{
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  "sourcesContent": ["import{jsx as e,jsxs as i}from\"react/jsx-runtime\";import{Link as n}from\"framer\";import{motion as a}from\"framer-motion\";import*as t from\"react\";export const richText=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/i(\"p\",{children:[\"Oscilar, a leading provider of AI Risk Decisioning\u2122 Platform, is pleased to announce a strategic partnership with \",/*#__PURE__*/e(n,{href:\"www.decidir.net.br\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Decidir\"})}),\", a Brazilian expert in decision-making platforms for risk, fraud, credit, and non-face-to-face sales. This collaboration marks a significant step forward in bringing advanced AI-powered decision automation to the Brazilian market.\"]}),/*#__PURE__*/e(\"p\",{children:'\"The ability to make swift, accurate decisions in risk management and credit underwriting is crucial,\" explained Neha Narkhede, Co-Founder & CEO of Oscilar. \"The combination of Decidir\\'s deep expertise in the Brazilian market and Oscilar\\'s cutting-edge generative AI Risk Decisioning\u2122 Platform provides a solution that will transform how businesses in Brazil manage risk and automate decisions.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Integrating Industry-Leading Technologies\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership brings together Oscilar's advanced AI Risk Decisioning\u2122 Platform and Decidir's two decades of experience in developing and operating innovative platforms focused on financial products and services. By leveraging Decidir's extensive knowledge of the thriving Brazilian banking and fintech ecosystem, the partnership will deliver unparalleled decision automation capabilities to identify risks, prevent fraud, and optimize credit assessments.\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Features and Benefits of the Partnership:\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Decision Automation\"}),\": Combining Oscilar's AI Risk Decisioning\u2122 Platform with Decidir's expertise in decision-making regarding risk, fraud, and credit offers unparalleled accuracy in automating complex decisions. The integrated system uses advanced technology to analyze vast datasets, quickly distinguishing between low-risk and high-risk activities in real time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced User Experience\"}),\": The advanced analytics and machine learning models employed by Oscilar and Decidir significantly reduce false positives and streamline decision-making processes. Decidir's deep understanding of Brazilian regulatory requirements ensures that the combined solution meets all local compliance standards while improving operational efficiency.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamlined Implementation\"}),\": Brazilian financial institutions can benefit from quick and seamless integration of this combined solution into their existing systems. Oscilar's no-code and natural language interface allows for easy customization, enabling institutions to tailor their decision strategies to their specific needs without requiring extensive engineering resources. Decidir's experience in the Brazilian market ensures smooth implementation and adoption.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We are excited about partnering with Oscilar to bring their AI-driven risk management solutions to the Brazilian market,\" said Jos\\xe9 M\\xe1rio Ribeiro Jr, Founder & CEO at Decidir - a company of Grupo Check. \"This partnership allows us to offer our clients the most advanced decision automation technology available, powered by Oscilar\\'s generative AI and enhanced by our deep understanding of the local market. Together, we\\'re setting a new standard for risk management and decision automation in Brazil.\"'}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar:\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning\u2122 Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h2\",{children:\"About Decidir:\"}),/*#__PURE__*/e(\"p\",{children:\"For over 20 years, Decidir has been developing and operating innovative platforms focused on financial products and services, with expertise in decision-making regarding risk, fraud, credit, and non-face-to-face sales. Decidir specializes in providing high-performance solutions that process large volumes of data with analytical intelligence, offering personalized, agile service with excellent cost-benefit to the Brazilian market. With a strong presence in S\\xe3o Paulo and serving clients throughout Brazil, Decidir has successfully implemented over 100 projects and processed more than 200 million decisions.\"})]});export const richText1=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Oscilar, the cutting-edge AI Risk Decisioning\u2122 platform, is thrilled to announce a strategic partnership with Spade, the fastest and most accurate provider of real-time merchant intelligence for the card ecosystem. This collaboration marks a significant milestone in the fintech industry, combining Oscilar's advanced risk management capabilities with Spade's unparalleled merchant data accuracy.\"}),/*#__PURE__*/e(\"h2\",{children:\"Enhancing Risk Decisioning with Precise Merchant Intelligence\"}),/*#__PURE__*/e(\"p\",{children:\"The partnership integrates Oscilar's comprehensive risk management platform with Spade's ground-truth merchant database, covering over 99.9% of merchants in the U.S. This powerful combination will enable financial institutions to:\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Improve Real-Time Authorization\"}),\": Leverage Oscilar's AI-driven decisioning, enhanced by Spade's sub-50ms response time, for improved transaction approvals and more granular spend controls.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Elevate Fraud Detection\"}),\": Utilize Oscilar's advanced fraud prevention models bolstered by Spade's exact geographic data and detailed merchant information.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhance Customer Insights\"}),\": Gain deeper visibility into customer spending patterns through Oscilar's analytics, enriched by Spade's detailed merchant data.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamline Compliance\"}),\": Benefit from Oscilar's robust AML and compliance solutions, supported by Spade's accurate merchant categorization.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Revolutionizing the Financial Services Landscape\"}),/*#__PURE__*/e(\"p\",{children:'Neha Narkhede, Co-Founder & CEO of Oscilar, stated, \"The combination of our generative AI Risk Decisioning platform and Spade\\'s deep merchant insights offers an unparalleled solution to streamline and increase the accuracy of merchant onboarding and transaction monitoring. This partnership represents a major leap forward in our mission to transform risk management for digital organizations.\"'}),/*#__PURE__*/e(\"p\",{children:'\"By integrating Oscilar\\'s AI-powered risk decisioning platform with Spade\\'s real-time merchant intelligence, we\\'re setting a new standard for accuracy and efficiency in the financial services industry,\" added Oban MacTavish, co-founder and CEO of Spade. \"This partnership will empower our clients to make faster, smarter decisions while significantly reducing fraud risks.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Key Benefits of the Oscilar-Spade Integration:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Fraud Detection\"}),\": Combine Oscilar's AI-powered risk management with Spade's cutting-edge merchant verification for unparalleled accuracy in identifying fraudulent transactions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced User Experience\"}),\": Significantly reduce false positives using Oscilar's advanced analytics, ensuring legitimate transactions proceed smoothly while maintaining robust security measures.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Scalable and Adaptive Risk Management\"}),\": Stay ahead of evolving threats with Oscilar's solution, which adapts to changing fraud patterns in real-time, enriched by Spade's detailed merchant data.