secures $37M Series A to preempt Digital Impersonation & ATO scams   🎉

CREDIT UNIONS

Disrupt brand scams and protect the 
trust that powers your credit union

Credit union members are increasingly targeted by brand impersonation scams that lead to account takeover, as attackers exploit member trust and slower detection. Memcyco’s  gives credit unions a real-time advantage to detect account takeover risk earlier, before losses occur.

What credit unions are facing

Smaller teams,
bigger pressure

Detection that
comes too late

Higher impact
per incident

Manual workflows
don’t scale

Easier to
exploit trust

Always-on
digital exposure

How memcyco protects credit unions in real time

Detect impersonation early, identify at-risk members, and prevent account takeover before it impacts member accounts.

Detect impersonation
and phishing early

Memcyco reveals impersonation and phishing activity in its earliest stages, detecting reconnaissance and spoofing patterns before fake domains or campaigns reach customers.

Identify exposed members

When cloned portals or fraudulent apps capture credentials, Memcyco exposes the activity in real time, identifying affected users and alerting teams before the attack escalates.

Connect exposure to access attempts

Decoy credentials trigger alerts the moment they’re harvested. When reused on the genuine site, Memcyco traces the source device and blocks repeat attempts to prevent takeovers.

Intervene before
account takeover

Detects proxy-based and relay-driven login attempts that bypass MFA or exploit stolen cookies. Suspicious sessions are intercepted before authentication completes.

Contain impact and
reduce losses

Recognizes behavioral signs of remote control or guided logins, allowing your teams to step up verification or blocks risky sessions before any loss occurs.

Together

these capabilities give credit unions the visibility, control and confidence to stay ahead of scams, and protect member trust.

PROVEN IMPACT

12-month outcomes for a
major North American bank

55%

Reduction in ATO Incidents

$18M

Annual Savings Realized

Zero

Mean-Time-To-Detect

But don’t just take our word for it

What security and fraud prevention leaders say about Memcyco

Innovation That Sets a New Standard

Recognized as a game-changer in cyber fraud preemption

The window of exposure

The window where scams succeed

The Window of Exposure is the time from when a scam goes live, to when it is taken down. That is when account takeover can succeed, before your controls see or do anything.

CAPABILITY COMPARISON

A quick way to see what changes when protections shifts into the scam phase.

CAPABILITY

WITHOUT MEMCYCO

TRADITIONAL SOLUTIONS

WITH MEMCYCO

With Memcyco

Detection
Timing

After discovery, or after impact.
In-attack, during scam exposure and at authentication, before takeover completes.

Scope

External monitoring, takedown, and server-side controls.
Real-time signals on the genuine channel, plus cross-channel monitoring and correlation

Victim Visibility

None, victims remain unknown.
Per-victim identification and device mapping.

Prevention

Limited, often reduced to alerts or broad friction.
Decoy credentials, deception, and optional quarantine.

Threat Reponse

Manual workflows and slow escalation.
Automated takedown initiation, device flagging, and risk enrichment.
Operational Benefits

A new reality for every team

Gain preemptive visibility into scam exposure and prioritize real risk and reduce the volume of cases reaching the dispute stage.

Gain the earliest possible, reliable indicators attack activity, for near-instant investigation and response.

Protect brand trust earlier, so campaigns can run without exposing customers or undermining marketing spend.

Other sectors we serve

Retail & eCommerce

Retail & eCommerce

Protect shopper trust, reduce customer care pressure, and gain visibility into fake e-stores, promo scams, refund scams, and search-driven impersonation.

Airlines

Airlines

Protect loyalty revenue, reduce account recovery pressure, and gain visibility into fake booking, refund, and mileage theft journeys.

Banks

Banks

Reduce ATO exposure, protect customer login journeys, and ease fraud, liability, and account recovery pressure.

Hospitality

Hospitality

Preserve guest trust, reduce booking support pressure, and gain visibility into fake reservation, payment verification, and loyalty account journeys.

Crypto & E-wallets

Crypto & E-wallets

Secure customer access, reduce account recovery pressure, and gain visibility into fake login, wallet impersonation, and credential theft journeys.

Logistics

Logistics

Preserve customer trust, reduce support workload, and gain visibility into fake tracking, customs fee, and redelivery scam exposure.

Utilities

Utilities

Protect customer trust, reduce service desk and fraud investigation workload, and gain visibility into fake billing portals, payment scams, and account impersonation journeys.

Education & University

Education & University

Shield student and staff account compromise, secure tuition payment journeys, and ease IT helpdesk pressure from fake portals and credential theft.

Credit Unions

Credit Unions

Protect member trust, reduce ATO exposure, and ease fraud response and account recovery pressure on lean teams.

Get a Custom Demo

See it in action and discover why others switch to Memcyco

Get a demo to learn how Memcyco customers:

  • Identify individual scam victims in real-time
  • Predict and preempt ATO incidents
  • Deceive threat actors

Frequently asked questions

Why do phishing and impersonation scams still lead to account takeover in banks?

Memcyco does not block remote tools or rely on application signatures. Instead, it detects when remote control intersects with sensitive interaction on the protected site.

Legitimate IT support sessions are automatically learned and suppressed over time.

Malicious sessions are identified only when remote control is active during authentication or high-risk interaction, and correlated with device history and session context.

This avoids false positives while exposing attacker control only when it creates real risk.

How can banks identify customers exposed to phishing scams?

Remote access scams originate from the victim’s own device and network.

  • The device fingerprint matches a known trusted profile
  • The IP address is the victim’s residential connection
  • MFA succeeds because the victim is present

Traditional controls see a legitimate user.

Memcyco closes this blind spot by detecting remote control activity during live interaction, revealing when control of a trusted device has silently shifted to a third party.

Why don’t phishing site takedowns prevent fraud?

Memcyco does not analyze typing cadence, mouse dynamics, or post-login behavior.

Instead, it detects technical indicators of remote control at the browser and session level, and correlates them with:

  • device continuity
  • session integrity
  • authentication context
  • known ATO and impersonation signals

This allows Memcyco to expose attacker-controlled access without monitoring user behavior or transactions, preserving privacy and reducing false positives.

How can banks reduce fraud investigation caseload from phishing attacks?

No. Memcyco does not monitor network traffic, ports, DNS, or remote desktop protocols.

Detection occurs entirely at the protected site, using browser-level and device-level telemetry when users interact with your application.

This avoids dependency on network visibility, endpoint agents, or SSL inspection, and works equally for web-based and native remote tools.

What early signals indicate an account takeover attack in progress?

Protective actions are triggered only when multiple high-confidence signals indicate probable attacker control during sensitive interaction.

Signals are correlated across:

  • remote control indicators
  • device history
  • session anomalies
  • known fraud patterns

This ensures warnings or protections are activated only when manipulation risk is high, avoiding disruption of legitimate support sessions or normal user activity.

How does Memcyco prevent replay and escalation after remote access attacks?

When stolen credentials are replayed, Memcyco:

  • detects reuse attempts from attacker-linked devices
  • substitutes exposed credentials with decoys at authentication
  • delivers verified victim and device intelligence to fraud and SOC systems

This prevents escalation across accounts and converts each replay attempt into high-fidelity intelligence for containment and investigation.

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