Fraud Detection Agentic AI · CAIBots · Real-Time · Multi-Signal · V4.0

AGENT STATS

5 AGENTS 22 SCENARIOS Reg E · FFIEC · NACHA SANDBOX MODE

⬇ Demo PDF

AI ENGINE Claude API — Sandbox Mode • Live architecture • Simulated data sources • Click ⚙ for Live SAR generation ~33k–220k tokens per SAR ⓘ Scenario 10 requires API key : Live AI

Demo Speed

Mode: Client Demo

PIPELINE FLOW

Signal Ingestion

→

Orchestrator

→

5 Source Tools

→

5 Agents ∥

→

Correlation

→

LLM Reasoning

→

HITL Gate

→

Regulatory Filing

AGENT ROI

—

Pipeline
Runtime

—

Analyst Investigation
Time Replaced

—

Manual Cost
Per Case

—

AI Cost
Per Case

5 ∥

Parallel
Agents

0.0s RUNNING

BSA · FinCEN · FATF · OFAC COMPLIANT

SESSION STATS

Sub-Agents

Source Tools

Cases Processed

HITL Decisions

SAR Events

—

Last Run Time

12,847

Txn / sec

1,284

Queue Depth

420ms

Avg Decision

99.7%

SLA Compliance

FRAUD
TRIGGERS

ATO Detection BEC Alert Wire Fraud SAR Obligation SWIFT Recall Mule Network Structuring §5324 OFAC Screen Synthetic ID Pig Butchering CNP Fraud ACH Fraud Elder Exploit New Acct Fraud Check Fraud Reg CC

Fraud Scenarios

Account Takeover (ATO)

Marcus Reeves · Wire $47,500

P0 ▼

New device · Impossible travel · Known ATO proxy IP · 1-hop mule payee

⚠ P0 CRITICAL · WIRE PENDING $47,500

● Expected: SAR FILING + ACCOUNT FREEZE

Business Email Compromise

Apex Manufacturing · Wire $185K

P0 ▼

Spoofed domain apex-mfg.com · UAE payee · SWIFT recall window open

⚠ P0 CRITICAL · BEC CONFIRMED

● Expected: WIRE BLOCK + SWIFT RECALL + SAR

Synthetic Identity

Alex J. Mercer · Bust-Out $18K

P1 ▼

SSN issued age 8 · Credit 0→98% in 30d · USPS undeliverable

⚠ P1 HIGH · BUST-OUT PATTERN

▮ Expected: SAR EVALUATION + CREDIT FREEZE

Mule Account Network

Zelle Cluster · 7 Accounts · $47.2K

P1 ▼

Structured $450–$950/hop · 3 crypto offramps · §5324 structuring

⚠ P1 HIGH · MULE RING DETECTED

● Expected: SAR ×7 + FREEZE + §5324 REFERRAL

Pig Butchering / Investment Scam

Grace Tanaka · Wire $340K to crypto

P0 ▼

8-month romance scam · Victim-initiated wires · FinCEN guidance 2023

⚠ P0 CRITICAL · $340K VICTIM WIRE

● Expected: SAR FILING + WIRE HOLD + FinCEN REPORT

Card-Not-Present (CNP) Fraud

Stolen Card Ring · $28.4K · 47 txns

P0 ▼

47 txns · 11 cards · Chargeback exposure $65–$100/tx · Reg E 5-day clock

ⓘ Outcome varies — suppression model may auto-clear if merchant whitelist match

⚠ P0 HIGH-VOLUME · CARD FRAUD RING

● Expected: CARD BLOCK + REG E + CHARGEBACK — or AUTO-CLEAR if merchant whitelist match

ACH Origination Fraud

Phantom Payroll · $62K · NACHA R10

P0 ▼

Phantom payroll ACH · NACHA 2-day return window · ODFI liability · Reg E

⚠ P0 CRITICAL · ACH FRAUD BATCH

● Expected: ACH RETURN + SAR + NACHA REPORT

Elder Financial Exploitation

Dorothy Chen, 81 · $92K drained

P1 ▼

Caregiver undue influence · 40+ state mandatory reporting · CFPB visibility

⚠ P1 HIGH · ELDER EXPLOITATION

▮ Expected: SAR + STATE REPORT + APS REFERRAL

New Account Fraud (NAF)