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamlined Implementation\"}),\": Benefit from quick integration with Oscilar's no-code interface and Spade's easy-to-implement API, allowing for easy customization without extensive engineering resources.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced Device and Behavioral Intelligence\"}),\": Leverage Oscilar's cutting-edge device intelligence and behavioral biometrics solution, which monitors Thousands of signals across device intelligence, behavior biometrics, user intent, and activity across every customer touchpoint. This feature helps identify and prevent sophisticated fraudulent patterns in real-time, including account takeovers and scams, while reducing friction for legitimate customers.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h2\",{children:\"About Spade\"}),/*#__PURE__*/e(\"p\",{children:\"Spade provides real-time merchant intelligence for the card ecosystem, leveraging its ground-truth database to link any card transaction to a real merchant identity. Spade leads the market in merchant coverage, geolocation matching accuracy, and speed of transaction enrichment.\"}),/*#__PURE__*/e(\"p\",{children:\"For more information about how this partnership can benefit your organization, please contact demo@oscilar.com or sales@spade.com.\"})]});export const richText2=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/i(\"p\",{children:[\"Oscilar, a leading provider of AI Risk Decisioning solutions, is pleased to announce a strategic partnership with \",/*#__PURE__*/e(n,{href:\"https://www.jumio.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Jumio\"})}),\", the leading provider of AI-driven identity verification, risk signals and compliance solutions. This collaboration marks a significant step forward in strengthening the fight against fraud and enhancing the security of digital identities.\"]}),/*#__PURE__*/e(\"p\",{children:'\"Striking the right balance between minimizing fraud risk and reducing customer friction is crucial in digital onboarding and credit underwriting,\" explained Neha Narkhede, Co-Founder & CEO of Oscilar. \"The combination of Jumio\\'s identity verification solutions and Oscilar\\'s cutting-edge generative AI Risk Decisioning platform provides a revolutionary solution that streamlines and improves the accuracy of digital onboarding like never before.\"'}),/*#__PURE__*/e(\"h3\",{children:\"Integrating Industry-Leading Technologies\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership brings together Oscilar\u2019s advanced AI Risk Decisioning platform and Jumio\u2019s sophisticated identity verification and compliance solutions to help businesses improve how they manage risks and enhance fraud capabilities. By leveraging Jumio\u2019s industry-leading insights, the partnership will deliver unparalleled fraud detection capabilities to identify synthetic identities and prevent false positives.\"}),/*#__PURE__*/e(\"h3\",{children:\"Key Features and Benefits of the Partnership:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Fraud Detection:\"}),\" Combining Oscilar's AI-powered risk management platform with Jumio's identity verification solutions, which utilize biometrics, AI and machine learning, offers unparalleled accuracy in identifying fraudulent transactions. The integrated system uses advanced technology to analyze vast datasets, quickly distinguishing between legitimate and suspicious activities in real time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced User Experience:\"}),\" The advanced analytics and machine learning models employed by Oscilar and Jumio significantly reduce false positives. Jumio's solutions, which include face-based biometrics and ID verification, ensure that genuine transactions proceed unhindered, improving customer satisfaction and reducing friction in the user experience. Potentially fraudulent transactions are flagged for further review, allowing for a more targeted approach to fraud prevention.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamlined Implementation:\"}),\" Financial institutions can benefit from quick and seamless integration of this combined solution into their existing systems. Oscilar\u2019s no-code and natural language interface allows for easy customization, enabling institutions to tailor their fraud detection strategies to their specific needs without requiring extensive engineering resources. Jumio's platform is designed for easy integration and scalability, further simplifying the implementation process.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We are excited about partnering with Oscilar to enhance their AI-driven risk management solutions,\u201D said Robert Prigge, CEO of Jumio. \u201CIncreasingly, organizations need AI-based defenses to defeat AI-based attacks. Together, our solutions offer full lifecycle account protection to help prevent sophisticated fraud, including deepfakes and account takeover. \u201D'}),/*#__PURE__*/e(\"h3\",{children:\"About Oscilar:\"}),/*#__PURE__*/e(\"p\",{children:\"Oscilar, the leading provider of transformative AI-powered risk management solutions, empowers institutions to manage onboarding, credit, fraud, and compliance risks. At the heart of Oscilar\u2019s offerings is an AI-powered risk decisioning platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, and money laundering activities, as well as, optimize credit assessments. By leveraging advanced analytics, Oscilar enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Renowned globally for innovation and excellence, Oscilar\u2019s team of data scientists, risk management experts, and technology professionals continually push the boundaries of decision intelligence, helping a broad array of organizations, including banks, credit unions, and fintech companies, navigate complex risk landscapes with confidence.\"}),/*#__PURE__*/e(\"h3\",{children:\"About Jumio:\"}),/*#__PURE__*/e(\"p\",{children:\"Jumio helps organizations to know and trust their customers online. From account opening to ongoing monitoring, the Jumio platform provides advanced identity verification, risk signals and compliance solutions that help you accurately establish, maintain and reassert trust.\"}),/*#__PURE__*/e(\"p\",{children:\"Leveraging powerful technology including automation, biometrics, AI/machine learning, liveness detection and no-code orchestration with hundreds of data sources, Jumio helps you fight fraud and financial crime, onboard good customers faster and meet regulatory compliance including KYC and AML. Jumio has processed more than 1 billion transactions spanning over 200 countries and territories from real-time web and mobile transactions.\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Sunnyvale, Jumio operates globally with offices and representation in North America, Latin America, Europe, Asia Pacific and the Middle East and has been the recipient of numerous awards for innovation. Jumio is backed by Centana Growth Partners, Great Hill Partners and Millennium Technology Value Partners.\"}),/*#__PURE__*/i(\"p\",{children:[\"For more information, please visit \",/*#__PURE__*/e(n,{href:\"http://www.jumio.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"www.jumio.com\"})}),\".\"]})]});export const richText3=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Over the past decade, technological advancements have dramatically reshaped the landscape of digital business and fraud prevention. While these new tools have enhanced customer experiences through seamless digital interactions and embedded finance solutions, they've simultaneously armed fraudsters with more sophisticated means of attack. This has created a complex environment where businesses must balance innovation with robust security measures.