Documentation Index
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Overview
The Enfuce Bureau of Investigation (EBI) is Enfuce’s fully managed fraud monitoring service. Rather than handing you a set of tools and leaving you to figure it out, EBI combines real-time transaction monitoring, expert fraud analysts, AI and data science, and deep card scheme knowledge into a single managed service — so you can focus on building your product while we protect your cardholders. EBI monitors authorisations across credit, debit, prepaid, closed-loop, corporate, and fintech card programmes — over 250 million authorisations per year across 60+ active customers. That scale of visibility matters: fraud patterns do not respect programme boundaries, and the signals EBI observes across one card base routinely inform detection logic that protects all of them. A new attack vector appearing on one programme is identified, understood, and countered across the entire customer base — often before it reaches yours.What EBI covers
EBI is not a fraud tool you configure and run yourself. It is a fully staffed, continuously operating service that takes ownership of fraud monitoring on your behalf. Here is what that includes from day one. Real-time transaction monitoring Every authorisation and token provisioning on your programme passes through Enfuce’s rules engine and AI models in real time. Suspicious events are flagged instantly — not batched. When a case is created, the card is immediately set to a restricted status to prevent further exposure while the case is investigated. Expert fraud analyst review Flagged cases are reviewed by experienced EBI fraud analysts before reaching your team. Analysts determine whether a case warrants cardholder contact, apply their knowledge of current fraud patterns, and route the case with relevant context so your operations team can act efficiently. You are not left to make that judgement alone. Tuned rules and AI models Fraud patterns evolve constantly. EBI’s rule writers and data scientists continuously tune detection logic in response to emerging attack vectors, changes in your cardholder base, and shifts in industry-wide fraud trends. Your programme benefits from this ongoing improvement without any action required on your side. Fraud reporting to card schemes Where fraud is confirmed, EBI handles the mandatory reporting obligations to Visa and Mastercard on your behalf. Scheme compliance is complex and deadline-driven — EBI ensures it is done correctly and on time. Compliance built in EBI operates in full compliance with PCI-DSS, GDPR, PSD2, and applicable card scheme rules. Regulatory and scheme requirements are not your problem to track — they are built into how EBI operates.The value to your programme
Fraud is a specialist discipline. Building an in-house capability that matches the depth of EBI — the analysts, the tooling, the scheme relationships, the continuous model tuning — would require significant investment in people, infrastructure, and expertise that takes years to develop. EBI gives you that capability immediately, at a fraction of the cost, and scales with your programme as it grows. The practical benefits are direct: Lower fraud losses. Monitoring over 250 million authorisations per year across more than 60 customers means EBI’s detection logic is continuously informed by a wide and diverse view of fraud activity. Patterns that emerge on one programme are rapidly understood and applied across all of them. One enterprise customer saw monthly chargebacks fall by approximately 85% after migrating to Enfuce. Lower fraud rates mean lower losses, lower chargeback costs, less carholder friction and reduced scheme penalty risk. Cardholder trust. Cardholders who experience fraud and are handled well — quickly, competently, with minimal disruption — stay. Cardholders who feel unsupported do not. EBI’s monitoring minimises the likelihood of fraud occurring in the first place, and the case management workflow ensures that when it does occur, it is resolved smoothly. Operational focus. Your customer operations team is not expected to become fraud experts. EBI handles the detection, the analysis, and the scheme reporting. Your team’s role is targeted: contact the cardholder to verify, record the outcome, and close the case. The process is structured so that even a small operations team can handle fraud cases confidently. Scheme standing. Issuers with high fraud rates attract scheme scrutiny, fines, and in extreme cases, restrictions on their ability to issue cards. EBI keeps your fraud metrics well within acceptable thresholds, protecting your scheme standing and your ability to operate.How EBI works
EBI operates across three layers simultaneously:| Layer | What happens |
|---|---|
| Technology | Real-time rules engine and AI models assess every authorisation |
| People | Fraud analysts review flagged cases; rule writers tune detection logic; compliance specialists manage scheme relationships |
| Process | Structured workflows route cases to your team, capture outcomes, and feed results back into the monitoring engine |
Working with the EBI team
EBI is not a black box. It is a collaborative service, and the relationship between your team and the EBI team is a key part of how it works. When you onboard with EBI, the team takes time to understand your programme — the product type, the cardholder demographic, the expected spend patterns, and any specific risk areas relevant to your use case. This context directly informs how detection rules are configured and prioritised for your programme from the start. As your programme matures, the EBI team stays close. Fraud patterns are reviewed regularly, and your dedicated contacts will proactively flag emerging trends that affect your card type or geography, recommend rule adjustments in response to changing attack patterns, and advise on operational improvements to how your team handles cases. If your programme experiences a new type of fraud attack, you are not waiting for a support ticket to be processed — you are working with people who already know your programme and can respond quickly. Your operations team also has direct access to EBI expertise when they need it. If a case is ambiguous, if a cardholder situation is unusual, or if your team is unsure how to proceed, EBI analysts are available to advise. This is especially valuable in the early months of a programme, when your team is building familiarity with fraud case handling. The EBI team also runs onboarding and training for your customer-facing and operations staff, covering how to handle cardholder fraud calls, how to use the MyEnfuce case management portal, and how to recognise the most common fraud scenarios your cardholders are likely to encounter. Ongoing training is available as your team changes or as fraud patterns shift.Related pages
Case Management in MyEnfuce
How to view, review, and resolve fraud notifications in the portal
Key Fraud Considerations
SCA fraud trends, usage limiters, and notification best practices