Account Takeover: Where Exposure Hides
See where your exposure hides: Get the brief
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ATO losses are outpacing new account fraud 2.5 to 1 — and the exposure isn't just at login.
In 2025, account takeover rose to 3.14% of all digital fraud reported to TransUnion, a 37% jump over the prior year. The FBI logged more than 5,100 ATO complaints in just the first ten months of 2025, with losses topping $262 million. ATO is no longer a login problem — it's a lifecycle problem that follows the customer across every channel, and most institutions are only defending one or two of the three highest-risk points.
The three highest-risk control points for account takeover
Why knowledge-based authentication no longer holds up
What NIST 800-63B requires for account recovery — and who's not meeting it
A channel-by-channel view of where controls fail
A practical framework for what to prioritize first
Attackers don't need to beat your strongest control — they just need to find your weakest one. See where it most often hides.