Over the last 3 years, loyalty programs have become an attractive target of digital fraudsters. In fact, it was reported that 48 percent of businesses were hit by account takeovers (ATO), which cost companies more than $2.3 billion worldwide. Delta, Air Miles, Marriott, and PC Optimum loyalty programs were all hit by fraud with thieves reportedly hacking into accounts, stealing points, and going on shopping sprees. As fraudsters become more sophisticated in their techniques....