Detect account takeovers, social-engineering scams, and money mules across instant payments, cards, wires, and digital banking - before funds leave the institution.
Fraud defense once meant overnight batch checks and next-morning alerts.
Instant payment rails made that formula obsolete.
Today's fraud targets
manipulated people and compromised identities,
not stolen card numbers.
Seceon aiFraudGuard360
closes that gap, converging every rail, device and telecom signal into one in-memory
decision layer that stops fraud before funds leave the bank.
Scores every transaction in‑memory in under 0.32 ms and places a priority hold before funds clear.
Unifies instant rails, cards, ACH, mobile RASP and telecom SIM‑swap signals into one decision layer.
Maps multi-hop money mule rings in real time so you can freeze the entire network at once.
Auto-generates pre-populated SAR/STR filings with explainable, audit-ready decision trails.
aiFraudGuard360 ingests every payment rail, enriches it with device and telecom signals, scores it in‑memory, maps mule networks and acts before funds clear, without touching your core banking system.
Streams FedNow, RTP, UPI, SEPA, ISO 8583 and ACH traffic through non-blocking Kafka and REST, as a non-intrusive sidecar.
Adds mobile RASP signals plus telecom SIM‑swap, IMSI and cell‑tower velocity checks to every transaction.
Evaluates behavior, velocity and ML models in‑memory in 0.006‑0.32 ms, with no relational database bottleneck.
Graph analytics link accounts, devices, IPs and phone numbers to expose multi-hop mule rings in real time.
Places a priority hold or core‑banking lien in under 50 ms and auto-generates SAR/STR filings.
See how aiFraudGuard360 intercepts APP scams, account takeovers and money mule networks in real time, before the funds leave the bank.
Watch aiFraudGuard360 score transactions in-memory, detect coerced transfers and SIM-swap takeovers, expose mule rings, and place a hold before funds clear.
aiFraudGuard360 gives everyone protecting your institution, from the analyst's desk to the boardroom to the account holder, the speed, context and control they need.
See the entire criminal network in one view and resolve cases in minutes, not hours of tab-switching.
Reduce fraud losses and licensing costs while staying audit-ready for regulators.
Seamless banking for honest customers, and caring protection for vulnerable ones.
aiFraudGuard360 sits between every payment rail and your core banking system, turning fragmented fraud signals into instant, explainable action.
Separate engines for cards, wires, instant rails and AML leave gaps that criminals exploit.
Relational and batch scoring can't decide inside instant-payment clearing windows.
APP scams and SIM-swap takeovers pass passwords and 2FA because the real customer authorizes.
Stolen funds splinter across accounts and banks before analysts even open the alert.
Real-Time Omnichannel
Fraud & AML Defense
FedNow, RTP, UPI, SEPA, cards, ACH and mobile flow into one real-time decision layer.
In‑memory scoring in 0.006‑0.32 ms places a priority hold before funds clear.
RASP flags remote-access tools and telco checks catch recent SIM swaps before release.
Graph analytics expose mule rings and auto-generate SAR/STR filings for regulators.
Clear answers to the questions banking executives ask most about how Seceon aiFraudGuard360 integrates, protects, complies, and explains every decision.
No. aiFraudGuard360 operates as an intelligent, high-speed sidecar or transparent dual-leg proxy. It non-intrusively ingests telemetry from your existing payment switches (ISO 8583, ISO 20022, FedNow, RTP, UPI, SEPA) and core banking platforms (Jack Henry, FIS, Fiserv, TCS BaNCS, Temenos, Finacle) via non-blocking Kafka streams and REST APIs. Your core ledger and payment infrastructure remain untouched.
Under mandatory reimbursement regulations, banks are liable for authorized push payment scams where the victim authorized the transaction under social engineering coercion. aiFraudGuard360 combines Mobile RASP (detecting active AnyDesk or TeamViewer screen sharing), beneficiary aging analysis, and recipient risk scoring to intervene before funds are released, placing mandatory cooling holds or requiring biometric re-authentication.
Our Multi-Tenant Multi-Tier (MTMT) architecture was built from the ground up for strict data sovereignty. All customer transaction data and PII remain encrypted at rest and in transit within your designated geographic boundary (on-premises datacenter, sovereign cloud, or private VPC). Field-level encryption using OpenBao KMS ensures that only authorized compliance personnel can decrypt sensitive attributes.
Yes. aiFraudGuard360 features a visual, no-code Scenario Studio. Risk officers and fraud analysts can create new rules, fine-tune thresholds, and backtest scenarios against months of historical data in silent shadow mode to measure false-positive impact before deploying, all with zero system downtime.
Absolutely. We reject black-box models. Every risk score generated by aiFraudGuard360 is accompanied by transparent, deterministic SHAP factor rankings and human-readable decision logs. When a regulator or investigator reviews an action, they see the exact reasons (e.g., SIM swap 18 minutes prior + AnyDesk screen share active + first-time high-velocity recipient) that led to the hold.
