Account Takeover Protection

  1. Risk & Fraud Management
  2. Account Takeover Protection
  3. User Activity Monitoring

Detect Account Takeover Risk in Session

Fraudsters don't always announce themselves at login. Q2 User Activity Monitoring analyzes behavior throughout the digital banking session to identify known fraud patterns in real time, before money moves.
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UAT

Address a critical fraud protection gap

Most fraud tools check credentials at login or flag anomalies at the transaction. User Activity Monitoring watches what’s happening during the session—like navigation behavior, event sequencing, and interaction timing—to surface risk signals before a transaction occurs. It covers the visibility gap that traditional point-in-time controls leave open.

Identify threats even when credentials are valid

Stolen credentials make attackers look legitimate at login. User Activity Monitoring goes beyond the login check by analyzing behavior patterns within the session to identify sequences that indicate account takeover, even when the credentials themselves raise no flags. It uses AI to learn from each suspicious action it identifies and resolves, getting smarter each time in determining what is fraud, and what is legitimate activity.  

  • Detect known attack sequences based on confirmed fraud patterns, not just rules
  • Identify suspicious behavior regardless of how the attacker accesses digital banking
  • Deliver protection from day one with a pre-built library of detectors built on confirmed attack patterns
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Clear signals. Faster investigations. Less noise.

When User Activity Monitoring detects a potential threat, fraud analysts get more than just an alert. They get context. Clear, AI-generated explanations of flagged sessions,  detailed timelines of relevant events, and integrated case management give teams what they need to investigate and resolve cases faster. 

  • AI-generated case summaries explain flagged sessions in plain language
  • Detailed session timelines surface the most relevant activity for review
  • Targeted detection keeps false positives low, reducing workloads
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Proven Success

“User Activity Monitoring is helping us uncover high-risk activity earlier, refine our fraud strategies proactively, and collaborate more closely with Q2 to continuously improve detection accuracy. ”

John Schulte
VP and Digital Banking Lead 

FAQs

Does User Activity Monitoring require historical data to start detecting fraud?

No. User Activity Monitoring uses a predefined set of detectors built on confirmed fraud patterns, so it can identify threats from the first session without needing to establish a behavioral baseline for each individual user first. 

Does User Activity Monitoring replace our existing fraud tools?

It complements them. User Activity Monitoring fills the gap between login monitoring and transaction monitoring by providing visibility into session behavior. It feeds signals into your existing decisioning and response workflows rather than replacing them. 

What happens after User Activity Monitoring detects risk?

User Activity Monitoring generates real-time risk signals that feed into your existing fraud workflows. When paired with Q2 Restricted Entitlements Mode, you can vary the levels of friction—like step-up authentication, account restrictions, and transaction limits, etc.—without requiring the account to be locked or the user to be locked out entirely. 

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