What is Account Takeover?
Account takeover is when an attacker gains control of a legitimate user account, usually through credential stuffing or phishing, and uses it as their own.
How it works
Once inside, attackers drain balances, change contact details to lock the real user out, and use the account's history and trust to defraud others.
Why it matters for insurance
Every takeover is a support incident, a potential chargeback, and a user who may never come back. For your rating engine, that means your loss ratios stay protected and policyholders get a fair experience.
How RiskRampart detects it
RiskRampart scores every request against behavioral, network, and device signals, so automated patterns surface even when they imitate real policyholders. Suspicious sessions get challenged or blocked before they reach your rating engine.