Loci AI
The Future of Risk Defence. Enterprise-grade realtime decision engine for fraud and risk.
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Been there, done that
Your business relies on processing transactions on behalf of other entities, whether it’s payments, transfers, or withdrawals. Fraud is a constant threat, and you need to catch suspicious activity before it causes real damage. You’ve got rules in place—if a transaction goes over a certain amount or if it’s sent to a risky location, your system flags it.
At first, it worked well. You were able to catch the obvious cases. But as your business grew, so did the complexity of fraud attempts. Suddenly, simple rules weren’t enough. Fraudsters started finding ways around them.
You tried building more complex rules. You even brought in machine learning models to identify patterns that weren’t immediately obvious. But these models required a team of data scientists, took time to train, and weren’t flexible enough to adapt to new threats in real time.
Your fraud analysts are overwhelmed, trying to manually tweak rules while chasing after fraud that’s already happened. Meanwhile, competitors’ systems are faster, smarter, and catching fraud you’re missing.
That’s where Loci comes in
Loci is an AI-powered fraud defense platform that puts control back into the hands of fraud analysts. Your analysts don’t need to know how to code or build complex models—they just describe the suspicious behavior in plain language, and Loci does the rest. Named after "Locus," referring to a set of points satisfying certain conditions, Loci helps identify critical moments in financial transactions.
It’s like having an always-on fraud expert in your system. loci helps financial organizations stay ahead of fraud without requiring a team of data scientists or engineers. It’s the quickest way to turn fraud patterns into active defenses. It looks at every transaction from multiple angles, catching things your old system missed, and it does it the moment the transaction happens. No waiting. No lag.
The best part? Your team is in control. They can adjust the rules as needed, add new patterns, model complex scenarios, enable AI review, and deploy changes without waiting for engineers to make updates. It’s fraud detection that moves as fast as fraudsters—and even faster.
So while others are stuck with static rules and complex setups, your business stays ahead. Loci helps you stop fraud before it happens, saving you time, money, and peace of mind.
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The Fraud Desk
Signals, rule-craft, and insights from the frontline of digital risk.
FAQ
About Loci
Loci provides real-time fraud detection for financial transactions and account activities. In less than half a second, it assesses whether an action looks suspicious. This empowers banks, fintechs, and payment providers to identify and stop potential fraud before any money is lost, protecting both the institution and its customers.
Loci stands apart from traditional systems by offering a unique combination of capabilities designed for today's fast-paced financial environment: Speed, AI Explainability, Rule Agility, Dynamic Feature Streaming, Graph Intelligence. Evaluations within Loci are weighted and contribute to a final score, which is assessed against a threshold. This scoring-based approach allows for a broader range of decisions rather than a strict pass/fail or black-box outcome typical in traditional systems
Yes, Loci leverages artificial intelligence, but we are committed to a transparent and controllable approach. Our AI isn't a "black box" that makes decisions without explanation. Instead, it intelligently analyzes real transaction data to help identify emerging suspicious patterns, and generate new composite rules. Your fraud analysts remain in full control, as every decision Loci makes is based on clear, understandable, and auditable AI powered rules they can review and manage.
While Loci incorporates a powerful and highly flexible decision engine, it's significantly more advanced than that. Loci enhances traditional rule logic by integrating several sophisticated capabilities: Real-time Behavior Tracking: It dynamically monitors customer behavior over time, looking at aspects like the number of transfers within a specific period (e.g., the last hour) or sudden changes in transaction frequency. Relationship Data Analysis: Loci understands the connections and historical interactions between different data points (profile, device, history, graph), to provide deeper context-aware decisioning. Continuous Learning from Fraud Cases: The system learns from confirmed fraud instances to continually refine and improve its rule suggestions and overall detection accuracy
We have simplified integration and management to make it easy for your team to realize value quickly. This ensures that Loci can leverage your valuable data and enhance your current workflows for a more comprehensive and effective fraud defense strategy.