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Experian CrossCore from Experian
Integrated fraud and identity management platform that helps financial institutions prevent fraud across the customer lifecycle. Features include identity verification, device intelligence, behavioral biometrics, and machine learning risk scoring to detect and prevent application fraud, account takeover, and payment fraud.
Product analysis by function
Fraud Detection and Prevention for Compliance
Solutions for identifying and preventing various types of fraud across banking channels and products.
More Fraud Detection and Prevention
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Data Integration and Sources
(8 Yes /8 Known /10 Possible features)
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Multi-source Data Aggregation Ability to ingest and process data from numerous sources (core banking, payments, KYC systems, etc.) |
Experian CrossCore integrates data from multiple sources, including device intelligence, behavioral biometrics, and identity verification solutions. This is described on their product page and in solution briefs. | |
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Real-time Data Processing Capability to process data and trigger analysis instantly as transactions occur. |
The platform provides real-time fraud risk scoring and decisioning as transactions occur (per vendor documentation). | |
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API Integration Support Supports integration via REST, SOAP, or other standard APIs for seamless data exchange. |
CrossCore is designed as an integration layer offering connectivity through REST APIs and supports external partner integration. | |
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Historical Data Import Ability to import and analyze historical transaction data for establishing baselines and trend analysis. |
Vendor documentation indicates the ability to import historical transaction data to improve detection and build customer profiles. | |
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External Data Feeds Integration with third-party data providers, such as watchlists, sanctions lists, and PEP databases. |
Integrates with third-party data providers, including watchlists and KYC vendors, as part of its identity verification. | |
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Batch Data Processing Supports processing large batches of data for end-of-day or scheduled checks. |
No information available | |
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Data Cleansing and Normalization Automatic normalization, deduplication, and cleansing of ingested data. |
The platform standardizes and consolidates data from multiple sources, indicating data cleansing and normalization. | |
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Scalable Ingestion Volume The maximum volume of records or transactions that can be ingested per second. |
No information available | |
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Data Encryption in Transit Ensures all ingested data is encrypted while moving between systems. |
Experian documentation states use of industry-standard encryption protocols for all data transfers. | |
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Data Encryption at Rest Ensures data is encrypted while stored in the system. |
Product compliance literature states data is encrypted at rest per regulatory requirements. |
Detection Engine
(9 Yes /9 Known /15 Possible features)
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Rule-based Detection Configurable static rules (e.g., thresholds, velocity, geographic restrictions) for identifying suspicious behavior. |
Provides configurable static rules; documentation includes the ability to limit by geography, thresholds, etc. | |
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Machine Learning Detection Uses machine learning algorithms to adaptively detect unknown patterns of fraud or compliance risk. |
Machine learning detection is explicitly advertised as a core differentiator for CrossCore. | |
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Custom Rule Builder Allows users to create and modify their own rules without programming. |
End-users are able to define customizable rule sets without direct programming. | |
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Behavioral Profiling Builds profiles for customers and accounts to detect deviations from normal activity. |
Behavioral profiling is included; product materials reference compiling behavior patterns per customer. | |
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Peer Group Analysis Compares customer activity to peer groups to spot anomalies. |
No information available | |
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Real-time Scoring Assigns risk/fraud scores to transactions or accounts instantly as activity is processed. |
Risk scores are generated in real-time as part of the platform’s core features. | |
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Adaptive Thresholds Adjusts detection thresholds dynamically based on risk and trends. |
No information available | |
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False Positive Rate Percentage of alerts identified as non-fraudulent during investigation. |
No information available | |
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Detection Latency Average time taken to identify and flag a suspicious event. |
No information available | |
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Outlier/Anomaly Detection Identifies rare events that deviate from established patterns. |
Anomaly detection is part of CrossCore’s ML-based approach to fraud detection. | |
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Threat Intelligence Integration Access to global fraud, cyber, and compliance threat intelligence feeds. |
No information available | |
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Case Prioritization & Risk Ranking Automatically scores and ranks alerts/cases by risk level. |
No information available | |
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Sanctions and Watchlist Screening Real-time checks against OFAC, FATF, UN, and custom lists. |
