Tools

Quantify the True Cost of Bank Impersonation Fraud

See the full financial impact of a single wave of bank impersonation attacks on your institution, modeled from your asset base using industry-validated research. No prior incident data required.

Fraud Impact Simulator | Refine Intelligence

Attack Impact Simulator

Quantify the true cost of
bank impersonation fraud.

See the full financial impact of a single wave of bank impersonation attacks on your institution, modeled from your asset base using industry-validated research. No prior incident data required.

Your Institution

Enter your total assets under management

Everything else is derived automatically using FDIC community bank benchmarks and industry research. No prior fraud incident data needed.

Total assets

1.0 billion USD

$100M$25B$50B$75B$100B

Or enter exact amount:

$ B

Account mix Drag to adjust consumer / commercial split

50%

Consumer

50%

Commercial

100% consumer100% commercial

Estimated customer base

Direct victims in a wave

Customers aware of attack

Attack Scenario Assumptions

These parameters are pre-set based on industry research and conversations with community bank customers. They reflect a realistic single-wave attack scenario.

Consumer fraud loss / victim ($)

FTC 2024: median consumer bank impersonation $2K–$5K

Commercial fraud loss / victim ($)

AFP 2024: SMB wire/ACH ATO avg $9K–$20K per incident

Funds recovery rate (%)

Industry norm for APP/ATO outbound push payments

Bank reimbursement rate (%)

Reg E / CFPB pressure + current bank practice trends

NIM rate (%)

FDIC Q4 2024 community bank net interest margin

Impact Assessment Results

Scenario range

Total impact breakdown

Financial damage by category from a single attack wave

Full cost waterfall

Every dollar of economic damage from a single attack wave

Step-by-step breakdown of every calculation in this simulation. All values update live when you adjust the asset slider. Sources and assumptions are noted for each step.

Adjust the annual growth rate of attack frequency to project cumulative economic impact over 5 years. A single unmitigated wave is Year 1 baseline; subsequent years reflect compounding attack frequency and increasing reimbursement, operational, and deposit attrition costs.

Annual attack frequency growth rate 30%

Why attacks compound

Each successful wave exposes customer credential patterns, weakens institutional defenses, and creates mule account networks that attackers reuse. Akamai 2024 documented 150% year-over-year growth in banking phishing infrastructure. Without mitigation, frequency accelerates.

Quantify the true cost ofbank impersonation fraud.

Quantify the true cost of
bank impersonation fraud.