ThreatMark Joins EBA CLEARING’s FPAD Solution Provider Programme

Partnership enables financial institutions to combine ThreatMark’s platform with pan-European network-level fraud intelligence from RT1 and STEP2

BRNO, Czech Republic – March 31, 2026 – ThreatMark, a leader in behavioural intelligence for fraud prevention, today announced it has joined the Fraud Pattern and Anomaly Detection (FPAD) Solution Provider Programme operated by EBA Clearing. As an official FPAD Solution Provider, ThreatMark will support banks and payment service providers (PSPs) across EU member states in integrating FPAD—the fraud-fighting functionality embedded in EBA Clearing’s pan-European SEPA payment infrastructures, RT1 and STEP2—with ThreatMark’s behavioral intelligence solution.

European financial institutions face increasing regulatory pressure to adopt more proactive and collaborative fraud prevention approaches. The EU Payment Services Directive 3 (PSD3) will mandate greater fraud prevention obligations and intelligence sharing between PSPs—requirements that FPAD is specifically designed to support.

The partnership creates a fusion of two complementary intelligence layers. FPAD provides PSPs with real-time tools to detect fraud patterns and anomalies in SEPA credit transfers, as well as Verification of Payee (VOP) capabilities. ThreatMark’s platform adds behavioral biometrics and AI decision-making drawn from monitoring how individual users interact across the entire digital banking journey. Together, the two data streams give financial institutions a more complete picture of both the transaction and the behavior behind it.

“Fraud has industrialized. Criminal networks leverage enterprise infrastructure and AI-enhanced tools to move money across borders and institutions almost instantaneously,” said Michal Tresner, CEO of ThreatMark. “Through network-level intelligence like FPAD combined with behavioral intelligence that detects manipulation in real time, it becomes possible to stop fraud before the money moves, not just explain it afterwards.”

ThreatMark works with leading European and U.S. banks and credit unions to combat scams and processes over 2 billion logins and 500 million transactions annually. ThreatMark’s solutions are built on privacy-by-design principles, making integration into FPAD-enabled environments well-suited to institutions managing complex data compliance requirements across multiple European jurisdictions.

ThreatMark’s platform is built on behavioral intelligence—monitoring how users interact with digital banking sessions in real time to detect signs of coaching, manipulation, and social engineering, even when a transaction appears legitimate from the outside. The platform goes beyond detecting individual anomalies to identify the patterns of behaviour that indicate a customer is being actively manipulated: hesitation, erratic navigation, copy-pasted payment details, and signals consistent with phone-based coaching. This behavioral layer is particularly suited to Authorised Push Payment (APP) fraud, where traditional transaction monitoring typically fails because the victim is completing the transaction themselves.