Transaction Monitoring
Real-Time & Post-Event Fraud/AML Controls
Detect and stop risky payments, deposits, withdrawals, and transfers withstreaming rules + ML + graph analytics. Real-time decisions before authorization,and smart post-event reviews for edge cases.
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Core Value
- Real-time controls: decisions in low tens of ms for pre-auth / pre-payout.
- Explainable outcomes: unified txn_risk_score + reason codes.
- Typologies out of the box: fraud, promo abuse, ATO cash-outs, mule patterns, structuring, smurfing, velocity abuse.
- Graph & velocity: link analysis across devices, accounts, cards, wallets, IPs; sliding-window counters.
- Privacy-first: minimal data required; configurable retention and regional storage.
What Transaction Monitoring Does
- KYT checks: counterparty risk, country/geo, MCC/merchant, method risk (card, wallet, crypto, bank).
- Velocity & limits: per-entity rolling windows (1h/24h/7d/30d) for amount, count, declines, chargebacks.
- Behavior & device context: IRIS/Device Intelligence flags, session anomalies, step-up triggers.
- Graph intelligence: shared devices/cards/emails/addresses -> mule & ring detection.
- AML scenarios: structuring near thresholds, rapid layering, sanctions/PEP touch points, high-risk corridors.
- Case management: auto-create/reopen cases, SLA timers, audit trail, investigator actions API.
What You'll Measure
- Pre-event block rate (without hurting genuine conversion).
- Chargebacks/disputes reduction and recovered losses.
- Pre-event block rate (without hurting genuine conversion).
- Detection coverage of target typologies (structuring, mules, promo abuse, testing).
