Tinkoff has developed a drop monitoring system

Tinkoff has developed a system that automatically allows you to identify drops — clients who issue cards not for their own use, but for the needs of fraudsters in order to withdraw victims' funds to them. The system allows you to identify such clients even before money received by criminal means is credited to their account, and also reduces the number of drops in the bank by half.

To create the system, a large amount of data was analyzed, millions of transactions of Tinkoff clients, including those who used the card exclusively for dishonest purposes. Using the analysis, a “portrait of a drop” was compiled — signs that indicate a high probability that the client issued a card in order to sell or transfer it to fraudsters. Among the factors: re-registration to another phone number, receipt of small amounts immediately after opening an account for the so-called warming up of the drop, and much more.

The portrait formed the basis for the system, enhanced by artificial intelligence, which in real time identifies suspicious behavior of the client based on 1 thousand different factors and sends a signal. After this, the employee checks all identified matches with the “drop portrait”, if necessary, conducts an additional investigation or immediately restricts remote banking services. This makes it difficult for fraudsters to receive and withdraw funds through transfers or ATMs.

“Droppers have characteristic behavioral signs, the way they use the account and the application, or the fact that they transfer money to suspicious details. Thanks to the system, it was possible to reduce the number of drops by half over the course of a year. And proactively limiting actions on drop accounts reduced losses due to their dishonest activities by 2.5 times,” explains Oleg Zamiralov, head of the Tinkoff Center for Ecosystem Protection.

Increasingly, scammers are recruiting young people into drops — for young people this is easy and quick income, and they do not always understand the consequences of actions such as selling cards, which are then used to commit crimes: “Thanks to the system, we have identified more than 66 thousand accounts that teenagers sold to criminals,” adds Oleg Zamiralov.

To learn how to bypass bank security systems, scammers create special groups for drops, in which they discuss ways to avoid blocking accounts . Tinkoff regularly identifies such groups and publics and sends them for blocking.

One ​​of the reviews from users of such a group: