CFT OF FRAMOS

Main articles:

• SaaS - History. Philosophy. Drivers of development
• Fraud Detection System (fraud, fraud detection system)

2019

Fulfillment of requirements of the Central Bank on supported risk indicators

Faktura.ru supported risk indicators of SBP of the Bank of Russia. Announced this CFT on December 30, 2020.

Faktura.ru together with a cloud service a fraud monitoring of FRAMOS fulfilled the requirements of the regulator and provided to partner banks timely accomplishment of rules. Read more here.

Integration with Secure Bank within service for protection against fraud in Internet banks

On August 27, 2019 the company Group-IB reported that together with the Center Financial of Technologies (CFT) developed service for protection against financial fraud in systems Internet- banking. Within this solution partners integrated technologies of a transaction and session antifraud that allows to prevent any types attacks on clients banks, including using social engineering and also to fulfill the requirements of the regulator.

Components of the joint solution are a cloud service a fraud monitoring of FRAMOS from Faktura.ru (enters into CFT Group) and the system of pro-active detection of financial fraud on all devices of the client of Group-IB Secure Bank. Integration of a transaction and session antifraud allows to approach in a complex protection of money of clients and also to optimize tracking and blocking of fraudulent activity of any type, including, using social engineering.

FRAMOS is focused on monitoring of the transactions which are not corresponding to the client's profile, identification of atypical transactions and also blocking of operations with the "black lists" provided CENTRAL BANK RUSSIAN FEDERATION. At the same time flexible configuration of a system a fraud monitoring allows to consider features of specific partner bank. In addition to a classical antifraud of Group-IB Secure Bank reveals harmful activity long before implementation of financial transaction, analyzing behavior of the user, parameters of the device used for an input in Internet bank and indicators of a compromise. Applying the behavioural analysis based on machine learning together with technology of a fingerprinting (digital "print" of the device), Secure Bank monitors use of the stolen accounting data, web injections, bank trojans and other types of financial fraud.

FRAMOS and Secure Bank provide protection against fraudulent transactions both in a personal account of users, and at the level of IT systems of bank.

"The synergy of a transaction and session antifraud allowed us to create a uniform complex of cyber defense of RBS which is deprived of shortcomings of each of approaches separately — Pavel Krylov, the head on development of Group-IB Secure Bank comments. — Any fraud requires preparation: Secure Bank "is able" to reveal signs of fraud at the earliest stage in real time, allowing to detect suspicious sessions in the application for mobile banking on the smartphone or in Internet bank on a desktop. Supplementing it with a classical transaction antifraud, we give to banks the chance to react preventively to any models of threats, including mass infections or the multistage attacks using methods of social engineering with which new schemes appear actually every month".

Use of technologies of CFT and Group-IB allows to meet requirements of the regulator and to provide accomplishment of law 167-FZ "About making changes in separate legal acts of the Russian Federation regarding counteraction to plunder of money". Besides, Secure Bank technologies give the chance to reveal communications between accounts of legal entities and the used devices, help to detect networks of illegal cashing in of money and avoidance of taxes that allows to provide execution 115-FZ "About counteraction of legalization of income gained in the criminal way and to terrorism financing" (with changes became effective 12/27/2018).

Combining efforts with Group-IB, we combine technologies, experience and millions of user cases for working off of different types of cyberthreats. Adding of a session antifraud to FRAMOS allows us to offer banks considerably other approach to protection. He enriches our model of threats of the analysis of actions of the client and allows "see" much more deeply what occurs on user side. Selecting the joint solution of Faktura.ru and Group-IB, banks optimize costs of administrative, technical and financial character. Investments into connection of each of systems separately considerably exceed the cost of the complex offer which not only covers all range of cyberthreats and financial fraud, but also by default allows to fulfill the requirements of the regulator,

The joint solution of CFT and Group-IB is provided for free testing for a period of 1 month. The cloud principle of delivery of the solution allows to reduce costs for a physical part of infrastructure of the solution and to start it in the shortest possible time. CFT will be engaged in sale of the solution: in architecture of a cloud service of FRAMOS the Secure Bank system will be offered as an additional component of cyber security.

Start in commercial operation

On March 19, 2019 CFT announced start in commercial operation cloud a fraud monitoring of FRAMOS for the banks using F.Business there is an Internet bank for corporate clients from Faktura.ru. FRAMOS allows bank in the shortest possible time (from 1 working day) to start the solution meeting the requirements of law 167-FZ "About making changes in separate legal acts of the Russian Federation regarding counteraction to plunder of money". The cloud fraud monitoring includes all stages of working off of suspicious transactions and allows banks to focus on profile activity while all tasks connected with an antifraud will be undertaken by specialists of FRAMOS.

FRAMOS conforms to the requirements of identification and processing of suspicious transactions set to the Central Bank. First of all it is monitoring of the transactions which are not corresponding to the client's profile, blocking of atypical transactions, social engineering and also blocking of operations with the "black lists" provided to the Central Bank of the Russian Federation. At the same time flexible configuration of a system a fraud monitoring allows to consider features of specific partner bank.

Experts of department a fraud monitoring provide operational informing and working off with clients of incidents and suspicions on a fraud. If necessary integration of FRAMOS with own call center / service of monitoring of bank is possible.

FRAMOS provides to banks all information required for report generation of the standardized form for FINTSERT.

Connection to FRAMOS does not require completions on the party of bank and does not depend on the used core banking system.