\"}),/*#__PURE__*/e(\"p\",{children:\"Three types of attacks that have become increasingly mainstream due to the proliferation of advanced tools:\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(13, 13, 13)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Account Takeover (ATO)\"}),\": Sophisticated bots and AI-powered tools have made ATO attempts more frequent and harder to detect. These attacks can now mimic legitimate user behavior with alarming accuracy.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(13, 13, 13)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"First-Party Fraud\"}),\": Advanced data manipulation techniques allow fraudsters to create more convincing fake identities or misrepresent information, making this type of fraud more prevalent and challenging to spot.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(13, 13, 13)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Payment Fraud\"}),\": As digital payment methods evolve, so do scams. AI-driven tools can now exploit vulnerabilities in payment systems with greater speed and precision.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"The democratization of these attack tools means that even low-level fraudsters can now execute sophisticated schemes that were once the domain of highly skilled cybercriminals. This shift has significantly increased the volume and variety of fraud attempts businesses face daily.\"}),/*#__PURE__*/e(\"p\",{children:\"However, many existing fraud prevention tools are failing to keep pace with these rapid advancements. Traditional, siloed approaches to fraud detection often rely on outdated rule-based systems or manual reviews. These methods are not only resource-intensive and slow but also increasingly ineffective against the new wave of AI-powered fraud attempts. False positives remain a significant issue, leading to poor customer experiences and lost revenue opportunities.\"}),/*#__PURE__*/e(\"p\",{children:\"As businesses continue to digitize their operations and offer innovative products, the risk of fraud looms larger than ever. The advent of Generative AI (GenAI) further complicates this landscape, enabling both malicious actors and legitimate users in ways that create new challenges for risk management.\"}),/*#__PURE__*/e(\"p\",{children:\"Given these evolving challenges, it's clear that a new approach to fraud prevention is needed \u2013 one that can harness the power of advanced technologies to protect businesses while maintaining a seamless customer experience. This is where a unified AI Risk Decisioning platform comes into play, offering a comprehensive solution to the complex fraud landscape of today and tomorrow.\"}),/*#__PURE__*/i(\"p\",{children:[\"At \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\", we've \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/about\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"dedicated years\"})}),\" to mastering the complexities of \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/solutions/fraud-detection\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"fraud prevention \"})}),\"and risk management across diverse industries. Our expertise is grounded in a deep understanding of digital security and the development of cutting-edge technologies designed to safeguard businesses. By leveraging data analytics and machine learning, we\u2019ve helped many \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/case-studies\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"organizations\"})}),\" fortify their defenses against an ever-evolving threat landscape.\"]}),/*#__PURE__*/e(\"p\",{children:\"In this article, we\u2019ll explore how a unified AI Risk Decisioning platform can transform your approach to fraud prevention. You'll discover how integrating customer data into a single platform not only enhances visibility but also bolsters your ability to preempt and respond to fraud. We'll guide you through actionable steps to implement this powerful tool, ensuring that your business is equipped to tackle modern fraud challenges effectively and efficiently.\"}),/*#__PURE__*/e(\"h2\",{children:\"Enhancing Fraud Prevention with Unified AI Risk Decisioning\"}),/*#__PURE__*/e(\"p\",{children:\"Fraudulent activities have evolved significantly, becoming more sophisticated as technology advances. Traditional methods of fraud detection, which often involve siloed decision-making systems and manual intervention, are proving inadequate. These methods are not only resource-intensive but also slow, and they fail to keep up with the rapid pace at which fraudsters operate.\"}),/*#__PURE__*/e(\"h3\",{children:\"A Unified Approach to Understanding Fraud\"}),/*#__PURE__*/e(\"p\",{children:\"An unified AI Risk Decisioning platform that assesses risk across the entire customer journey enhances the ability to detect these varied fraud types by integrating and analyzing data from all customer interactions. This holistic approach allows for the identification of anomalies and patterns that are indicative of fraudulent activity.\"}),/*#__PURE__*/e(\"h3\",{children:\"The Power of a Single Customer View\"}),/*#__PURE__*/e(\"p\",{children:\"The integration of customer data onto a single platform does more than simplify operations\u2014it provides strategic advantages that are crucial for real-time fraud detection:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced Detection Capabilities\"}),\": The ability to process and analyze data in real time significantly boosts the detection of fraudulent activities.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Reduced Response Times\"}),\": A unified view facilitates quicker, more effective decision-making, drastically reducing the window during which fraudsters can operate.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-Time Detection and Response\"}),\": With integrated data, the platform can analyze transactions in real time, allowing for immediate detection of suspicious activities and quick action to prevent fraud.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced AI\"}),\": Leveraging machine learning and artificial intelligence, the platform can learn from past incidents and adjust its risk models to better predict and prevent future fraud.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Cost Efficiency\"}),\": By automating many aspects of fraud detection and relying less on manual reviews, businesses can reduce operational costs significantly.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"135\",src:\"https://framerusercontent.com/images/CmIWlvPizZzm95ZxULyLVfzKN9A.png\",style:{aspectRatio:\"512 / 271\"},width:\"256\"}),/*#__PURE__*/e(\"p\",{children:\"The evolving landscape of fraud demands a sophisticated approach to prevention. A unified AI Risk Decisioning platform offers a comprehensive solution by consolidating 1st party data, 3rd party data integrations,\\xa0 AI-powered case management, advanced risk workflows, and state-of-the-art machine learning into a single system. Let's explore how this unified approach transforms fraud prevention:\"}),/*#__PURE__*/e(\"h3\",{children:\"Data Integration and Orchestration\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Holistic Data View\"}),\": Fighting fraud without comprehensive data is like a fish out of water. A unified platform consolidates diverse data sources, includingKYC onboarding, transaction history, device and behavioral real-time data, and much more.This comprehensive array of data sources provides a complete view of each customer's risk profile.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-time Analysis\"}),\": The power of a unified platform lies in its ability to process data in real-time. It can ingest various types of data, compute real-time features, serve these signals to the model for immediate decision-making, and connect to different systems seamlessly.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Dynamic Rule Creation\"}),': The concept of \"flash fraud rules\" - temporary rules that can be quickly implemented and adjusted based on emerging fraud patterns - is crucial in today\\'s fast-paced fraud landscape. A unified platform allows for the creation and modification of these rules in real-time.']