The National Confederation of Financial Institutions (Fin) has awarded the 2025 Fraud Prevention Seal to 22 organizations across Brazil’s financial system. The new cohort includes large incumbent banks, digital banks, fintechs, cooperatives and payment institutions, reflecting a broader push to raise the bar on compliance and security. Launched in 2024, the initiative is designed to certify institutions that demonstrate robust practices to prevent, detect and respond to financial fraud and scams.
Expansion of the Fraud Prevention Seal
In its first cycle, the seal focused mainly on traditional banking institutions under the coordination of the Brazilian Federation of Banks (Febraban). Governance has now shifted to Fin, a move intended to expand the program’s reach to fintechs and payment institutions that play an increasingly central role in the financial ecosystem. By widening participation, the seal aims to create a shared standard of integrity that cuts across different business models and technological profiles.
Certified Institutions in the 2025 Cycle
The inaugural round in 2024 certified 17 institutions, and 13 of them have retained their status in the 2025 edition after a fresh review. Among these are major banks such as Banco do Brasil, Bradesco, Caixa Econômica Federal, Itaú Unibanco and Santander, as well as digital players including Inter, C6 Bank and BS2. Nine organizations join as first-time recipients, with names like CloudWalk, Efi Bank, Nubank and PicPay appearing alongside regional and cooperative institutions such as Sicoob, Sicredi, Unicred, Banco BV, Banco Pan, Banco XP, Banestes, BRB, Paraná Banco and Porto Bank.
Rigorous Evaluation and Governance
According to Fin, the latest certification round involved nearly 7,000 hours of analysis and around 60 meetings, guided by a methodology structured around eight core pillars. Institutions must prove the effectiveness of controls in account opening, transactional risk management, internal governance, customer education and cooperation with authorities, while also aligning with legal and self-regulatory requirements. The seal is valid for 12 months, may be renewed after a new assessment, and from early 2026 will be supported by a technical committee with participation from Febraban, Zetta, Acrefi and ABBC.
Sectorwide Collaboration Against Fraud
Fin’s managing director, Cássia Botelho, highlighted that the process has mobilized the sector around a collective response to fraud and scams. She stressed that the seal helps the industry anticipate emerging threats, rather than reacting in a fragmented way. For Botelho, the shared framework encourages institutions that are often competitors in the market to move in step when it comes to security and consumer protection.
Rising Threats in a Digital Financial Environment
Febraban executive director Ivo Mósca reinforced that Brazilian banks see the fight against fraud as a permanent and strategic priority. He pointed out that the integrity of client data and operations is central to banking activity and that institutions are prepared to invest heavily, innovate and coordinate actions to curb illicit activity. Felipe Natale, legal and legislative superintendent at ABBC, noted that 2025 has brought a marked escalation in the sophistication, organization and persistence of criminal schemes targeting financial services.
Balancing Innovation and Security for Consumers
For Eduardo Lopes, president of Zetta, Brazil’s rapid digitalization and the global relevance of its financial innovation have come with the cost of greater exposure to online threats. He argued that criminals have been quick to exploit the longer time people now spend connected, using social engineering and other techniques to deceive users and access funds. The Fraud Prevention Seal seeks to counter this dynamic by encouraging institutions to continuously improve their structures and processes, reduce vulnerabilities, intensify cooperation and deliver a more secure experience to consumers without rolling back digital progress.
With the 2025 edition, Fin’s Fraud Prevention Seal is consolidating itself as a key reference point for fraud prevention and compliance in Brazil’s financial sector. The recognition sends a signal to the market that certified institutions are investing in governance, controls and collaborative initiatives that go beyond minimum regulatory requirements. As more banks, fintechs and cooperatives seek certification in the coming years, the seal is likely to influence industry standards and strengthen confidence in the country’s increasingly digital financial system.