Finovifi

Are Your BINs Exposed? How Community Banks & Credit Unions Can See Card Fraud Coming Sooner

Written by Karly Field | Oct 13, 2025 3:44:53 PM

 

Card fraud isn’t slowing down—it’s shifting. Before a fraudulent charge hits your processor, the card data often sits for days or weeks on dark-web markets. That early signal is what Finovifi’s CardGuard Exposure Scan was built to find.

  1. The BIN: your digital fingerprint
    The first 6–8 digits of a card identify your institution. CardGuard scans these BINs against a live database of over 500,000 stolen and exposed cards, revealing exposure specific to your bank or credit union.

  2. Your first exposure report—then daily updates
    After submitting your BIN/IIN, you’ll receive an initial exposure report showing any compromised cards already found in CardGuard. For the next 90 days, your BINs are continuously monitored with daily notifications of new exposures.

  3. FraudXchange: the full picture
    In addition to card data, participants receive a FraudXchange Check Snapshot showing aggregate stolen-check activity linked to their routing number—giving community institutions visibility across both cards and checks.

  4. Built for community banks and credit unions

    • BIN/IIN only—no PANs or cardholder PII

    • No IT work required

    • Daily actionable intelligence for fraud and ops teams

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Ready to see what’s already exposed—and what’s changing daily?
[Start your free 90-day BIN Exposure Scan →START NOW!