})})]}),/*#__PURE__*/e(\"h3\",{children:\"Advanced AI and Machine Learning\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Generative AI for Fraud Simulation\"}),\": Generative AI capabilities revolutionize fraud prevention by simulating both fraudulent and non-fraudulent behaviors. This proactive approach helps in preempting and mitigating advanced fraud schemes, including those powered by AI-driven tools used by fraudsters.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"AI-Powered Investigation\"}),': The platform can act as an \"AI copilot,\" automatically analyzing cases, generating summaries, and suggesting actions. This significantly reduces the manual effort required in fraud investigation and allows human analysts to focus on decision-making rather than data gathering.']})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Automated Feature Engineering\"}),\": The system can automatically create and test new features for fraud detection models, reducing the need for manual data science work and allowing for quicker adaptation to new fraud patterns.\"]})})]}),/*#__PURE__*/e(\"h3\",{children:\"Oscilar: The Most Advanced AI Risk Decisioning Platform\"}),/*#__PURE__*/e(\"p\",{children:\"A unified AI Risk Decisioning platform like Oscilar empowers fintechs and banks to tackle the complex challenges of fraud prevention.\"}),/*#__PURE__*/e(\"p\",{children:\"By integrating customer data from various sources, this platform provides a holistic view of customer activities, enabling real-time analysis and decision-making.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"This comprehensive approach significantly enhances the effectiveness of fraud detection across different channels and touchpoints, helping financial institutions safeguard their revenue, reputation, and customer trust.\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced AI and Machine Learning\"}),\": The platform harnesses the power of cutting-edge AI and machine learning technologies to process and analyze vast amounts of data in real-time. This enables fintechs and banks to detect patterns and anomalies indicative of fraudulent activities, adapting to new and evolving fraud tactics as they emerge. By leveraging these advanced technologies, financial institutions can stay one step ahead of sophisticated fraud schemes, protecting their assets and customers.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Generative AI for Fraud Prevention\"}),\": Generative AI capabilities revolutionize fraud prevention by simulating both fraudulent and non-fraudulent behaviors. This proactive approach continuously improves the accuracy and efficiency of detection algorithms, empowering fintechs and banks to preempt and mitigate even the most advanced fraud schemes, including those powered by AI-driven tools used by fraudsters. By harnessing the power of Generative AI, financial institutions can fortify their defenses against ever-evolving threats.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Scalable and Cost-Effective\"}),\": A unified AI Risk Decisioning platform like Oscilar is designed to scale according to the needs and budget constraints of fintechs and banks of all sizes. This flexibility ensures that financial institutions can access powerful fraud prevention capabilities without substantial upfront investments, making it a cost-effective solution for enhancing their risk management strategies. By implementing this platform, fintechs and banks can strengthen their fraud prevention measures while maintaining a focus on growth and innovation.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Compliance and Data Protection\"}),\": The platform is built to comply with major data protection regulations, such as SOC 2 Type II, GDPR and CCPA, incorporating robust security measures to safeguard sensitive customer information. This helps fintechs and banks maintain compliance with industry-specific standards and local regulations, ensuring the protection of customer data and mitigating the risk of regulatory penalties. The commitment to compliance and data protection allows financial institutions to operate with confidence in an increasingly regulated environment.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Seamless Integration and Implementation\"}),\": A team of experts works closely with fintechs and banks to ensure a seamless integration of the unified AI Risk Decisioning platform with their existing IT systems. This minimizes disruption to ongoing operations and facilitates a smooth transition to enhanced fraud prevention capabilities. Additionally, comprehensive training and support help staff effectively leverage the platform's features and adapt internal processes, enabling financial institutions to maximize the benefits of the unified approach.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"How Oscilar Can Help\"}),/*#__PURE__*/i(\"p\",{children:[\"Ready to revolutionize your fraud decision-making with cutting-edge AI? Take the first step towards enhanced fraud detection, reduced false positives, and improved operational efficiency with Oscilar's \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/solutions/fraud-detection\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Generative AI for Fraud Prevention\"})}),\".\\xa0\"]}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://www.about-fraud.com/webinars/fight-fraud-10x/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Watch the full webinar\"})}),\" hosted by About Fraud\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[\"Join the\",/*#__PURE__*/e(n,{href:\"https://oscilar.com/riskcon/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" RiskCon Community\"})}),\" to be part of the largest group of experts in risk, credit underwriting, and fraud prevention.\\xa0\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Sign up for the best newsletter in the Risk & Fraud management space below\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[\"Or by \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/demo-form\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"booking a demo\"})}),\" directly to see Oscilar in action\"]})})]})]});export const richText4=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Leader in AI-powered risk decisioning, Oscilar brings cutting-edge fraud prevention, credit decisioning, and AML compliance solutions to the AFC's roster of innovative fintech companies\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"em\",{children:\"Oscilar joins a dynamic group of industry leaders committed to promoting responsible innovation, enhancing financial inclusion, and maintaining robust consumer protection standards\"})}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Palo Alto, CA (August 7, 2024)\"}),\" \u2013 The American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, today announced the addition of Oscilar as its newest member.\\xa0\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar, the developer of a groundbreaking no-code, AI-powered Risk Decisioning Platform, is revolutionizing how financial institutions manage fraud, credit, and compliance risks. They will join a rapidly growing group of responsible innovators collaborating to serve consumers while maintaining the highest standards of safety and security.\"}),/*#__PURE__*/i(\"p\",{children:['\"In today\\'s rapidly evolving financial landscape, the ability to make accurate, real-time risk decisions is crucial for both protecting consumers and fostering innovation,\" said ',/*#__PURE__*/e(\"strong\",{children:\"Phil Goldfeder, Chief Executive Officer of the American Fintech Council\"}),'. \"Oscilar\\'s AI-powered platform is transforming how financial institutions approach risk management, from fraud prevention and credit decisioning to AML compliance. We are thrilled to welcome Neha Narkhede and her team, adding their innovative voices to our collective effort in shaping the future of finance.