Class action claim fraud is more sophisticated than ever. It’s fast, tech-driven, and increasingly automated. Tackling it effectively takes more than just one solution or one team—it takes collaboration.
That’s the idea behind what many in the space are now calling the Anti-Fraud Triangle.
Formed through close coordination between class administrators, digital payment providers, and advanced fraud technology companies, this three-part model addresses fraud from multiple angles. Each partner brings something essential to the table, and when those pieces work together, fraudulent claims don’t stand a chance.
It starts at the point of intake. Administrators can deploy a range of tools—things like Cloudflare protections, reCAPTCHA, or proprietary traffic filters—to help stop unsophisticated bots and flag submissions that raise early red flags. These guardrails do more than just block noise; they allow administrators to proactively shape the flow of valid claims.
Then comes payment validation. By working with payment providers who screen payment information on the front end, fake or spoofed payout methods are filtered out before any money moves. This added layer plays a critical role in keeping fraudsters from cashing in—even if their initial claim slips through.
Finally, purpose-built AI platforms like ClaimScore analyze each class action claim using a 65+ point expert system, backed by a neural-network weighted scoring model and enriched through extensive data validation. Unlike traditional one-off filters, ClaimScore evaluates the totality of a claim across more than 35 quintillion possible scoring combinations—making sense of complex data relationships that static rules often miss. Its analysis is grounded in real-world behavior and historical patterns, not guesswork, delivering consistent, transparent, and legally defensible fraud detection at scale.
The power of the Anti-Fraud Triangle lies in how these three layers reinforce one another. It’s not about any one group carrying the full burden—it’s about alignment. When administrators, payment providers, and fraud technology platforms operate in sync, the result is a dramatically stronger fraud defense posture.
This model has already proven its value in the field. In multiple large-scale settlements, the Anti-Fraud Triangle has eliminated more than 99.9% of fraudulent claims—stopping fraudsters from siphoning millions of dollars away from the class. Every fake claim that gets paid dilutes the recovery of real claimants. By cutting off those fraudulent payouts before they happen, this collaborative framework helps ensure that more of the fund goes where it belongs: to legitimate class members.
As fraud tactics continue to evolve, so must the industry’s response. The Anti-Fraud Triangle is proving that a well-coordinated, multi-layered approach isn’t just effective—it’s essential.
If you’re preparing for an upcoming settlement and want to explore how this model can help, we’d love to talk.