Per Experian documentation, real-time screening against global sanctions and watchlists (OFAC, FATF, UN) is supported. | |
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Regulatory Rule Updates Automated updates of detection rules and patterns according to latest regulatory requirements. |
Rules and pattern updates can be automated to respond to regulatory changes, as per vendor statements. | |
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Self-learning Feedback Loop System learns from investigator outcomes to reduce future false positives. |
System leverages investigator outcomes to retrain models and improve detection accuracy. |
Alert and Case Management
(2 Yes /2 Known /12 Possible features)
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Automated Alert Generation Automatically creates alerts for potentially suspicious activities based on detection rules. |
Automated alerts are a key advertised feature of the CrossCore platform. | |
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Case Assignment and Escalation Assigns cases to investigators and provides workflow for escalation to compliance officers or higher authorities. |
No information available | |
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Case Notes and Attachment Support Allows investigators to add notes and attach supporting documentation to cases. |
No information available | |
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Case Tracking and Audit Trail Maintains a complete history of all case actions and changes for compliance and audit needs. |
No information available | |
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SLA Management Monitors compliance with service level agreements (e.g., investigation deadlines). |
No information available | |
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Bulk Case Actions Enables management of multiple cases at once (e.g., close, escalate, assign). |
No information available | |
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Case Status Tracking Tracks the status (open, in progress, closed, etc.) for all alerts and cases. |
No information available | |
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Automated Case Resolution Suggestions Provides automatic recommendations for resolving alerts/cases based on machine learning or rule-based analysis. |
No information available | |
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Link Analysis between Cases Visualizes links and relationships between alerts and cases (e.g., network analysis). |
No information available | |
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Case Volume Capacity The maximum number of active cases that can be managed simultaneously. |
No information available | |
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Multi-user Collaboration Supports multiple users working on a case simultaneously with tracked changes. |
No information available | |
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Alert Deduplication Automatically removes duplicate alerts to improve investigator efficiency. |
CrossCore has alert deduplication as part of its effort to reduce investigation workload. |
User Access and Security
(8 Yes /8 Known /8 Possible features)
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Role-based Access Control (RBAC) Allows creation of user roles with defined permissions. |
Enterprise-grade user management with role definition is standard for Experian solutions. | |
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Two-factor Authentication Supports multi-factor login for enhanced user security. |
Documentation references multi-factor authentication options for user access. | |
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Single Sign-On (SSO) Integration Integrates with SSO standards (SAML, OAuth, etc.) for centralized authentication. |
CrossCore integrates with SSO protocols (SAML, OAuth) for enterprise environments. | |
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Granular Permission Management Enables detailed control over user rights at feature, data, or function level. |
Granular (feature- and data-level) user permissions are referenced in partner integration guides. | |
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User Activity Monitoring Tracks and logs all user actions for audit and security. |
Auditing and monitoring of user activity is described as part of governance and compliance features. | |
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Password Policy Enforcement Supports enforcing strong password requirements and expiration policies. |
Password requirements and management policies are configurable in CrossCore per admin manuals. | |
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Session Timeout Automatically logs out users after inactivity to prevent unauthorized access. |
Session timeout after inactivity is enabled for security (standard in regulated environments). | |
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Access Attempt Logging Logs all successful or failed login attempts. |
Access logs (success/failure) are available for audit and compliance. |
Reporting and Analytics
(8 Yes /8 Known /9 Possible features)
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Pre-built Reports Provides standardized reports for common compliance and fraud scenarios. |
Solution includes standard regulatory and fraud-prevention reporting templates. | |
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Custom Report Builder Allows users to design and schedule bespoke reports. |
Customers can design or schedule bespoke reports (mentioned in technical references). | |
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Dashboard Visualization Interactive dashboards to visualize key metrics and trends. |
Dashboard visualizations for risk, alerts, and KPIs are showcased on Experian product site. | |
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Drill-down Analytics Ability to explore data in more detail from high-level summaries. |
Interactive and drill-down analytics available (webinars and demos confirm). | |
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Real-time Monitoring Widgets Live visualization of current alerts, cases, and operational KPIs. |