\"']}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's comprehensive platform enables fintech companies, banks, and financial institutions to automate and enhance their risk decisioning processes across multiple domains. Their solution integrates fraud detection, credit decisioning, and AML compliance into a unified, no-code risk platform, allowing risk teams to create and modify decisioning workflows without relying on engineering resources.\"}),/*#__PURE__*/i(\"p\",{children:['\"At Oscilar, we\\'re committed to providing financial institutions with the tools they need to make smarter, faster risk decisions,\" said ',/*#__PURE__*/e(\"strong\",{children:\"Neha Narkhede, CEO and Co-founder of Oscilar\"}),'.\"Our platform leverages advanced AI and machine learning to analyze vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. By joining the American Fintech Council, we look forward to collaborating with other industry leaders to promote responsible innovation and help shape policies that will drive the fintech industry forward.\"']}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's cutting-edge features include real-time transaction monitoring, automated KYC/KYB processes, account takeover prevention, and AI-powered AML risk management for both fintechs and sponsor banks. The platform's ability to integrate hundreds of data sources through a single API and its use of generative AI for case analysis and reporting set it apart in the industry.\"}),/*#__PURE__*/e(\"p\",{children:\"A standards-based organization, AFC is the premier trade association representing the largest financial technology (Fintech) companies and innovative BaaS banks. AFC\u2019s mission is to promote a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About Oscilar\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar is the leading provider of AI-powered risk management solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI-powered risk decisioning platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, and LinkedIn, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves abroad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"})]});export const richText5=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"TransPecos Banks, an innovative Texas-based community bank, has selected Oscilar's innovative AI-Powered AML Risk Platform to transform its compliance and risk management capabilities. This strategic partnership will leverage the latest technology to capitalize on growth opportunities in TransPecos Banks' fintech programs while ensuring robust regulatory compliance. Upon implementation of Oscilar's solution, TransPecos Banks will be well-positioned to scale its BaaS offerings efficiently and securely.\"}),/*#__PURE__*/e(\"p\",{children:\"The rise of Banking-as-a-Service (BaaS) has intensified regulatory scrutiny, especially regarding Anti-Money Laundering (AML) compliance. Traditional AML tools struggle with fragmented workflows, manual reporting, and scalability issues, often failing to provide a unified view of fintech activities.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"TransPecos Banks determined that to properly support multiple fintech partners it had to implement\\xa0 a robust but manageable compliance infrastructure. Utilizing Oscilar\u2019s Platform will allow TransPecos to overcome common challenges of siloed data, limited visibility into partner activities, and manual processes. It now is able to scale safely, securely and with clear visibility and customer deposit records. TransPecos sought a solution enabling controlled growth while maintaining strict regulatory compliance. They needed a system to enhance their operations, support staff in managing partnerships effectively, and keep regulatory requirements at the forefront of their expansion strategy, all without dramatically increasing headcount.\"}),/*#__PURE__*/e(\"p\",{children:\"\\\"We were extremely impressed by Oscilar's capabilities from the moment we saw them. Their technology presented exactly what we needed in-house to support our growth ambitions while maintaining control. What really impressed us was Oscilar's agility and adaptability. The ability to enhance and refine our processes quickly, especially in monitoring, is crucial. With Oscilar, we can update rules and implement changes faster than with any other platform we've seen. This responsiveness is invaluable, particularly when it comes to adapting to new regulations. Oscilar is a fintech company doing things the right way, giving us the tools we need to grow confidently in this rapidly changing space.\\\" \u2013 Michael Kozub, CEO, TransPecos Banks\\xa0\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Oscilar's AI-Powered AML Risk Platform emerged as the ideal solution, offering\"}),\":\"]}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"A centralized Mission Control Dashboard providing a portfolio view of all fintech workflows and KPI metrics\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"AI-driven case management with automated SAR and UAR filing capabilities\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Advanced ML and GenAI-powered detection for complex risky transactions\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"Customizable workflows for various fintech products (credit, debit, account opening, etc.)\"})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"1372\",src:\"https://framerusercontent.com/images/j6ooaztq6zpiatnx7fS3143yA.png\",style:{aspectRatio:\"5136 / 2745\"},width:\"2568\"}),/*#__PURE__*/e(\"p\",{children:'Neha Narkhede, CEO and Co-Founder, Oscilar, said: \"Our partnership with TransPecos Banks marks a pivotal moment in BaaS compliance. We recognize the unique challenges TransPecos faces as they scale their fintech partners, each with distinct risk profiles. Our collaboration enables TransPecos Banks to redefine compliance in the BaaS space. Our AI-powered AML Risk Decisioning Platform will help TransPecos centralize oversight across their diverse fintech portfolio for all products, from credit and debit to account opening. This approach will not only streamline their operations but position them to meet evolving regulatory expectations with confidence. Together, we\\'re setting a new standard for how banks can innovate and scale in the fintech ecosystem while maintaining the highest compliance standards.\"'}),/*#__PURE__*/e(\"p\",{children:\"The implementation of Oscilar's platform is expected to deliver significant benefits to TransPecos, including:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"$3M+ Annual Cost Savings\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"40% Reduction in the cost of AML Operations: Fewer false positive alerts with custom fintech workflows & alert models\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"70% Reduction in Alert Review & Case Investigation: Streamlined with single view of customer data, AML risk, AI case summaries, and automatic evidence collection\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"80% Reduction in SAR Management Time: With SAR auto-fill, AI SAR narratives, and 1-click e-filing\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/e(\"p\",{children:\"\\xa0Efficiently scale technical and services FTEs over BaaS partner programs\"})})]}),/*#__PURE__*/e(\"p\",{children:\"This collaboration between TransPecos Banks and Oscilar marks a pivotal moment in BaaS compliance and risk management in the rapidly evolving fintech ecosystem.\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About Oscilar\"}),\": Oscilar, the leading provider of transformative AI-powered risk management solutions, empowers institutions to manage onboarding, credit, fraud, and compliance risks. At the heart of Oscilar's offerings is an AI-powered risk decisioning platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, and money laundering activities, as well as, optimize credit assessments. By leveraging advanced analytics, Oscilar enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Renowned globally for innovation and excellence, Oscilar's team of data scientists, risk management experts, and technology professionals continually push the boundaries of decision intelligence, helping a broad array of organizations, including banks, credit unions, and fintech companies, navigate complex risk landscapes with confidence.