Expose risk in real-time. Stop fraud in flight.
Protect customers and reduce losses with real-time payment fraud detection. SymphonyAI connects predictive AI, shared risk intelligence and agent-led investigations to identify threats, reduce unnecessary friction and focus teams on the payments that need attention.
Faster payments leave less time to recognize fraud and respond
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Stronger fraud protection with less friction
Reduction in false positives
Increase in payment fraud detection
Payment fraud detection and scoring
Scenarios for evolving fraud threats
entity-centric view for every alert
Faster investigations
From payment signals to action
Act while there is still time to prevent a loss. Evaluate in-flight payments with rules, predictive models and customer profiles. Connect detection to payment controls so suspicious activity can be interrupted while legitimate transactions continue.
- Identify authorized push payment scams, account takeovers and money mule activity
- Assess payments across connected channels, including wire, SWIFT and instant payments
- Support real-time interdiction alongside intraday monitoring of corporate batch payments
See the customer and the activity behind the payment. Bring transaction history, account events and related entities into a shared view. Add digital behavioral signals through ThreatMark integration to help distinguish genuine customer activity from account compromise or manipulation.
- Link customer records and accounts through entity resolution to reveal connected activity
- Compare payment behavior across channels with established customer profiles
- Give teams relevant fraud, AML and customer risk information in one place
Focus intervention where the evidence points to risk. Combine model scores, rules and customer context to prioritize alerts and apply proportionate controls. Help teams make informed decisions on held payments while reducing avoidable disruption for genuine customers.
- Configure thresholds and response policies around your institution’s risk appetite
- Support hold, release or block decisions through integrated payment workflows
- Present relevant risk indicators together so reviewers can assess urgency and decide the next action
Reduce the manual work between an alert and a well-supported decision. In SRI Investigation, a Manager Agent coordinates Worker Agents to research entities, assemble evidence and prepare findings. Teams can focus on complex fraud, assess connected activity and resolve cases with greater consistency.
- Triage and route alerts using risk context and configured investigation workflows
- Bring supporting evidence and related activity together for review in a shared Evidence Board
- Prepare case summaries and reporting narratives for human review, approval and escalation when required
Carry fraud insight into the wider financial crime response. Connect investigations with transaction monitoring, screening and customer due diligence so teams can assess related exposure. Retain decision evidence and review detection performance as threats, customer behavior and payment volumes change.
- Share relevant case findings across fraud, risk and compliance teams
- Expose relationships between payment fraud, money mule activity and wider financial crime risk
- Test proposed rule and model changes before approving them for production
Capabilities that protect payments and customer trust
Unified risk ontology and entity resolution
Connect customers, accounts, payments and relationships through a shared FinCrime ontology. Give detection and investigation teams a consistent view of connected risk.
Payment protection at enterprise scale
Expand processing capacity as demand grows. Support high-volume, real-time scoring and batch workloads while maintaining responsive payment controls across the enterprise.
Fewer false positives, sharper risk focus
Combine predictive models, configurable rules and customer profiles to distinguish suspicious activity from legitimate payments, reducing unnecessary alerts and avoidable customer friction.
End-to-end agent-led investigations
Orchestrate triage, research, investigation and reporting in SRI Investigation. Agents prepare evidence and findings, helping teams resolve cases consistently with human oversight.
Behavioral intelligence before payment
Extend payment analysis with ThreatMark’s digital behavioral signals. Recognize signs of account compromise or manipulation earlier in the customer journey.
Detection that adapts to new threats
Equip fraud teams to configure, test and refine rules and models in-house, improving coverage as criminal tactics and customer behavior change.
Results you can see
Published results across payment fraud and connected investigations.
After a 140% rise in fraud attempts, a regional bank used real-time controls to interrupt suspicious payments before funds left.
After a 140% rise in fraud attempts, a regional bank used real-time controls to interrupt suspicious payments before funds left.
Read case studySRI Investigation consolidated risk information, reducing review effort and vendor costs.
SRI Investigation consolidated risk information, reducing review effort and vendor costs.
Read case studyAn integrated suite combines payment fraud, KYC/CDD, screening, transaction monitoring and case management.
An integrated suite combines payment fraud, KYC/CDD, screening, transaction monitoring and case management.
Read case studyAdopt AI at your pace
Start where teams need support and extend as value grows.
Build on existing fraud controls
Introduce agent-led investigations alongside your current detection systems.
● Reduce manual research and case preparation
● Enrich detection with behavioral risk insight
Symphony Risk Intelligence
SRI is an agent-native risk and compliance platform purpose built to transform FinCrime
Combining unified risk intelligence with end-to-end agentic orchestration, SRI enables compliance programs to stay current by design as regulations, threats, and business activity change.
SRI is built so customers can start where they need to, expand at their own pace, and scale across regions, lines of business, and use cases without friction.
Modernize your infrastructure with a cloud-native, evergreen platform that prepares your business for the era of agentic AI and continuous AI innovation.
Our solutions are built on 25 years of proven expertise on a global scale. That’s why we’re trusted by 33% of the world’s largest financial institutions.
Related resources
Explore practical approaches to fraud prevention and connected investigations.
Payment Fraud FAQs
Explore how real-time detection, connected risk insight and agent-led workflows help protect customers, reduce friction and strengthen your response to payment fraud.
SymphonyAI helps detect authorized push payment scams, account takeovers, money mule activity and other fraud patterns. Rules, predictive models and customer profiles help spot threats across connected channels, including wire, SWIFT and instant payments.
Payments are scored while in flight, allowing integrated controls to hold or block suspicious transactions. Published scoring latency is under 50 milliseconds. This figure covers detection and scoring. Total payment and case review times depend on the wider workflow and deployment.
Models assess payment behavior alongside configurable rules and customer context. More precise risk assessment helps teams reduce unnecessary alerts and apply proportionate controls. Thresholds and intervention policies remain configurable, so institutions can balance fraud prevention with the customer experience.
Agents support triage, research, investigation and reporting through SRI Investigation. They gather evidence and prepare findings for review, helping teams assess complex cases. Live payment scoring uses predictive models and rules; agent-led case work follows its own workflow and timing.
Yes. Introduce agent-led investigation alongside existing detection, or connect payment fraud capabilities through available interfaces. Extend shared context across fraud, AML and customer risk in stages. Data, interfaces and your own controls shape the scope and sequence.
Stop fraud and keep your customers moving
See how SymphonyAI helps cut fraud losses, reduce friction and free fraud teams to act.