Charm Security provides an AI-powered customer security platform designed to defend financial institutions and their customers against social engineering, scams, and human-centric fraud. The platform utilizes a proprietary Human Vulnerabilities, Exposures, and Exploits (HVE) model that combines behavioral science with real-time AI analysis to identify when a user is being psychologically manipulated. Unlike traditional security tools that focus on technical system breaches or identity verification, the technology intervenes at the human layer during high-risk transactions to disrupt fraudulent attempts before funds are transferred. The solution suite includes a prevention agent for autonomous customer intervention, a copilot for fraud analysts to streamline investigations, and a customer-facing interface for guided incident reporting. By addressing the psychological tactics used in authorized push payment (APP) and AI-driven scams, the platform reduces fraud losses and assists organizations in meeting evolving regulatory requirements.