Forter Account Protection is an identity-based fraud prevention solution that detects and blocks account takeover attempts and fake account creation. The product operates in real-time at multiple points in the customer journey, including sign-in, account profile modifications, loyalty point withdrawals, and transfers. The solution addresses account takeover attempts by monitoring authentication events and critical account actions before transactions are initiated. It identifies fake and duplicate accounts used for fraud activities such as card testing, fraudulent incentive earning, and referral reward abuse. The product utilizes a global identity graph containing over 1.2 billion online identities to make authentication and authorization decisions. This identity graph enables the system to distinguish between legitimate users and malicious actors attempting to compromise accounts or create fraudulent profiles. Forter Account Protection includes functionality to optimize multi-factor authentication by routing MFA challenges only when necessary to confirm identity. This approach reduces friction for legitimate customers while maintaining security controls against unauthorized access. The solution provides protection for customer accounts, loyalty programs, and stored values while helping organizations maintain marketplace integrity by preventing single identities from creating multiple accounts to exploit signup incentives or conduct fraudulent activities.