Charm Security

Fraud Solution Profile

Charm Security: The Agentic Workforce for Fraud and Cybercrime

Charm Security is the agentic workforce for fraud and cybercrime. Where existing tools detect transactions, Charm reads the person, investigating the manipulation, intent, and emotional state behind every fraud signal, and intervening with the customer in real time before the loss completes.

At the heart of Charm is HVE™ (Human Vulnerabilities and Exploits), the proprietary methodology that combines fraud expertise with behavioral science to read human risk in the moment. By addressing the human side of fraud, where scams manipulate trust and behavior, Charm closes the gap beyond detection toward resolution that traditional tools can’t reach.

How Charm Works

Charm deploys an agentic workforce across the back office, the frontline, and directly with the end customer, wherever you need fraud reasoning. The workforce performs four capabilities as a coherent system:

Investigation. Charm agents ingest signals across fraud systems, case management, and communication channels to triage and analyze cases. They prioritize based on behavioral context, risk level, and likelihood of fraud, and generate insights about manipulation, intent, coercion, and customer vulnerability.

Intervention. Charm agents bring fraud reasoning into live customer interactions, inbound, outbound, and branch-based. They analyze conversation content, emotional signals, hesitation, and behavioral cues, then guide frontline employees on what to ask and how to respond. 

Execution. Charm agents close cases by automating case summaries, SAR-ready narratives, operational reporting, and documentation, integrating with existing fraud and case management systems to reduce manual workload and deliver consistent outcomes.

Intelligence. Charm agents generate cross-case insights to identify recurring patterns, operational blind spots, and vulnerabilities, and engage attacker infrastructure (HoneyBot-style) to disrupt fraud networks before they reach customers.

Why Charm Is Different

Unlike traditional fraud tools that focus on transaction data, Charm addresses the human side of fraud, where scams manipulate trust and behavior. The differentiators:

• HVE™ Methodology. Charm’s proprietary Human Vulnerabilities and Exploits methodology combines fraud expertise with behavioral science to read intent, manipulation, and emotional state in real time.
• The Data Layer. Charm joins existing fraud sources with contextual signals coming from the customer in real time, connecting dots that single-source tools can’t.
• An Agentic Workforce, Not a Tool. Charm operates as a system of AI agents that reason like fraud experts and behavioral scientists at the same time. Not another platform to bolt onto your stack. A workforce that does the work.

The Value Charm Delivers

By investigating with human reasoning, intervening with customers in real time, and resolving cases efficiently, Charm enables organizations to:

• Reduce Fraud Losses: Stop fraud in the moment and recover faster.
• Reduce Operational Burden: Cut alert queues, free analyst time, and deliver consistent outcomes across cases.
• Strengthen Customer Trust: Show customers they’re protected and valued.
• Improve Customer Experience: Minimize unnecessary friction and resolve high-risk interactions in the moment.
• Support Compliance and Oversight: Deliver consistent, documented outcomes that stand up to audit and evolving requirements.
• Lead in Customer Protection: Position your organization as a proactive leader in defending against human-centric fraud.

Charm Security combines fraud expertise, behavioral science, and an agentic AI workforce to deliver fraud defense that begins where detection ends.