- Four schemes cause most losses: gnoming, chip dumping, bonus abuse, chargebacks.
- KYC stops bad actors at sign-up. Behavioural AI catches them afterwards.
- Linked-account detection is the common thread.
External and internal fraud
Fraud comes from outside, when scammers go after card details and identities, and occasionally from inside, when staff target customers. Most operator losses come from four external schemes.
Gnoming (multi-accounting)
One person or group creates several accounts under different identities, often masking their IP addresses, to claim welcome offers again and again or to gain an edge at a table.
Chip dumping
A player deliberately loses to a second account they control. It can be used to collect bonuses or to move dirty money, which makes it a fraud and an AML problem at once.
Bonus abuse
Fraudsters open multiple accounts with different emails to collect sign-up bonuses, then cash out or even resell the accounts. Each account looks harmless. Together they drain the promotions budget.
Chargeback fraud
A genuine customer plays, loses, then disputes the card payment as unauthorised. The operator loses the stake and pays bank fees on top.
How operators fight back
- Know Your Customer: verify identity and age, track account details, and use two-factor authentication and card checks.
- IP and device tracking, with consent, to spot accounts that share a footprint.
- AI-based fraud detection that sorts accounts into categories such as high risk, unusually high transaction volume and bot sign-ups.
KYC confirms who someone is at the door. Behavioural models catch what they do afterwards, which is where most multi-accounting and bonus abuse shows up.
Risk Intelligence
GAMWIT Risk Intelligence is an AI model that identifies bonus abuse and duplicate or linked accounts at gaming operators by analysing behavioural, transactional and device-level patterns across hundreds of variables.
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