Break the Scam Spell^™

AI Agents that Prevent and Resolve Scams and Human-Centric Fraud.

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The new frontline of fraud and financial crime is human deception, powered by AI.

APP Fraud

AI Deepfakes & Impersonations

AI-generated voices, videos or profiles to deceive victims for financial gain.

Investment & Romance Scams

Phishing & Vishing

Deceptive emails, texts, or calls to steal sensitive information like passwords or banking details

Phishing & Account
Compromise

Investment &
Crypto Scams

False promises for high returns on fake investments, leading victims to significant financial losses

First Party
Fraud

Elder Fraud &
Abuse

Exploiting seniors through deceit, coercion, or manipulation, often targeting savings or personal assets.

Mule Activity

Romance
Scams

Fake online relationships to gain trust before financially exploiting victims, often through a “pig butchering” method.

Money
Laundering

Merchandise
Scams

Selling non-existent, counterfeit, or misrepresented products online, leaving victims with nothing or worthless goods.

APP Fraud

Investment & Romance Scams

Phishing & Account
Compromise

First Party
Fraud

Mule Activity

Money
Laundering

The World’s First AI Agents for Human-Centric Fraud Resolution

Charm’s AI Agents are experts in fraud prevention and human behavior, deliver real-time insights, guidance, and intervention across your teams, customers, and members.

The World’s First AI Agents for Human-Centric Fraud Resolution

Charm’s AI Agents are experts in fraud prevention and human behavior, deliver real-time insights, guidance, and intervention across your teams, customers, and members.

AI Copilots for Your Team

AI Copilots that support fraud, financial crime, and frontline staff. They work alongside your teams to analyze alerts, provide real-time insights and guidance, and drive effective and efficient intervention and resolution.

AI Agents for Your Customers

AI Agents that engage directly with customers and members at critical moments. They work autonomously with your existing detection tools to analyze alerts and intervene in real time to stop scams and human-centric fraud.

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Use cases

Preventing authorized push payments (APP) fraud and social engineering scams in banks and payment providers

Challenge

Scammers exploit human vulnerabilities through impersonation, phishing, and GenAI to manipulate customers into willingly transferring funds. These scams result in significant financial losses and erode trust in the financial institution.

Charm’s Approach:

Discover
‍Analyze customer risk patterns and scam vulnerabilities using psychological insights, data analysis, and AI tools, delivering tailored mitigation strategies to the organization.

Protect
Provide customers and frontline employees with personalized security insights, real-time recommendations, and verification tools to empower them and reduce risks.

Disrupt
Intervene during high-risk transactions with intelligent tools that break the manipulation and protect customers.

Impact
Strengthens trust, reduces scam-related losses and operational costs, and reinforces the bank’s reputation as a secure financial partner.

Safeguarding peer-to-peer transactions and online marketplaces

Challenge

Fraudsters exploit marketplaces by creating fake buyer or seller profiles, tricking users into sending payments or goods without reciprocation. These scams erode trust and damage platform credibility.

Charm’s Approach:

Discover
Analyze user behavior and transactional data to identify fraud risks and scam tactics targeting the platform.

Protect
Provide users with personalized insights and tools to verify recipients, ensuring safer transactions.

Disrupt
Introduce real-time fraud intervention tools to detect and stop scams during high-risk transactions.

Impact
Enhances platform safety, reduces fraudulent activity, and strengthens user confidence in the marketplace.

Protecting gift cards and prepaid products

Challenge

Gift card scams manipulate customers into purchasing and sharing card details under false pretenses, such as fake emergencies or prizes. These scams create financial losses and damage retailers’ reputations.

Charm’s Approach:

Discover
Identify high-risk purchase behaviors and common scam patterns targeting gift cards, building a proactive mitigation strategy for the retailer.

Protect
Equip customers and frontline employees with proactive alerts and real-time personalized scam awareness at both online and in-store points of sale.

Disrupt
‍Deploy intelligent intervention tools to flag suspicious gift card transactions and prevent losses.

Impact
‍Minimizes fraud losses, enhances customer trust, and reinforces the retailer’s reputation for security and care.

What experts are saying...

“Scams have rapidly become one of the most pressing challenges for banks, fintechs, and payment providers to overcome. With their customers falling prey to fraudsters employing increasingly sophisticated tactics, the industry urgently requires smarter, more adaptive solutions. At this critical time, Charm is crucial in providing AI-driven capabilities that help financial institutions and payment providers stay ahead of such threats and better protect their customers.”

Rupert Keeley

Former CEO of PayPal Europe, and Visa Group President

“Fraud prevention has come a long way, but the rise of generative AI has fundamentally reshaped the threat landscape - giving fraudsters a strategic edge over financial institutions and their customers. Charm is uniquely positioned to turn the tide, using AI-driven solutions to help financial institutions protect their customers from scams and social engineering.”

Tomer Barel

President of Melio and Former Senior Executive at Meta and PayPal

“There is a meaningful realization that scams are different - not an identity verification issue, nor can they be stopped with traditional transaction-level fraud prevention tools. They are far more sophisticated, exploiting human vulnerabilities through deception and manipulation. Financial institutions need to rethink their approach and move to proactive scam prevention like Charm which helps institutions understand scam tactics, detect psychological risk signals, and intervene before the damage is done.”

