• Overview
    • Scam Map
    • Kill Chain
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Technique

Account Takeover

Also known as: ATO, ATO Fraud, Account Hijacking, Credential Stuffing Attack, Account Compromise

EXPLOITATION

Gaining unauthorized access to victim's online accounts using stolen credentials.

Common attack flows

How it fits in a scam

This technique shows up duringEXPLOITATION

Before

  • Credential TheftCOMPROMISE
  • SIM SwapCOMPROMISE
  • Data Breach HarvestingTARGETING
  • Remote Access ToolPERSISTENCE
  • +8 more

After

  • Payment Method InjectionPERSISTENCE
  • MFA Device RegistrationPERSISTENCE
  • Email Forwarding PersistencePERSISTENCE
  • Account Recovery BackdoorPERSISTENCE
  • +1 more

Defense

How to defend against this

How to spot it

  • Unexpected password change or recovery email notifications
  • Login alerts from unfamiliar devices or locations
  • Unauthorized transactions or account changes
  • Unprompted MFA/2FA requests you didn't initiate
  • New email forwarding rules you didn't create
  • Missing expected notifications (attacker deleting alerts)
  • Unable to log in with known-good password
  • Unfamiliar linked devices or sessions in account settings

Tools you can use

  • Password ManagerCost low · Effect high
  • Use Authenticator AppsCost low · Effect high
  • Hardware Security KeysCost medium · Effect high
  • Breach Monitoring ServiceCost low · Effect medium
  • Email AliasesCost medium · Effect medium

Seen in the wild

Where we’ve seen it

Commonly targets

  • Influencer
  • Gamer

Further reading

  • FBI IC3

    FBI PSA on ATO via financial institution impersonation

  • Malwarebytes

    Holiday ATO surge warning with attack methods

  • NY Consumer Protection

    State consumer protection guidance on ATO

  • FTC

    Identity theft resources

Related techniques

Same stage

  • Authorized Push Payment Fraud
  • Synthetic Identity Creation
  • Doxing
  • Swatting
  • Identity Theft
  • +6 more

Similar defense

  • SIM Swap
  • Data Breach Harvesting
  • Man In The Middle
  • Sextortion
  • Credential Theft
  • +7 more