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(n,{href:\"https://www.prnewswire.com/news-releases/transpecos-banks-to-drive-3m-in-cost-savings-by-adopting-oscilars-ai-powered-aml-risk-platform-for-baas-compliance-302211056.html?tc=eml_cleartime\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Read the announcement on PR Newswire\"})})})]});export const richText6=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"h2\",{children:\"The Rise of ACH and the Looming Threat of Fraud\"}),/*#__PURE__*/e(\"p\",{children:\"The Automated Clearing House (ACH) network has become the cornerstone of the modern financial ecosystem, enabling a wide array of essential transactions, including payroll processing, bill payments, online purchases, peer-to-peer transfers, and business-to-business settlements. \"}),/*#__PURE__*/i(\"p\",{children:[\"As the digital economy continues to expand, the ACH network has experienced unprecedented growth, processing a staggering 8.2 billion payments in the first quarter of 2024 alone. This growth is further accelerated by the \",/*#__PURE__*/e(n,{href:\"https://www.nacha.org/news/same-day-ach-and-b2b-propel-ach-network-growth-first-quarter#:~:text=HERNDON%2C%20Virginia%2C%20April%2023%2C,payments%20in%20the%20first%20quarter.\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"47% increase in Same-Day ACH volume\"})}),\", allowing for faster transaction settlement. However, this rapid growth and the increased speed of transactions pose significant challenges to fraud detection and prevention efforts, as fraudsters continually adapt their tactics to exploit vulnerabilities in the system.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/e(\"img\",{alt:\"graphic showing the ACH digital landscape\",className:\"framer-image\",height:\"529\",src:\"https://framerusercontent.com/images/WkRt7WKLBDbZYC9H5KxFG279Hw8.jpg\",style:{aspectRatio:\"2827 / 1058\"},width:\"1413\"}),/*#__PURE__*/i(\"h2\",{children:[/*#__PURE__*/e(\"br\",{}),\"Digitization Trends and the Rise of Embedded Finance: A Double-Edged Sword\"]}),/*#__PURE__*/e(\"p\",{children:\"The rapid growth of the ACH network can be attributed to the widespread adoption of digital experiences and the rise of integrated payment solutions. Traditional financial institutions and fintech companies have revolutionized the financial landscape by offering innovative, user-friendly, and accessible financial services. These advancements have made transactions easier for consumers and businesses, contributing to the ACH network's exponential growth.\"}),/*#__PURE__*/e(\"p\",{children:\"Embedded finance, in particular, has gained traction by seamlessly integrating financial services into non-financial platforms. This enhances customer experiences and fosters financial inclusion. For example, ride-sharing apps offering in-app payment solutions, e-commerce platforms providing instant credit options, or social media platforms enabling peer-to-peer payments are prime examples of how embedded finance is transforming financial interactions. The convenience and accessibility of these services drive more users to adopt digital payment methods, further boosting the volume of ACH transactions.\"}),/*#__PURE__*/e(\"p\",{children:\"However, this remarkable growth has not gone unnoticed by fraudsters. As the volume and velocity of ACH transactions increase, so does the complexity and sophistication of fraudulent schemes. The increased adoption of digital payment methods directly correlates to the increased risk of ACH fraud, as cybercriminals continuously develop new techniques to exploit vulnerabilities within the ACH system, posing significant risks to financial institutions, businesses, and consumers alike. The need for advanced fraud detection and prevention mechanisms has never been more critical.\"}),/*#__PURE__*/e(\"p\",{children:\"In this article, we will explore the various types of ACH fraud, the reasons why current solutions often fall short, and how Oscilar's ACH Fraud Detection Product offers a robust solution to these pressing challenges.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Current State of ACH Fraud: An Evolving Threat Landscape\"}),/*#__PURE__*/e(\"p\",{children:\"The exponential growth of the ACH network, while beneficial for the digital economy, has also led to a surge in fraud. Several key dynamics are contributing to this increase: The attacker ecosystem has evolved dramatically with the advent of automation tools and GenAI-enabled technologies. These advancements have made sophisticated attack methods more accessible and scalable, allowing cybercriminals to target vulnerabilities across multiple platforms efficiently. Organized crime networks leverage social platforms like Telegram and Discord to share strategies and tools, further enhancing their reach and impact.\"}),/*#__PURE__*/e(\"h3\",{children:\"Key Factors Driving Increased ACH Fraud: A Closer Look\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Increased Transaction Volumes\"}),\": The surge in ACH transaction volumes provides fraudsters with more opportunities to exploit the system. As the number of transactions grows, it becomes increasingly challenging to monitor and detect fraudulent activities effectively.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Expanded Surface Area\"}),\": The integration of payments into a wide range of digital experiences has created more touchpoints where vulnerabilities can be exploited. Each new integration presents potential gaps that fraudsters can target, making it harder to secure the entire payment ecosystem.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advancements in Generative AI\"}),\": The advent of generative AI has made fraud tactics more sophisticated and harder to detect. Fraudsters can now create deepfake videos, audio, and convincingly responsive content to deceive victims and evade detection systems that rely on traditional fraud indicators.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Organized Crime on Social Platforms\"}),\": Social platforms like Telegram and Discord have become hotbeds for organized crime, enabling fraudsters to share strategies, tools, and stolen data. This collaboration enhances their ability to execute large-scale fraud operations and adapt quickly to new fraud prevention measures.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Automation of Attacks\"}),\": Fraudsters employ automation tools such as bots, scripts, and obfuscation technologies to carry out fraud at scale. These tools can automate breaches, perform rapid attacks, and evade detection with increasing efficiency, making it challenging for traditional fraud prevention systems to keep pace.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rise in Social Engineering and Scams\"}),\": Social engineering tactics exploit human psychology to deceive individuals into divulging sensitive information or authorizing fraudulent transactions. As these tactics become more sophisticated, they become harder to detect and prevent using conventional fraud detection methods.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Proliferation of Fintech and Banking Services\"}),\": The emergence of new fintech platforms that allow users to open multiple accounts seamlessly, sometimes without stringent verification processes, can be exploited for fraudulent purposes. Fraudsters can validate themselves across multiple services and abuse the system for personal gain, making it difficult to track and prevent their activities.