Stolen ID · Acct #0012 · $14.5K

P1 ▼

Real stolen identity at onboarding · Device fingerprint anomaly · Rapid drawdown

⚠ P1 HIGH · STOLEN IDENTITY ONBOARDING

▮ Expected: ACCOUNT FREEZE + SAR + ID VERIFICATION

Check Fraud / Counterfeit

Altered Checks · $41K · 6 items

P1 ▼

Altered payee + amount · Reg CC holds · UCC Article 4 · Check 21

⚠ P1 HIGH · CHECK FRAUD SERIES

▮ Expected: CHECK HOLD + SAR + REG CC FILING

Zelle — Unauthorised Transfer

Priya Raman · $3,200 · settled

P0 ▼

Credential takeover · irrevocable rail · 12 CFR §1005.11 error resolution

⚠ P0 CRITICAL · REG E CLOCK RUNNING

▮ Expected: REG E PROVISIONAL CREDIT (10 BD) + SAR + FREEZE

Zelle — Authorised Scam

Daniel Okoye · $3,450 · settled

P1 ▼

Customer-authorised · spoofed invoice · NOT a Reg E error

⚠ P1 HIGH · AUTHORISED — COMPARE LANE 11

▮ Expected: NO REG E ERROR + SAR + SCAM REFERRAL

RTP / FedNow — Instant Rail

Halden Logistics · $18,400 · 3.1s

P0 ▼

Irrevocable on settlement · TCH Operating Rules · UCC 4A

⚠ P0 CRITICAL · NO RECALL PATH EXISTS

▮ Expected: NO RECALL + SAR + UCC 4A REVIEW

First-Party Fraud

Whitney Barlow · 9 disputes · $2,180

P2 ▼

No external actor · enrolled device · denial requires human review

▮ P2 REVIEW · HUMAN DECISION MANDATORY

▮ Expected: DISPUTE DENIAL + DOCUMENTED APPEAL PATH

Card-Present — ATM Cash-Out

9 cards · $31,600 · 71 min

P0 ▼

EMV fallback on 24/24 · issuer liability · common point of purchase

⚠ P0 CRITICAL · CLONED CARDS · 3 STATES

▮ Expected: 9 CARD BLOCKS + REG E + CTR + SAR

Wire Recall — SWIFT GPI

Corbin Industrial · $264,000 · 19h

P1 ▼

Settled cross-border · gpi stop-and-recall · best-effort only

⚠ P1 HIGH · RECOVERY POSSIBLE, NOT PROBABLE

▮ Expected: GPI RECALL + IC3 + SAR

Deepfake — Voice-Clone CFO

Marrow Dental · $410,000 · held

P0 ▼

Synthesis 0.91 · callback dialled attacker’s number · control failure

⚠ P0 CRITICAL · VOICE IS NOT AUTHENTICATION

▮ Expected: WIRE BLOCK + SAR + CONTROL ESCALATION

Insider Fraud — Employee

OPS-2214 · $88,400 · 17 adjustments

P1 ▼

Authorised and authenticated · identity signals invert · SoD gap

⚠ P1 HIGH · SUB-THRESHOLD CLUSTERING

▮ Expected: DUAL CONTROL + SAR + HR REFERRAL

Crypto Off-Ramp — Travel Rule

Verrick Trading · $127,000 · 9 sends

P0 ▼

All below $3,000 threshold · links to MC-2024-18 (lane 04)

⚠ P0 CRITICAL · TRAVEL RULE AVOIDANCE · §5324

▮ Expected: BLOCK + SAR + STRUCTURING + TRAVEL RULE

Merchant Bust-Out

Halcyon Home Goods · $340K · 48h

P1 ▼

Acquirer-side · 22× baseline · chargebacks 4.1% at hour 6

⚠ P1 HIGH · EXPEDITED PAYOUT REQUESTED

▮ Expected: RESERVE HOLD + PAYOUT SUSPENSION + SAR

Check Kiting — Circular Float

2 internal + 1 external · $71K apparent

P1 ▼

No single item is fraudulent · Reg CC holds, not blocks

⚠ P1 HIGH · COLLECTED BALANCE NEVER POSITIVE

▮ Expected: REG CC HOLDS + SAR + 314(b) NOTICE

Tipping-Off Interdiction

SAR-flagged acct · blocked notification

P0 ▼

31 U.S.C. §5318(g)(2) · SAR confidentiality · Control Plane negative test

⛔ P0 · CONTROL INTERDICTION

▮ Expected: HARD BLOCK — message never leaves the perimeter · BSA review path only

Live Custom AI

Claude API · Any Entity

LIVE ▼

Live Claude API · SAR narrative generation in FinCEN format — draft for BSA Officer review

🤖 LIVE AI · REQUIRES API KEY

Describe the fraud scenario in plain English

5-Agent Fraud Detection Pipeline · Real-Time · 22 Scenarios · 5 Source Tools

Expand a scenario on the left, then click Run Agent Pipeline

IDLE

⚡

Fraud Detection Intelligence Engine

Expand a scenario on the left
then click Run Agent Pipeline

5 Sub-Agents — Parallel Execution

⚡

TRANSACTION RISK SCORER

XGBoost · Graph Neural Net

🏦

ACCOUNT STATE ANALYZER

FIS · Fiserv · 36-Month History

👁

BEHAVIORAL BIOMETRICS

BioCatch · ThreatMetrix · Sardine

📋

REGULATORY COMPLIANCE

BSA-AML · Reg E · FFIEC · CFPB

📁

CASE MANAGEMENT AGENT

NICE Actimize · Verafin · SAR Pre-fill · HITL Queue

COMPLIANCE GATE

VECTOR RAG

47 Typologies

API CALLS

OFAC · Actimize

SQL DB

36-Month Txn

KNOW-GRAPH

Mule Networks

MEMORY

Ring Profiles

Fraud Analyst Workbench

Regulatory Filing Deadlines

SAR Filing

From suspicion identified · Calendar Days

31 U.S.C. §5318(g)

Reg E Provisional Credit

Unauthorized transaction · Business Days

12 C.F.R. §1005.11

CTR Filing

Cash transactions >$10K · Calendar Days

31 CFR §1010.311

OFAC Block Report

After SDN hit · Business Days

31 CFR §501.603

SWIFT Wire Recall

BEC / fraud wire · Hours from detection

Fedwire OC-6

Case Evidence Summary

Run a scenario to populate
evidence summary

Human-in-the-Loop Authorization

Run a scenario to activate
HITL authorization gates

Risk Score — 5 Signal Dimensions

Immutable Audit Trail

Fraud Detection Agentic AI — Live Demo