ING’s fraud measures

This unified approach ensures that Wholesale Banking clients benefit from consistent protection through: 

• A single risk engine 

• Advanced case management 

• Endpoint protection 

• Shared intelligence via a secure data lake 

In today’s digital and global environment, fraudsters are evolving rapidly and are leveraging generative AI, fraud-as-a-service platforms, and other scalable tools to launch low-cost, highly personalised attacks. 

To counter these threats, ING continuously invests in targeted fraud solutions that enhance our ability to monitor, detect, and respond to emerging risks. Our goal: to keep your transactions secure and your operations resilient. 

As regulatory scrutiny intensifies, banks are increasingly held accountable for protecting customers from fraud-related losses. ING closely monitors developments such as: 

• PSD3 

• FPAD (Framework for Payment Account Data) 

• Verification of Payee (VoP) 

• UK’s Failure to Prevent Fraud Act (F2PF) 

These initiatives shape our strategy and reflect our commitment to customer protection, regulatory compliance, and operational resilience. 

Our fraud prevention capabilities combine cutting-edge technology with expert teams across global and local levels: 

• Global & local fraud departments 
  Working together to protect customers, ING, and society from fraud, with a centralised strategy deployed across all markets. 

• Real-time session & transaction monitoring 
  We analyse live web sessions to detect suspicious behaviour and malware. Transactions are scanned using behavioural analytics and machine learning to instantly flag anomalies. 

• Dedicated fraud response team 
  Alerts triggered by monitoring are reviewed by our fraud specialists. If suspicion remains, we proactively contact affected clients — always starting with known and trusted contacts. 

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