Vicky Bindra

Former Executive at FIS, Citi, Visa, and Mastercard

“As a former financial crime regulator, I’ve witnessed firsthand how regulatory landscapes across key markets - including the US, UK, Europe, Singapore, and Australia - are shifting to hold financial institutions more accountable for protecting their customers. These institutions are facing mounting pressure to safeguard customers from scams, making proactive solutions like Charm not just timely, but essential.”

Shlomit Wagman

Chief Compliance Officer at Rapyd and former Financial Crime Regulator

“AI-driven scams and social engineering fraud that preys on human vulnerabilities have escalated into a trillion-dollar problem, demanding a fundamental shift in fraud prevention. Charm Security’s approach empowers organizations to protect their customers and navigate evolving regulatory expectations. With the founders’ deep cybersecurity expertise and credentials in the fintech and AI domains, Charm is well-positioned to make a meaningful impact in fraud prevention.”

Rakefet Russak Aminoach

Managing Partner at Team8 and former CEO of Bank Leumi

True Scam Tales

General Questions

What is Charm Security?

Charm is an AI-powered Scam & Fraud Defense platform that protects organizations and their customers from scams, social engineering, and other human-centric fraud. Charm’s specialized AI Agents combine behavioral psychology and fraud expertise with real-time contextual intelligence to prevent scams, enable effective intervention and resolution, reduce losses and operational costs, and enhance trust while safeguarding organizational reputation.

How does Charm differ from traditional fraud detection tools?

Unlike traditional systems focused on passive detection, Charm provides proactive intervention and resolution with AI Agents.

What industries can benefit from Charm?

Charm Security is designed for any organization that interacts directly with customers and needs to protect them from deception and manipulation. Key industries include:

Financial Institutions: Protecting customers from scams like APP fraud and social engineering.
Credit Card Issuers and Payment Processors: Empowering cardholders to detect fraudulent transactions and avoid manipulation.
Digital Platforms and Marketplaces: Ensuring trust and safety in peer-to-peer transactions and online commerce.
Retailers: Securing gift card and prepaid product transactions against fraud.
Telecommunications Companies: Addressing scams delivered via SMS phishing, robocalls, and vishing.
Healthcare and Insurance Providers: Protecting patients and policyholders from scams involving fake claims and fraudulent offers.
Utilities and Energy Companies: Preventing impersonation scams targeting customers with fake overdue payment demands.

Charm’s flexible platform can be tailored to meet the unique challenges of these and other industries, making it an essential tool for organizations committed to customer protection.

Product & Features

What are Charm’s key features?

Charm’s platform empowers organizations and their customers with tools to:

Discover scams, social engineering exploit techniques, and the Human Vulnerabilities and Exposures (HVEs) behind them – delivering customer risk profiles, evaluating employee readiness, and providing actionable insights and mitigation strategies tailored to the organization.
Protect organizations from scams and social engineering by equipping customers and employees with personalized AI-driven insights, awareness programs, and proactive prevention tools to reduce human vulnerabilities.
Disrupt scams at critical moments with real-time AI interventions and recipient intelligence, protecting customers across digital, voice, and in-person channels before financial harm occurs.

How does Charm protect customers during transactions?

Charm protects customers by providing:

Real-Time Alerts: AI-powered insights to identify high-risk transactions and warn customers before they fall victim to scams.
Verification Tools: Intelligent prompts that help customers validate recipients and transactions for added trust.
Intervention Strategies: Context-aware, real-time tools that disrupt scams during high-risk moments, breaking the “scam spell” and guiding customers toward safer decisions.

By combining these tools with psychological insights, Charm ensures customers are empowered and protected throughout the transaction process.

How does Charm support frontline employees in preventing scams?

Charm equips frontline employees with real-time tools, insights, and training to detect and disrupt scams during customer interactions. By empowering frontline teams, Charm strengthens the human layer of defense against social engineering and fraud.

Does Charm offer solutions for post-transaction mitigation and recovery?

Yes. Charm is in the process of developing and deploying smart AI-based reporting tools to help organizations and customers address suspicious transactions effectively. These tools aim to streamline scam reporting, support investigations, and enhance collaboration between organizations and affected customers.

If this is relevant to your organization, we encourage you to reach out and join our beta group to gain early access and provide valuable feedback.

Integration & Scalability

How does Charm integrate with existing systems?

Our platform is designed to be low-to-no integration, minimizing implementation complexity while delivering robust protection and immediate value.

Charm ensures seamless integration into your current infrastructure, such as banking apps, retail systems, or marketplaces.

Is Charm customizable to specific organizational needs?

Yes, Charm tailors its solutions to align with your organization’s unique requirements and customer base, providing flexible tools and strategies.

How scalable is Charm’s platform?

Charm’s solutions are designed to scale with your organization, supporting everything from small teams to enterprise-level operations.

Customer Impact

How does Charm improve customer experience and trust?

By preventing scams, educating customers, and providing real-time protection, Charm not only enhances trust but also improves the overall customer experience. With proactive tools and personalized insights, customers feel safer and more empowered, leading to increased loyalty and satisfaction.

This strengthened relationship drives greater engagement and retention, positioning your organization as a leader in customer security while contributing to top-line revenue growth through improved customer lifetime value.

What is the ROI of implementing Charm?

Charm reduces fraud losses, operational costs, and reputational risks while improving customer satisfaction, loyalty, and overall trust in your organization. Additionally, Charm supports compliance with industry regulations, ensuring your organization stays ahead of evolving requirements.

Break the Scam Spell^™