Mules move faster than batch review
Stolen funds pass through newly opened accounts and leave through ATMs and remittance corridors before an overnight review runs.
Industries · Banking
Fraud detection and AML software for banks
FinCrimes scores every transaction and party against named fraud and AML typologies, in real time before money moves and in batch across history. Alerts show the records behind them, flow into audited cases and leave as filing-ready reports, while our SOC and testing services protect the bank’s own systems.
The challenge
What banking teams are up against
Alerts that cannot explain themselves
Generic thresholds raise alerts that analysts have to reverse-engineer and examiners question. Each alert needs to show which records, counterparties and amounts triggered it.
One criminal, many customer records
Synthetic identities and mule rings spread across accounts that look unrelated until a shared phone, device or ID number links them.
Card and takeover attacks work in short windows
Card testing, BIN attacks and SIM-swap takeovers play out in minutes, well inside the gap between daily reviews.
Solutions
How Dark Pools helps
Typology-based scoringBanking typologies cover AML, card fraud and mobile money, including structuring, mule rings, velocity spikes, round-tripping, card testing and SIM-swap takeover. The scoring API returns a risk score, matched typologies and an approve, review or block recommendation in milliseconds.Graph analytics and ring detectionEntity resolution collapses shared phones, devices and IDs into a governed party master, and graph analytics trace funds, detect cycles and surface rings on an interactive link chart.AML compliance toolkitTransaction monitoring, sanctions and PEP screening with transliteration, SLA-driven queues, a four-tier escalation ladder and goAML-format STR, SAR and CTR filings with a second approver.Cases, copilot and filingsSLA-driven queues route alerts by severity into audited cases. The AI copilot ranks risk factors and drafts narratives, and filing-ready reports are generated from case evidence.24/7 SOC for the bank’s own estateRound-the-clock monitoring, triage and incident response, with SIEM engineering, threat hunting and penetration testing that shows how far an attacker could get.
In the field
Scenarios we are 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
FAQ
Questions buyers ask
Yes. The real-time scoring API returns a risk score with contributing signals, matched typologies and an approve, review or block recommendation in milliseconds. The same engine scores streamed micro-batches and full historical backfiles.
Rules Studio lets you tune typology parameters, then backtest and shadow-score them against your own history and your analysts’ past verdicts. Rulesets are versioned, so you can show what changed and when.
Sensitive identifiers such as email addresses and phone numbers are tokenized in the PII token vault, which applies retention policies and logs every detokenization. The copilot works from the case evidence an investigator is entitled to see, runs on infrastructure you control and every draft it produces is reviewed by a person.
FinCrimes recommends and your systems decide. Playbooks can auto-escalate, assign and dispatch interdiction recommendations over HMAC-signed webhooks, and a per-workspace kill switch pauses them instantly. Automation never moves money.
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