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})})]}),/*#__PURE__*/e(\"img\",{alt:\"the key factors driving the growth of ACH fraud\",className:\"framer-image\",height:\"529\",src:\"https://framerusercontent.com/images/Wr09Xj0NofDV5nyZBYryORgrPw.jpg\",style:{aspectRatio:\"2827 / 1058\"},width:\"1413\"}),/*#__PURE__*/i(\"h3\",{children:[/*#__PURE__*/e(\"br\",{}),\"ACH Fraud Types in the Digital-First and GenAI-Enabled World: A Complex Landscape\"]}),/*#__PURE__*/e(\"p\",{children:\"ACH fraud types have become increasingly complicated in this digital-first and GenAI-enabled world. The sophistication and variety of fraudulent schemes present significant challenges for traditional detection methods. Here are some of the most prevalent types of ACH fraud today:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"First-Party Fraud\"}),\": This type of fraud occurs when customers intentionally initiate ACH transactions with insufficient funds or falsely claim they didn't authorize payments, exploiting the ACH system for personal gain. Detecting first-party fraud is challenging as it involves legitimate account holders, making it difficult to distinguish between genuine and fraudulent transactions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Account Takeover\"}),\": Fraudsters use compromised device IDs and behavioral patterns to access banking app accounts and initiate unauthorized transactions. This type of fraud poses significant financial risks for account holders and is difficult to prevent due to the use of legitimate credentials, which can bypass traditional security measures.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Stolen Account Details\"}),\": Fraudsters use stolen credentials to perform unauthorized ACH transactions outside the banking app, posing a severe threat to financial institutions. These transactions often appear legitimate, as they originate from valid accounts, making them challenging to detect using standard security checks.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Scams\"}),\": Fraudulent schemes manipulate transaction patterns, notes, and recipient information to deceive customers and initiate unauthorized ACH transactions. The dynamic nature of these scams makes them difficult to detect with static rule-based systems, as they constantly evolve to evade detection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Business Email Compromise (BEC)\"}),\": In BEC scams, fraudsters impersonate vendors or executives to trick companies into making ACH payments to fraudulent accounts. The convincing nature of these deceptions often results in substantial financial losses, as employees may not recognize the fraudulent nature of the request.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Money Mules\"}),\": Money mules are accounts used to receive and transfer fraudulent funds, often as part of larger criminal networks. Detecting money mule activities is challenging, as these transactions may appear legitimate unless analyzed in a broader context and across multiple institutions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"ACH Check Kiting\"}),\": In check kiting schemes, criminals exploit the clearing house process by moving money between accounts at different banks, creating the illusion of available funds. Detecting check kiting requires analyzing the timing and sequence of transactions across multiple institutions, making it difficult for individual banks to identify.\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Current Fraud Tools Fall Short: The Limitations of Traditional ACH Fraud Detection\"}),/*#__PURE__*/e(\"p\",{children:\"While many fraud detection vendors offer solutions for ACH fraud, these traditional approaches often fall short in effectively combating the evolving and sophisticated nature of fraudulent activities. Here are some key reasons why current fraud vendors may not be the best choice for ACH fraud detection:\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Overreliance on Rule-Based Systems\"}),\": Many fraud vendors heavily rely on static rule-based systems that fail to adapt to new and emerging fraud patterns. These rules are often based on historical data and known fraud scenarios, making them less effective in detecting novel fraud techniques. Fraudsters continuously innovate and find ways to circumvent these static rules, rendering them obsolete over time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Lack of Real-Time Data Analysis\"}),\": ACH fraud detection requires real-time analysis of vast amounts of data across multiple channels and systems. However, many fraud vendors struggle to process and analyze data in real-time, leading to delayed fraud detection and response. This limitation allows fraudsters to exploit the time gap between the execution of a fraudulent transaction and its detection, making it harder to prevent financial losses.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Siloed Data and Limited Integration\"}),\": Effective ACH fraud detection requires a holistic view of customer activity across various channels and systems. Unfortunately, many fraud vendors operate with siloed data and limited integration capabilities. This fragmented approach hinders the ability to identify suspicious patterns and anomalies that span multiple channels, making it easier for fraudsters to evade detection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Insufficient Behavioral Analysis\"}),\": Detecting sophisticated ACH fraud schemes often requires analyzing user behavior and identifying anomalies in transaction patterns. However, traditional fraud vendors may not have the advanced behavioral analysis capabilities needed to detect subtle deviations from normal user behavior. This limitation allows fraudsters to impersonate legitimate users and carry out fraudulent activities without triggering alerts.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Lack of Explainable AI\"}),\": As fraud detection solutions increasingly leverage artificial intelligence and machine learning, the transparency and explainability of these models become crucial. Many current fraud vendors use 'black box' AI models that lack clear explanations for why a particular transaction is flagged as fraudulent. This lack of transparency can lead to false positives, customer frustration, and difficulty in meeting regulatory requirements.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Limited Customization and Scalability\"}),\": ACH fraud detection requirements can vary significantly across different financial institutions and fintech companies. Current fraud vendors often offer one-size-fits-all solutions that lack the flexibility to adapt to specific business needs and risk profiles. Additionally, these solutions may struggle to scale effectively as transaction volumes and complexity increase, leading to performance bottlenecks and increased false positives.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Slow Adoption of Emerging Technologies\"}),\": The rapidly evolving nature of ACH fraud requires frequent updates and enhancements to fraud detection systems. However, many traditional fraud vendors may be slow to adopt emerging technologies such as generative AI, cross-institutional data sharing, and real-time transaction scoring. This lag in innovation leaves financial institutions vulnerable to new and sophisticated fraud tactics.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"High Operational Costs and False Positive Rates\"}),\": Outdated fraud detection tools often lead to increased operational costs due to the need for manual reviews and investigations. Moreover, these tools often generate high false positive rates, where legitimate transactions are incorrectly flagged as fraudulent. This not only frustrates customers but also leads to potential loss of business, as customers may take their business elsewhere due to the inconvenience caused by false positives.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"To effectively combat ACH fraud, financial institutions and fintech companies need to look beyond traditional fraud vendors and adopt advanced solutions that leverage real-time data analysis, behavioral profiling, explainable AI, and cross-institutional collaboration. These solutions should be flexible, scalable, and able to adapt quickly to the ever-changing fraud landscape, providing a more comprehensive and effective approach to ACH fraud detection and prevention.