Account takeover fraud is the fastest-growing financial crime facing credit unions today, and the tactics are evolving fast. Remote access trojans (RATs) have emerged as one of the most dangerous weapons in a fraudster’s arsenal, allowing criminals to silently take control of a member’s device and session in real time. According to BioCatch’s 2025 Digital Banking Fraud Trends in the United States report, use of remote access tools in account takeover fraud has jumped 50%, a threat that barely existed two years ago. And with AI now in the hands of fraudsters, attacks have become even harder to spot, allowing bad actors to tailor and customize their schemes to mimic the very level of service and outreach members have come to expect from their credit union.
Join Access Softek and BioCatch as we break down how these attacks work, why traditional defenses like passwords and one-time passcodes are no match for them, and how behavioral intelligence detects account takeover in real time, before money moves, and without adding additional friction for your genuine members.