Acoru's Scam Prediction & Mule Classification Solution is a fraud prevention platform designed to detect authorized push payment (APP) fraud and scam attempts before transactions are initiated. The solution focuses on identifying money mule accounts across their lifecycle, including complicit mules that bypass onboarding processes and regular customers transitioning into witting or unwitting mules. The platform operates through continuous account-based risk assessment, assigning dynamic risk scores across every account and its relationships including merchants, third-party accounts, and cards. It provides cross-channel visibility and correlation to detect pre-fraud signals that traditional real-time fraud detection systems miss. The solution integrates with existing fraud technology stacks to enhance capabilities in New Account Fraud, Online Fraud Detection, Transaction Monitoring, and Strong Customer Authentication. It addresses regulatory compliance requirements including PS23/4 and PSD3, which mandate scams reimbursement and money mule monitoring. The Acoru Account Monitoring Platform ingests data from multiple channels and transforms it into actionable insights. It uses agentic GenAI for analysis and maintains accounts as the central anchor for all alerts regardless of originating channel. The platform aims to prevent users from becoming victims or money mules while blocking operations from criminal accounts and keeping legitimate users off third-party money mule blacklists.