Fraud doesn’t happen in isolation and neither should the fight against it. That’s why Quavo has announced a new strategic partnership with Equifax, bringing a consortium-based approach to detecting and stopping first-party fraud across the financial services industry. 

This collaboration combines Quavo’s aggregated dispute data with powerful identity insights from Equifax, giving financial institutions the visibility they need to identify repeat offenders who might otherwise slip through the cracks. Even when fraudsters use multiple identities across different banks and credit unions, the partnership enables institutions to connect the dots and uncover systemic abuse. 

Why Consortium-Based Fraud Detection Matters 

Traditionally, financial institutions can only see fraud patterns within their own customer base. That limited view makes it easy for bad actors to exploit the dispute process by hopping from one account or one institution to another. By pooling intelligence across Quavo’s client ecosystem and layering in identity data from Equifax, institutions gain a more comprehensive defense. 

“Fraudsters don’t stop at one account or one bank. They exploit vulnerabilities across FIs, employing many different tactics to take advantage of the dispute process,” explained Craig Agulnek, Quavo’s VP of Product Management. “By combining Quavo’s data with insights from Equifax, we can connect the dots and uncover patterns that would otherwise go unnoticed, empowering financial institutions to take smarter, faster action against fraud.” 

Built Into the QFD Platform 

The integration will be directly embedded into Quavo’s agentic AI dispute platform, QFD. This means investigators will have real-time visibility into a filer’s history the moment a dispute is submitted. Instead of relying on time-consuming manual checks or external processes, institutions can take proactive action immediately. 

Key benefits for Quavo clients include: 

• Reduced dispute volume by flagging and minimizing repeat offenders. 

• Lower fraud losses from both first-party and true fraud. 

• Enhanced efficiency with intelligence embedded directly into existing workflows. 

• Improved customer experience by allowing institutions to focus on legitimate claims. 

A Stronger Network with Every New Member 

“As our network grows, the value multiplies,” said David Chmielewski, Quavo’s Co-Founder and Chief Product Officer. “Every new institution strengthens our shared visibility, creating a powerful defense against repeat offenders. With Equifax as our partner, we’re delivering a scalable, proven solution that gives our clients a real competitive edge.” 

Moving Toward Smarter Fraud Operations 

By working together, Quavo and Equifax are reshaping fraud operations for financial institutions. With shared intelligence, automated detection, and real-time insights, this partnership gives banks and credit unions the tools to quickly spot suspicious activity, stop first-party fraud, and reduce losses, without sacrificing customer experience.