Top 10 Platforms Helping Credit Unions Fight Fraud in 2026
Credit unions have always been built on trust. But in 2026, trust has to hold up in digital channels where fraud moves fast and members expect everything to be instant.
From account takeovers and synthetic identities to impersonation in contact centers and document tampering in lending workflows, credit unions are dealing with threats that traditional controls were not designed to stop. The strongest platforms today combine identity verification with fraud intelligence so credit unions can make confident decisions without adding friction for real members.
Below are 10 platforms credit unions should consider in 2026 if they want to reduce fraud, protect member experiences, and make high-risk actions more defensible.
1. Proof
Proof is an identity verification and fraud prevention platform built for high-trust digital transactions where identity must be verified, documented, and defensible. Credit unions use Proof to verify members during onboarding, confirm identity for high-risk changes, and add stronger verification to sensitive moments across the member lifecycle.
Unlike point solutions that return a score or a pass/fail decision, Proof helps credit unions establish verified identity with evidence they can stand behind.
Product highlights
- Identity verification with document and biometric checks designed for high-assurance use cases
- Human-in-the-loop review for edge cases where automation is not enough
- Fraud signals that help detect suspicious behavior and impersonation attempts
- Reusable verification outcomes that reduce repeat friction for trusted members
- Flexible integrations that fit digital onboarding and servicing workflows
Product lowlights
- Advanced workflows may require setup and configuration support
2. LexisNexis Risk Solutions
LexisNexis Risk Solutions offers identity and fraud risk intelligence powered by broad data networks and digital risk signals. Credit unions often use it to assess risk during account opening, detect anomalies, and strengthen fraud decisioning across channels.
Product highlights
- Strong identity attribute verification
- Risk scoring and fraud analytics
- Broad coverage for fraud and identity risk decisioning
Product lowlights
- Many teams pair it with a biometric identity verification solution for higher-assurance proofing
3. TransUnion
TransUnion provides identity and fraud tools that leverage credit bureau-linked data and risk signals. It is commonly used to support identity checks, risk evaluation, and lending workflows.
Product highlights
- Identity and risk signals tied to bureau data
- Useful for underwriting and credit-driven decisions
- Broad footprint across financial services
Product lowlights
- Often works best as part of a layered approach, rather than a complete end-to-end identity proofing experience
4. Experian
Experian offers identity and fraud solutions that help organizations detect suspicious patterns and reduce risk across onboarding and digital transactions. Many credit unions use Experian products to strengthen decisioning and flag higher-risk activity.
Product highlights
- Identity and fraud risk insights
- Useful signals for account opening and lending workflows
- Strong presence in financial services
Product lowlights
- Some workflows may require additional tools for step-up identity verification and higher-assurance proofing
5. BioCatch
BioCatch uses behavioral biometrics to detect patterns that may indicate account takeover, scams, or social engineering. Instead of verifying identity with an ID document, BioCatch focuses on how someone behaves during a session to help spot suspicious activity.
Product highlights
- Behavioral signals that can help detect ATO attempts and fraud patterns
- Works well for ongoing monitoring after login
- Can help reduce reliance on passwords and static challenge questions
Product lowlights
- Not an identity proofing solution, so it is typically paired with ID verification for onboarding and high-risk actions
6. FICO Falcon Fraud Manager
FICO Falcon is a well-known fraud detection platform used across financial services. It is primarily focused on transaction monitoring and real-time fraud scoring, helping teams detect suspicious activity and reduce losses.
Product highlights
- Strong fraud modeling and scoring for financial transactions
- Real-time monitoring capabilities
- Established platform in fraud prevention programs
Product lowlights
- Not designed for identity proofing, so credit unions often use a separate identity verification platform alongside it
7. ThreatMetrix (LexisNexis Digital Identity Network)
ThreatMetrix provides device, network, and behavioral intelligence to help identify risky sessions and detect fraud attempts such as automation, account takeover, and suspicious access patterns. It is commonly used as a fraud signal layer that informs step-up decisions.
Product highlights
- Device and session intelligence that helps detect anomalies
- Useful for spotting bots, scripted attacks, and unusual access patterns
- Can support step-up verification strategies in real time
Product lowlights
- Best used as part of a layered fraud strategy, not as a standalone identity verification solution
8. Onfido
Onfido offers document verification and biometric checks that support identity verification during digital onboarding. It is often used by teams that want automated identity proofing with a clean member experience.
Product highlights
- Document verification and biometric matching
- Automated identity verification flows
- Strong usability for digital-first onboarding
Product lowlights
- Many credit unions pair it with additional fraud tools for deeper risk detection across the session and lifecycle
9. Trulioo
Trulioo provides identity verification through data sources and attribute checks, with broad geographic coverage. It can be useful for credit unions that need flexible verification across a variety of identity documents and member profiles.
Product highlights
- Wide coverage across identity data sources
- Useful for identity checks beyond a single market
- Automated verification options
Product lowlights
- Not designed as a complete fraud prevention platform on its own, so many teams layer in device and behavioral risk signals
10. Jumio
Jumio offers identity verification using document authentication and biometric checks. It is commonly used for onboarding and identity verification workflows where teams want strong document support and a structured verification process.
Product highlights
- Document verification and biometric checks
- Broad ID support across document types
- Established identity verification provider in financial services
Product lowlights
- Some credit unions may still need additional tools for ongoing fraud monitoring, account takeover detection, and session risk signals
What Credit Unions Should Look For in a Fraud Prevention Solution
Not every fraud tool is built for credit union workflows. When evaluating solutions, focus on the areas that show up in real operations.
High-assurance identity verification: Make sure the platform can handle the moments that create real risk: onboarding, loan approvals, password resets, and account changes.
Fraud intelligence beyond a pass/fail result: Look for tools that detect suspicious patterns, not just validate a document image.
Step-up verification for high-risk actions: The goal is not to verify everyone the same way. It is to verify the right people at the right moments.
A member experience that does not create drop-off: Fraud prevention only works if real members can complete the journey without frustration.
Defensible records and auditability: When something goes wrong, you need evidence that holds up. Not just a score.
Credit unions do not have a trust problem. They have a fraud environment that is changing faster than legacy controls can adapt.
The right platform can help you stop more fraud, reduce manual review, and protect the member experience at the same time. Proof stands out because it brings high-assurance identity verification, fraud signals, and defensible evidence into one connected approach.
If you want to see how Proof supports credit union workflows, talk to our team >
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