Business Email Compromise Prevention
Business Email Compromise is one of the costliest forms of payment fraud, and deepfake and GenAI tools are making fraudulent payment instructions harder for business customers to spot. A single incident can create hundreds of thousands of dollars in losses, plus operational, legal, and relationship costs for the bank.
Manual callbacks are slow and unreliable: customers may not answer, and when they do, they often verify the transaction without revealing how the payment instruction was received.
Refine validates the story behind high-risk business payments.
Refine automatically engages business customers through trusted digital channels, asks how payment instructions were received, captures context on the beneficiary and transfer purpose, and provides in-context education when the interaction suggests possible compromise.
Stop relying on a yes/no callback.
In BEC scenarios, asking “did you authorize this?” often is not enough. The customer may believe the request is legitimate. Refine gathers the payment story instead: who requested the transfer, how instructions changed, whether the beneficiary is known, and whether the context fits normal business behavior.
80+% business customer response rate through trusted digital engagement
Works with existing fraud detection, wire, and ACH workflows
Addresses vendor compromise, payment instruction changes, & sophisticated CEO scams
Benefits
- Contain BEC attacks faster with automated business-customer outreach
- Reduce manual callbacks for frontline, deposit ops, and fraud teams
- Capture the context behind payment instructions before funds move
- Provide consistent, in-context education without relying on staff scripts
- Escalate high-risk responses with clear recommendations and audit-ready evidence
- Adapt playbooks quickly for vendor compromise, CEO fraud, and deepfake-driven attacks
How It Works
A suspect wire or ACH transfer is flagged by the bank’s existing detection system
Refine’s agentic analyst determines whether the business customer should be engaged.
Refine sends a trusted, bank-branded digital inquiry to the relevant business contact.
Refine provides in-context education and analyzes whether the story indicates vendor compromise, CEO fraud, or social engineering
The bank receives the response, recommendation, and audit trail to release, hold, or escalate the payment.
