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ANZ Falcon®
ANZ Falcon® is our trusted fraud detection and prevention technology.
By analysing thousands of data points, ANZ Falcon® builds a unique picture of each and every ANZ customer, learning from each of your transactions to offer fraud protection that’s personal to you.
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Our anti-fraud technology, ANZ Falcon®, prevented $112M from going to cybercriminals in 2023.
The technology works around the clock to recognise, flag and identify suspicious transactions.
Rest assured this is no cookie cutter approach to fraud prevention. ANZ Falcon® technology is personal to each and every one of our customers.
By analysing thousands of data points from your online banking behaviour and millions of transactions in real time, ANZ Falcon® can identify patterns that indicate suspicious activity.
And if you’re travelling overseas, let us know. ANZ Falcon® continues monitoring your transactions 24/7, leaving you free as a bird to enjoy your holiday.
Real-time monitoring
Operating 24/7 in real time, ANZ Falcon® immediately detects and responds to potentially suspicious activity across ANZ cards, our banking apps and Internet Banking.
Behavioural analysis
ANZ Falcon® analyses vast amounts of individual customer behaviour and transactional data - including changes of address, unusual transactions and log in locations.
Multi-layered fraud prevention
With transaction monitoring, rules-based filters, pattern recognition and anomaly detection, ANZ Falcon® uses a multi-layered approach to flag potentially suspicious activity on your account.
Continuously evolving detection
Using machine learning and adaptive analytics, ANZ Falcon® continually evolves to understand new fraud patterns and improve the accuracy of identifying suspicious activity.
ANZ debit or credit cards
01. ANZ Falcon® identifies an unusual transaction on your debit or credit card.
02. We may decide to decline this transaction and/or block your card.
03. We'll usually send you a two-way SMS in real time to verify whether the transaction’s genuine. Please reply to this SMS (we won't ask you for personal information or to click on any links).*
04. If you genuinely made the transaction, your card will be unblocked within 15 minutes. If you didn't authorise the transaction, our Customer Protection Team will call you to discuss next steps.
*If you have an ANZ Plus account, we'll either call or send you an SMS to contact us, so you can verify whether the transaction's genuine.
ANZ apps or online banking
01. ANZ Falcon® spots unusual banking activity in the ANZ App, ANZ Plus app or Internet Banking.
02. We may delay suspicious payments and remove log in access to the digital channel it was flagged in.
03. Our Customer Protection Team may contact you to verify your banking activity (if you need access to your app or online banking account urgently, you can also contact us).
04. If the activity's genuine, we'll reinstate your log in access immediately and release authorised payments. If it's unauthorised activity, our Customer Protection Team will talk you through next steps.
ANZ Plus security
Join ANZ Plus, our latest digital way to bank, and get extra layers of security like Selfie ID and a dynamic CVV, to help protect you from fraud. Learn more
Bank account security
Log in to the ANZ App safely using biometric security or your PIN. You can also verify banking activity via SMS one-time passcodes or emails. Learn more
Credit card security
You’re protected anywhere, anytime with ANZ Falcon® fraud protection technology. You can also cancel, replace or temporarily block your card if you need. Learn more
Falcon® is a registered trademark of Fair Isaac Corporation.