Account takeover fraud and new account fraud generate bogus credit card accounts that fuel the growing problems of payment card chargebacks, fraud losses at merchants and issuers, and consumer dissatisfaction with efforts to secure online and mobile payments. Feeding account takeover and new account fraud is the huge amount of stolen personal information available for sale on the dark web. Legacy fraud detection systems have value in fighting account takeover, new account, and digital transaction fraud, but not without unwanted side effects. To fight the 2% to 3% of transactions that are actua...