AI risk infrastructure
Zethic AI Fraud, KYC & Risk Suite is a risk engine that verifies identities, scores transactions and monitors accounts on one customer profile. Screen against sanctions and PEP lists, write your own rules, and read the reasons behind every decision.
What it is
Most institutions split risk across a KYC vendor, a fraud tool and an overnight monitoring system; this runs all three on one engine and one customer profile.
Models handle documents, liveness, device signals and anomalies, with a deterministic rules layer your risk team controls directly.
Capabilities
Five modules sharing one profile, one score history and one audit trail.
Authenticates the identity document, extracts data by OCR, and matches the portrait to a live selfie with passive liveness. Ambiguous cases route to a reviewer with the failing check highlighted.
Screens individuals and entities against sanctions, PEP and adverse-media sources, unwraps ownership to the ultimate beneficial owners, and rescreens continuously as lists change.
curl -X POST \ api.zethic.io/v1/real-time-fraud-scoring \ -H "Authorization: Bearer ***"
Scores logins, onboarding, payments and payouts inline against device, behavioural, velocity, geo and network signals, returning approve, challenge or decline with the contributing factors.
Runs configurable AML typologies plus anomaly detection against each customer’s own baseline, and links accounts, devices and beneficiaries to expose mule networks.
Alerts land prioritised with the profile, score breakdown and linked entities attached. Your team writes and backtests rules against historical data before shipping them.
See it on your data
Bring a historical window of transactions with the known fraud labelled. We will replay it and show what the engine catches, misses and flags.
Inside the platform
One engine, three surfaces: the queue, the studio and the API.
Alerts arrive prioritised with the customer profile, score breakdown and linked entities already attached.
Your risk team authors deterministic rules and replays them against historical data before anything goes live.
Call the engine at onboarding, login, payment or payout and get approve, challenge or decline with reasons.
Why teams switch
What changes when KYC, fraud and monitoring run on one engine.
Detection rate and alert volume are measured on your own labelled history before anything is enforced.
Deploy the engine and its models in your own cloud or on-premises so PII stays put.
Models are versioned, drift-monitored and bias-tested, with a human review path on adverse decisions.
Sanctions, PEP and adverse-media checks rescreen continuously as lists change, not only at onboarding.
How it's different
Every row is a place a stitched risk stack leaks fraud or analyst hours.
Separate KYC, fraud and monitoring tools, reconciled by analysts.
One AI engine and one customer profile across the whole lifecycle.
How it works
Document authentication, OCR, face match with passive liveness, plus registry, sanctions, PEP and adverse-media screening.
Logins, payments and payouts are scored inline against device, behavioural, velocity, geo and network signals, returning a decision with its factors attached.
Monitoring runs AML typologies and anomaly detection against each customer’s baseline, while graph analysis links accounts, devices and beneficiaries.
Alerts arrive prioritised with full context.
See it before you commit
Rollouts start in shadow mode on a historical window of your own transactions, so detection and alert volume are measured before a single decision is enforced.
Use cases
Institutions where a wrong decision costs money one way and customers the other.
Genuine applicants clear in under a minute, while synthetic identities and reused document images are caught at capture rather than at the first chargeback.
Clean applicants clear in under a minute
Every authorisation is scored in the request path, so step-up challenges land only on the fraction of payments that warrant them.
Step-up only where risk actually is
Graph analysis links applications sharing devices, addresses or beneficiaries, exposing organised rings behind individually plausible files.
Application rings surfaced before disbursement
Per-customer baselines and tuned fuzzy matching cut alert volume, and each remaining alert arrives with its context already assembled.
Analysts start with context, not tabs
Integrations
API-first and vendor-agnostic: it calls the data sources you already subscribe to.
Security & compliance
How the suite handles data, models and evidence.
AES-256 at rest with per-tenant key separation and TLS 1.3 in transit. Documents, selfies and biometric templates are retained only for the period you configure.
Every score is logged with its inputs, contributing factors, fired rules and model version, so any decision can be reconstructed years later.
Models are versioned, their training and validation datasets recorded, and live performance monitored for drift. Promotion to production is an approved, logged change.
Outcomes are tested across demographic segments for disparate impact, and no adverse decision is final without a human review path.
Why choose us
A risk engine is judged on what it catches and whether the decision holds up afterwards.
Book a demoThe suite carries the model governance, change-control and audit discipline that banks, lenders and payment companies require.
Evaluation starts with a replay of your labelled historical data, so detection rate and analyst workload are measured on your book.
Explainability is architectural, not a report generated afterwards. Factors, rules and model versions travel with every decision.
The rule studio puts thresholds, typologies and overrides in your analysts’ hands, with backtesting before release.
Client reviews. Real outcomes.
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Frequently asked
Still unsure? Send us the question you actually need answered and a senior engineer will reply.
Book a demoTransaction scoring runs inline in the request path and returns a decision in single-digit to low double-digit milliseconds, within a latency budget you configure. Identity verification resolves a clean applicant in under a minute, including document authentication, liveness and screening.
Data is encrypted with AES-256 at rest using per-tenant key separation and TLS 1.3 in transit, with keys in a managed KMS or HSM under documented rotation. Documents, selfies and biometric templates are retained only for the period you configure, and access is role-scoped, MFA-protected and logged.
Yes. A single scoring endpoint drops into your onboarding, login and authorisation flows, and webhooks push alerts, case updates and screening hits into your case management, CRM or reporting systems. Your existing list providers, bureaus and registry lookups connect as data sources rather than being replaced.
The engine and its models deploy into your own cloud account or on-premises, so customer PII and biometric data never leave your perimeter to be scored. Alternatively we operate a regional tenancy in the jurisdiction your regulator expects, with isolated per-country tenancies for multi-market institutions.
Every score is stored in an immutable log with its inputs, the factors that raised it, the rules that fired and the model version that produced it. Models are versioned and monitored for drift, outcomes are tested for disparate impact, and any human override is captured with its reason.
Tell us where fraud is getting through and where your analysts are drowning. A senior engineer will walk you through verification, scoring, monitoring and the alert queue, then scope a shadow run on your own history.
Share your context
Volumes, channels, current vendors and where losses land today.
See a live walkthrough
A working demo of KYC, inline scoring, monitoring and case management.
Get a shadow-run plan
Data requirements, evaluation metrics, deployment shape and licensing.
Tell us where fraud is getting through and where your analysts are drowning. A senior engineer will walk you through verification, scoring, monitoring and the alert queue, then scope a shadow run on your own history.
