AML & transaction monitoring
Surface the laundering patterns hiding inside ordinary account activity, scored against each account’s own behavioral baseline rather than a generic threshold.
Payments · AML · Cards · Mobile money · Remittances
Banking fraud and AML detection
Score payments, card activity, wallets and remittances against 14 explainable typologies, in real time before the money moves and in batch across your history. Entity resolution exposes the mule rings behind individually clean accounts.
Capabilities
What the workspace covers
Card fraud defense
Catch stolen-card validation and coordinated attacks in the tight windows where they operate.
Mobile money & remittances
Built for mobile-first markets: detect account takeovers before wallets are drained and see across the corridor, not just the transaction.
Typology coverage
14 typologies, each with a public reference page
Every typology is parameterized and explainable. Open any of them for red flags, the data signals evaluated and the recommended response.
AML & transaction monitoring
- StructuringBreaking cash deposits or transfers into amounts below the reporting threshold so that no single transaction triggers a mandatory report.
- Mule ringsNetworks of accounts, recruited or controlled by one organizer, that receive criminal proceeds and pass them on to break the audit trail.
- Velocity spikesA sudden rise in the number or value of transactions on an account, well above its own history, often the first sign of takeover or mule use.
- Dormant-account reactivationA long-inactive account suddenly moves funds, often after a contact-detail change, pointing to takeover, insider abuse or mule recruitment.
- Round-trippingMoving funds out through intermediaries and back to the originator so they return looking like investment, loans or trade income.
- Synthetic identitiesIdentities assembled from a mix of real and invented details, used to open accounts, build credit, then borrow out or move illicit funds.
Card fraud
- Card testingRunning many small or zero-value authorizations against stolen card details to find which cards are live before using them for larger fraud.
- Stolen-card burstsRapid spending on a compromised card in the short window between theft and blocking, often across many merchants and channels.
- BIN attacksGenerating card numbers from a known issuer prefix (BIN) and guessing expiry dates and security codes until authorizations succeed.
Mobile money & remittances
- SIM-swap takeoverMoving a victim's phone number onto a SIM the fraudster controls, then using intercepted one-time passwords to take over bank and wallet accounts.
- Agent cash-out launderingUsing mobile-money agents, sometimes complicit ones, to turn fraud or crime proceeds held in wallets into cash that can no longer be traced.
- Mobile-money Ponzi schemesInvestment or savings schemes run over mobile money that pay early members from later members' deposits until inflows slow and the scheme collapses.
- Corridor structuringSplitting a large cross-border transfer into many small remittances, across senders and providers, to stay under limits and reporting thresholds.
- Funnel accountsAccounts that take cash deposits from many people in different places and are drained quickly elsewhere, moving funds between regions.
Investigation & governance
From alert to filing, in one workbench
Sanctions & watchlist screening
Parties, providers and counterparties screened at ingest, on demand and inline at interdiction decision time, every hit raised as a reviewable alert.
Entity resolution & ring analysis
Continuous identity resolution collapses "distinct" customers into a governed party master, exposing fraud rings on an interactive network graph.
Alert queues & case management
SLA-driven queues route work by severity into an investigator workbench with the full evidence trail. One click escalates alerts into audited cases.
AI copilot & assessments
Fraud score, risk level, ranked risk factors, anomalies and recommended actions, with explanations a reviewer or regulator can read.
SAR & regulatory filings
Generate SAR-style filings directly from case evidence, plus branded DOCX and PDF investigation reports, ready for the regulator.
Automation playbooks
Auto-escalate, assign and dispatch interdiction recommendations over HMAC-signed webhooks, with a per-workspace kill switch. Automation never moves money.
Hard-walled by designThe banking workspace is licensed independently of insurance. Data, models and API keys never cross the wall.
In the field
Scenarios this workspace is built for
BankingMule network cashing outStolen funds hop through dozens of freshly opened accounts and exit through ATMs and remittance corridors before the bank's overnight batch review even runs.Ring frozen before the cash-outBankingSIM-swap account takeoverFraudsters hijack a customer's phone number, intercept one-time passcodes and drain accounts in minutes, long before the victim's first call to the contact center.Takeover stopped mid-sessionEnterpriseRansomware readiness for a regional bankA mid-size bank knows it is a ransomware target but runs no overnight security coverage and has never tested how far an attacker could actually get.Around-the-clock watch, kill chain rehearsed
Get started
Take the next step
See the workspace scoring your own historical data in a backtest before anything goes live.