Real-time indicators and widgets are displayed in UI screenshots and user guides. | |
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Scheduled Report Distribution Automated emailing or distribution of regular reports. |
Automated/scheduled reporting features are specified in CrossCore guides. | |
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Exportable Data Formats Reports can be exported as PDF, CSV, XLS, etc. |
Export to PDF, CSV, and Excel formats is listed as a reporting feature. | |
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Regulatory Compliance Reporting Meets local and global compliance reporting mandates (e.g., SAR, STR, CTR, AMLD). |
CrossCore provides compliance reporting for regulatory bodies, including SARs/STRs. | |
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Case Closure Time Analysis Reporting on average time to resolution for cases. |
No information available |
Compliance and Regulation Support
(8 Yes /8 Known /9 Possible features)
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Configurable Regulatory Rules Flexibility to update compliance checks as local or global regulations change. |
Product documentation highlights the ability to flexibly update and configure compliance checks. | |
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Automated Regulatory Updates System automatically receives and applies updates for new laws, sanctions, and best practices. |
CrossCore receives regulatory updates from Experian with automated distribution. | |
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Regulatory Audit Trail Complete, immutable logs for every action, decision, and change to meet regulator requirements. |
Auditing and audit trails for regulator review are included as standard in solution guides. | |
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Retention Policy Management Configurable policies for data and case retention according to jurisdiction. |
No information available | |
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SAR/STR Generation Automatic generation and formatting of Suspicious Activity/Transaction Reports. |
Automatic SAR/STR generation and formatting is an advertised feature. | |
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Customer Due Diligence (CDD) Support Verifies customer identity and risk at onboarding and ongoing intervals. |
Supports CDD/KYC policies as part of onboarding and ongoing customer risk monitoring. | |
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Ongoing Monitoring of PEPs Continuous checks on Politically Exposed Persons and related entities. |
Continuous screening of PEPs and their associates through connected lists and partners. | |
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KYC/AML Compliance Tools Supports comprehensive Know Your Customer (KYC) and Anti-Money Laundering (AML) checks. |
Full KYC/AML tool coverage is highlighted in product documentation. | |
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Cross-border Compliance Support Handles international regulations and cross-jurisdiction risk scenarios. |
Designed for global and cross-jurisdiction compliance use cases. |
Platform Scalability and Performance
(5 Yes /5 Known /8 Possible features)
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Horizontal Scalability The system can add resources across servers or clusters for greater throughput. |
Scalability is highlighted with reference architectures mentioning horizontal scaling models. | |
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Vertical Scalability Supports increased performance by adding hardware to a single node. |
Platform supports both adding nodes and increasing single-node strength according to deployment type. | |
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Cloud Deployment Support Functions in cloud environments (AWS, Azure, GCP) for flexibility and resilience. |
CrossCore is cloud-native and supports AWS, Azure, and GCP deployments. | |
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On-premise Deployment Support Can be installed in a privately managed infrastructure for data residency requirements. |
On-premise deployments are available for clients with residency or policy requirements. | |
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Average Transaction Processing Speed Time taken to process and analyze a transaction/event. |
No information available | |
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Maximum Supported Users Peak concurrent users the system can handle without performance degradation. |
No information available | |
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Maximum Supported Data Volume Total amount of historical data the platform can store and analyze efficiently. |
No information available | |
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Disaster Recovery Capability Automated backup, replication, and rapid recovery in case of hardware or software failure. |
Disaster recovery and resilience are commitments in Experian cloud hosting SLA docs. |
User Interface and Experience
(5 Yes /5 Known /8 Possible features)
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Intuitive Navigation Modern, user-friendly design for easy access to key functions and data. |
UI and navigation are described as user-friendly and modern in product marketing and customer reviews. | |
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Customizable Dashboards Users can personalize dashboards to focus on relevant alerts, KPIs, and tasks. |
Dashboards can be customized to user preference (referenced in user training materials). | |
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Responsiveness Interface functions well on desktop, tablet, and mobile devices. |
The UI is responsive, supporting web, mobile, and tablet devices. | |
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Accessibility Compliance (WCAG) Meets accessibility standards for vision, hearing, and mobility-impaired users. |
No information available | |
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Multilingual Support Supports operation and visualization in multiple languages. |
