Organization Name: Charm Security

NACUSO Membership: Standard

Year Formed: 2025

Description of Your Services: Charm Security is the Agentic Workforce for fraud and cybercrime. Where existing tools detect transactions, Charm reads the person, investigating the manipulation, intent, and emotional state behind every fraud signal, and intervening with the member in real time before the loss completes. At the heart of Charm is HVE™ (Human Vulnerabilities and Exploits), our proprietary methodology that combines fraud expertise with behavioral science to read human risk in the moment. Charm's agents work alongside your fraud, security, and member-facing teams across four capabilities: Investigation, Intervention, Execution, and Intelligence. They triage and analyze cases, guide frontline staff during live member interactions, automate case summaries and SAR-ready narratives, and engage attacker infrastructure to disrupt fraud networks before they reach members. Not another platform to bolt onto your stack. A workforce that does the work, beginning where detection ends.

Why should a credit union use your services?: Fraud is increasingly a human manipulation problem. Credit unions are facing a growing wave of scams, social engineering, coercion, and impersonation, where members willingly move money because they have been deceived. Traditional fraud tools can identify suspicious activity, but they cannot understand context or help staff intervene before a loss occurs. Charm provides an AI workforce dedicated to member protection. Our agents understand human behavior, manipulation tactics, emotional state, and fraud intent across digital, contact center, and branch interactions. They investigate alerts, support frontline employees, and help ensure members receive consistent guidance when it matters most. By combining fraud expertise, behavioral science, and real-time support, Charm helps credit unions strengthen member protection, reduce investigation workload, and scale operations without adding headcount.

Are You a CUSO?: No

Are there investment opportunities for credit unions?: No

Business Model Other: Pricing is based on AI Workforce Capacity, aligning cost with the operational value delivered.

Are you currently seeking additional users/customers?: Yes

Do you offer discounts or other benefits for NACUSO Members?: No

Website Link: https://www.charmsecurity.com/