Merchant risk doesn’t stop after onboarding. Yet many companies still rely on point-in-time underwriting - run a few checks, approve the merchant, and move on.

This outdated approach creates long gaps where risk can grow unnoticed. If you're not monitoring merchants continuously, you could be missing early signs of fraud, financial distress, or business changes that increase exposure.

In this post, we’ll cover:

• Why static reviews fall short
• What continuous merchant monitoring looks like
• How Coris automates real-time risk detection
• The impact on RiskOps efficiency and loss prevention
  

The Problem With Point-in-Time Merchant Reviews

Let’s say you underwrite a merchant in January. Everything checks out - strong credit, clean KYB, no red flags.

But by July?

• Their transaction volume has surged
• Chargebacks are rising
• They’ve pivoted to a high-risk product category without notice.
  

Without continuous monitoring, these signals go unnoticed - until there’s already a problem. Point-in-time reviews don’t reflect how businesses evolve.

This gap is exactly what fraudsters - and unstable merchants - count on.

What Is Continuous Merchant Monitoring?

Continuous merchant monitoring means getting real-time updates when a merchant’s risk profile changes. This includes:

• Transaction volume spikes
• Unusual chargeback activity
• Changes to business identity (domain, leadership, etc.)
  
  
• Negative news or credit score drops

Instead of waiting for quarterly or annual reviews, continuous monitoring ensures your risk data stays current - automatically.

How Coris Powers Real-Time Merchant Monitoring

At Coris, we designed continuous monitoring into the core of our platform - from day one.

Our system tracks key risk signals across your merchant portfolio and delivers:

• Real-time alerts on risky behavior
• Automated workflows that escalate issues instantly
• Ongoing updates without manual reviews
• Embedded insights directly in your existing risk operations processes

No extra dashboards. No engineering lift. Just always-fresh risk data - exactly where and when you need it.

Why It Matters for RiskOps Teams

Continuous monitoring changes the game for RiskOps:

• Catch risk early: Take action before issues turn into losses
• Make better decisions: Use current data, not outdated snapshots
• Focus your efforts: Prioritize merchants that actually need review
• Stay compliant: Align with evolving AML, KYB, and fraud controls

Future-Proof Your Risk Strategy

We’re continuously expanding Coris’s monitoring capabilities - adding new data sources, refining thresholds, and shortening the time between signal and action.

With Coris, your risk view evolves as your merchants do.

Ready to see how continuous monitoring works?

👉 Request a demo