No information available | |
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Contextual Help and Tooltips Built-in guidance and documentation available throughout the platform. |
Contextual help, tooltips, and walkthroughs are documented in user onboarding materials. | |
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Quick Search and Filtering Fast lookup and advanced filtering for cases, alerts, and transactions. |
Quick search and advanced filtering are featured in product screenshots and walkthroughs. | |
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Bulk Data Editing Ability to process and update multiple records at once. |
No information available |
Integration and Extensibility
(3 Yes /3 Known /8 Possible features)
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RESTful API Availability Comprehensive APIs for fetching or pushing data to/from other systems. |
REST API integration is a primary function of CrossCore for client and partner systems. | |
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Webhook Support Send push notifications to external systems as events occur. |
No information available | |
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Third-party Connector Marketplace Prebuilt connectors for leading systems (CRM, core banking, data enrichment, etc.). |
No information available | |
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Custom Workflow Integration Allows incorporation of custom business logic or process automations. |
Provision for custom workflow integration is included for enterprise use cases. | |
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Scripting & Plugin Support Extend platform with custom scripts or plug-ins as needed. |
No information available | |
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Event-driven Architecture Supports trigger-based actions and responses to key platform events. |
No information available | |
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Legacy System Integration Specialized adapters for older or proprietary systems. |
No information available | |
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Data Output Formats Range of supported export formats for data exchange (CSV, JSON, XML). |
Data output and report exports in multiple formats such as CSV, JSON, XML are supported. |
Customer and Transaction Monitoring
(8 Yes /8 Known /9 Possible features)
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Continuous Transaction Monitoring Ongoing real-time monitoring of all banking and payment transactions. |
CrossCore monitors customer transactions in real time to detect fraud. | |
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Customer Risk Scoring Assigns and updates risk scores for individual and business customers. |
Customer rusk scoring is a central feature, with scores recalibrated as new data comes in. | |
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Channel Monitoring Monitors transactions across branches, ATMs, online, mobile, call centers, etc. |
Monitors transactions across all customer channels, per product description. | |
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Entity Relationship Mapping Identifies connections between accounts, customers, vendors, and third parties. |
Entity relationship mapping is supported to identify connections and complex fraud rings. | |
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Transaction Velocity Checks Detects rapid succession of transactions that may indicate structuring or layering. |
Detects structuring/layering using transaction velocity checks, as stated in solution briefs. | |
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Geolocation Analysis Identifies transactions occurring from unusual or high-risk locations. |
Geolocation analysis for fraud and AML risk detection is natively supported. | |
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Device Fingerprinting Detects usage of new, risky, or known suspicious devices. |
Device fingerprinting technologies are part of CrossCore’s device intelligence module. | |
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Biometric/Behavioral Biometrics Monitoring Supports detection of fraud via typing patterns, voice, facial recognition, etc. |
Supports integration of behavioral biometrics, including typing patterns and device-based authentication. | |
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Real-time Alerts to Customers Notifies customers immediately when potentially suspicious activity is detected. |
No information available |
Support, Maintenance, and Vendor Reliability
(5 Yes /5 Known /7 Possible features)
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24/7 Technical Support Access to round-the-clock technical support team. |
24/7 support available according to the Experian product support commitment. | |
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Comprehensive Documentation Well-maintained reference docs, including API and configuration guides. |
Comprehensive documentation, including API and admin guides, available to clients. | |
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Service Level Agreement (SLA) Uptime Guaranteed minimum percentage of system availability. |
No information available | |
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Regular Product Updates Product enhancements and security patches delivered regularly. |
Product is updated regularly with feature improvements and compliance patches. | |
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Customer Success Management Dedicated resources for onboarding, training, and continual improvement. |
Experian assigns customer success managers for onboarding and ongoing improvement. | |
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Issue and Ticket Tracking System Central system for raising, tracking, and managing support incidents. |
Support tickets and case tracking system is provided via Experian's customer support portal. | |
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Online Community/Knowledge Base Access to user forums, known issues, and best practices resources. |
No information available |
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