Payment-risk signals
Bring relevant payment events into a clearer fraud-review context.
FINANCIAL-CRIME SOLUTIONSFraud detection
Fraud detection
Connect suspicious signals to a clear response.
Help banks assess suspicious account and payment activity and connect risk signals with their response processes.
What this solution does
Fraud detection supports the assessment of suspicious account and payment events under operational time pressure. Banks need to understand the signal, the surrounding context and the response options available within their own processes. This solution area focuses on making those signals usable for fraud operations and subsequent investigation.
The challenge
Fraud teams must act quickly while balancing missed fraud against unnecessary disruption to legitimate customers. Each alert needs clear response responsibilities and supporting evidence.
What your teams can do
Account context
Consider permitted account information alongside suspicious activity.
Response coordination
Support bank-owned investigation and response decisions with understandable findings.
Related account events
Consider relevant changes and activity alongside the payment under review. Use the account context the institution is authorised to provide.
Clear response ownership
Connect findings with the teams responsible for customer contact and payment handling. Keep the bank’s response authority explicit.
Reviewed outcomes
Preserve the conclusion of an investigation and the supporting context. Help teams understand how a concern was resolved.
Data quality and review evidence
These capabilities are included within this product’s agreed scope.
Data quality & record context
Highlight missing or inconsistent account/payment context that affects a fraud assessment. Preserve original event references used by the investigating team.
Audit & compliance evidence
Keep relevant risk signals, supporting event information and reviewed outcomes connected. Record the context of bank-owned response decisions where supplied.
Who it helps
- Payment-fraud operations
- Account-protection teams
- Fraud investigators and response managers
Banking use cases
Illustrative situations showing how the solution can support a bank’s work; these are not customer case studies.
A payment after an account change
An account change is followed by an unusual transfer. The fraud team can assess the available context and decide whether customer contact or another bank-controlled response is appropriate.
A customer reports a concern
A customer reports a payment they do not recognise. Investigators can organise related events and findings to support a documented assessment of the incident.
Value for your institution
For fraud operations
An understandable signal and supporting context can help teams respond coherently.
For investigators
Keep account events, payment information and investigation outcomes connected.
For customers
Support a coordinated institutional response when a payment concern needs attention.
Common questions
Does a fraud signal automatically block a payment?
Payment actions are controlled by the bank’s agreed response process. Detection and transaction authorisation remain distinct responsibilities.
Can every type of fraud be prevented?
No. Useful coverage depends on the available information and agreed scenarios; software cannot guarantee the prevention of all losses.
Shape the right engagement
Discuss the fraud scenarios, available signals and operational response expectations relevant to your institution.
Define the relevant business scope, permitted information, review responsibilities and practical acceptance needs with your institution. This creates a clear basis for discussing delivery and support.