Guardian Analytics Inc. announced a new online fraud detection system meant to combat the techniques used against businesses.

The Los Altos, Calif., vendor's FraudMAP for Business Banking system is designed to detect the methods being used to quickly drain large amounts from business banking clients. These techniques, it says, can be different from those used to victimize consumers.

In many cases, fraudsters employ networks of "money mules" who make several large withdrawals into their own accounts before wiring the money away to their bosses. Fraudsters also use "man-in-the-browser" attacks that let thieves send online banking commands from the victim's own computer.

"Unless financial institutions take a new approach to detecting and preventing fraud, we anticipate 2010 will yield losses of even greater magnitude" than the six-figure thefts reported last year, Terry Austin, Guardian's chief executive, said in a press release.

FraudMAP evaluates risk for individual online actions and also compares overall session activity to what it has observed as typical online behavior for each user.