’s J.D. Durkin on NYSE Floor Talk to discuss the future of identity and risk. Their conversation highlighted how adaptive, data-driven decisioning allows organizations to stay ahead of emerging risks and meet rising consumer expectations for secure, frictionless experiences. As Johnny shared, “Our RiskOS® decisioning engine allows total flexibility,” capturing the mindset needed to stay ahead in this evolving threat landscape. This discussion reflects exactly how we think about the future of identity at Socure: enabling organizations to outpace fraudsters while keeping digital experiences secure, seamless, and trusted. Watch the full episode here 👉 https://lnkd.in/gfN52i6t

Turn policy intent into RiskOS-ready rules instantly. The fastest fraud decisions happen when analysts can move straight from idea to validation. The Rule Writing Assistant, part of the RiskOS AI Suite, converts plain English into precise, RiskOS-ready rule structure. It removes the translation bottleneck that used to slow drafting and review. Now, policy owners can: - Draft in natural language and get system-compatible logic immediately. - Save hours of time across review and error cycles by starting from a correct, validated rule structure instead of manual translation. - Validate and iterate faster with built-in backtesting on recent traffic and small-slice A/B tests. Learn how AI-assisted rule writing helps teams move at the speed of risk: https://lnkd.in/gnrREm4v

Most organizations still treat a phone number as a proxy for identity. That assumption is breaking down faster than anyone anticipated. Every year, more than 35 million U.S. phone numbers are recycled, and each reassignment can silently transfer control of an account, authentication factor, or recovery channel to someone else. When attackers intentionally acquire these recycled numbers, they inherit the trust history of legitimate users, passing legacy checks with ease while bypassing the very systems meant to protect them. This issue is not confined to one industry. It is quietly eroding the integrity of authentication across BNPL, banking, e-commerce, and payments, anywhere SMS one-time passcodes still underpin digital trust. Legacy verification logic, designed for static ownership, simply cannot tell when control has changed hands. Socure’s Dynamic Ownership Scoring replaces historical reputation with real-time intelligence, detecting number reassignments, SIM swaps, and device continuity shifts as they happen. Combined with our Five-Tier Framework for Precision Authentication, it transforms SMS-based verification from a blind trust mechanism into a live measure of identity control, preserving frictionless user experiences while neutralizing recycled-number fraud before compromise occurs. Read the full blog here: https://lnkd.in/eMAdgQYG

Ownership is a mindset, not a job description. “Act Like the Owner You Are” celebrates people who think long-term, step in without being asked, and build scalable solutions that deliver lasting product and business value. We’re proud to recognize Viswa Kannan, Principal Data Scientist, and Raghul Ravichandran, Technical Lead, as H1 2025 Socure Principle Award co-winners for exemplifying what it means to take ownership at every level. Viswa brings deep technical rigor and strategic foresight to his work — transforming complex data challenges into insights that make our models stronger and our systems more future-ready. His ability to connect the dots between analytics, scalability, and innovation ensures that the decisions we make today continue to deliver value tomorrow. Raghul is the definition of accountability in action. He strengthens the reliability and performance of critical fraud services through disciplined engineering and an unwavering focus on quality. His transition from QA to engineering is a masterclass in ownership — identifying opportunities, acting on them, and elevating the standard for the entire team. Please join us in congratulating Viswa and Raghul for living out Socure’s principle to Act Like the Owner You Are — thinking independently, building for the long term, and leading from every level. 🎉

We’re proud to share that Socure was named Transformation Trailblazer at the 2025 6sense Breakthrough Awards! Our Treasure Ops program impacted $52M in year-one pipeline and is on track to 4× growth by year-end, with 60% faster engagement on surging accounts and 3.5× higher reply rates on signal-stacked sequences. This recognition belongs to the cross-functional teams and customers who turned insight into measurable impact. Thank you, 6sense — excited to keep scaling what works. #6sBreakthrough25

Most companies think better KYC means more data. It doesn’t. A global remittance leader was trapped in a waterfall of legacy systems, each one adding friction, delays, and complexity without improving outcomes. Good customers were being rejected, not because of bad policy, but because of inconsistent data. Socure helped them break through with an adaptive verification layer that unified, cleaned, and standardized data before the rules ran. Suddenly, the same policies started working smarter. Approval rates rose an average of 10+ points across US and international markets, with some markets seeing up to 20% higher approvals than legacy stacks, all without sacrificing coverage or compliance. Smarter data. Broader coverage. Better decisions. That’s how you turn friction into growth.