\"}),/*#__PURE__*/e(\"img\",{alt:\"the ACH customer journey\",className:\"framer-image\",height:\"607\",src:\"https://framerusercontent.com/images/p8PC7p46Xs9j8d60Pdc29AcKgM.jpg\",style:{aspectRatio:\"2780 / 1215\"},width:\"1390\"}),/*#__PURE__*/e(\"h2\",{children:\"Oscilar: The Future of ACH Fraud Detection and Prevention\"}),/*#__PURE__*/e(\"p\",{children:\"As the Chief Product Officer of Oscilar, I am proud to share how our AI Risk Decisioning Platform addresses the pressing challenges of ACH fraud with advanced, real-time solutions. Oscilar leverages cutting-edge technology and innovative approaches to provide a comprehensive defense against the evolving landscape of financial crime.\"}),/*#__PURE__*/e(\"img\",{alt:\"Oscilar's AI-powered ACH fraud prevention platform\",className:\"framer-image\",height:\"1372\",src:\"https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png\",srcSet:\"https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png?scale-down-to=512 512w,https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png?scale-down-to=4096 4096w,https://framerusercontent.com/images/yMUkdnMmOyfOpCyAjyJUN5I4fE.png 5136w\",style:{aspectRatio:\"5136 / 2745\"},width:\"2568\"}),/*#__PURE__*/e(\"h3\",{children:\"Real-time ACH Workflow Orchestration: Stopping Fraud in Its Tracks\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Data Analysis\"}),\": Oscilar collects and analyzes multiple data points in real-time, including open banking data, creating a rich and comprehensive dataset. By leveraging advanced data analysis techniques, we can quickly and accurately detect anomalies and suspicious patterns indicative of first-party fraud, second-party fraud, or third-party fraud.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Behavioral Profiling\"}),\": Our platform employs highly dimensional feature engineering to develop detailed behavioral profiles across every data attribute. This allows us to identify unusual activities that may signal fraud, even when they mimic legitimate user behavior. By continuously learning and adapting to new patterns, Oscilar stays ahead of the curve in detecting sophisticated fraud schemes.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Digital Identity\"}),\": Oscilar monitors device IDs and behavioral biometrics and patterns to detect account takeovers and fraudulent ACH transactions initiated from compromised banking app accounts. By analyzing user behavior and device characteristics in real-time, we can protect customers' funds from unauthorized access and prevent fraudulent transactions before they occur.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Integration with MFA and Other Systems\"}),\": Oscilar seamlessly integrates with Multi-Factor Authentication (MFA) and other security systems. By testing performance and orchestrating real-time decisions, we ensure that every transaction is evaluated accurately and efficiently. This integration enables us to provide a comprehensive and unified fraud prevention solution that adapts to the unique needs of each financial institution.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"Oscilar's ACH Fraud workflow creation process\",className:\"framer-image\",height:\"1620\",src:\"https://framerusercontent.com/images/QbPhzjCaHNz9EOKMDt3rg7exZ2M.png\",srcSet:\"https://framerusercontent.com/images/QbPhzjCaHNz9EOKMDt3rg7exZ2M.png?scale-down-to=512 512w,https://framerusercontent.com/images/QbPhzjCaHNz9EOKMDt3rg7exZ2M.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/QbPhzjCaHNz9EOKMDt3rg7exZ2M.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/QbPhzjCaHNz9EOKMDt3rg7exZ2M.png 3312w\",style:{aspectRatio:\"3312 / 3240\"},width:\"1656\"}),/*#__PURE__*/e(\"h3\",{children:\"Leveraging Applied ML for Enhanced Fraud Detection & Investigation: Outsmarting the Fraudsters\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Hybrid AI Approach\"}),\": Oscilar uses a hybrid AI approach that combines supervised, unsupervised, and generative AI techniques, along with data intelligence and intelligent rules. This multifaceted approach enhances our ability to detect and respond to ACH fraud originating from scams, Business Email Compromise, or ACH kiting. By leveraging the strengths of each AI technique, we can identify complex fraud patterns and adapt to new fraud tactics in real-time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Intelligent Alert Prioritization\"}),\": By leveraging machine learning and big data analytics, Oscilar identifies unique ACH risks and prioritizes essential alerts. This minimizes false positives and ensures that critical threats are addressed promptly. Our intelligent alert prioritization system continuously learns from feedback and adapts to new fraud patterns, ensuring that our fraud detection remains effective and efficient.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced Network Analysis\"}),\": Our platform utilizes graph analysis for entity link analysis, point of compromise identification, and complex user and money flow analysis. This helps in understanding and disrupting sophisticated fraud networks, mule behaviors, or synthetic IDs and stolen data used for committing ACH fraud. By uncovering hidden connections and identifying key players in fraud networks, Oscilar enables financial institutions to take proactive measures to prevent fraud losses.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Explainable and Fair AI\"}),\": Oscilar ensures AI explainability, fairness, and governance through rigorous controls and human oversight. This transparency builds trust and allows for effective regulatory compliance. By providing clear explanations for why a transaction is flagged as fraudulent, we empower fraud analysts to make informed decisions and reduce false positives. Our commitment to fair and unbiased AI ensures that our fraud detection system treats all customers equally and protects against discriminatory practices.\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"Oscilar's ACH fraud prevention platform\",className:\"framer-image\",height:\"961\",src:\"https://framerusercontent.com/images/fsv8FzX9PpjQGlx5Cc6cWbV8m3Q.png\",srcSet:\"https://framerusercontent.com/images/fsv8FzX9PpjQGlx5Cc6cWbV8m3Q.png?scale-down-to=512 512w,https://framerusercontent.com/images/fsv8FzX9PpjQGlx5Cc6cWbV8m3Q.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/fsv8FzX9PpjQGlx5Cc6cWbV8m3Q.png?scale-down-to=2048 2048w,https://framerusercontent.com/images/fsv8FzX9PpjQGlx5Cc6cWbV8m3Q.png 2640w\",style:{aspectRatio:\"2640 / 1923\"},width:\"1320\"}),/*#__PURE__*/e(\"h3\",{children:\"RiskOps Visibility and Control: Empowering Fraud Teams with Actionable Insights\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Unified Platform for ACH Fraud Ops Monitoring and Reporting\"}),\": Oscilar provides a unified platform for monitoring and reporting ACH fraud operations. This centralization enhances visibility and control over fraud detection and prevention efforts. By consolidating data and insights from multiple sources, our platform enables fraud teams to identify trends, patterns, and emerging threats quickly and efficiently.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-time Alerts\"}),\": Our platform generates real-time alerts, enabling proactive and automated risk operations decisions. This ensures swift responses to potential threats, minimizing the impact of fraudulent activities. By providing timely and accurate alerts, Oscilar empowers fraud teams to take immediate action and prevent fraud losses.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Omnichannel Cases\"}),\": Oscilar's dynamic case cards summarize and visualize any data, facilitating deep investigations and quick relationship analysis. This feature helps fraud analysts to make informed decisions rapidly. By presenting relevant information in a clear and concise format, our platform streamlines the investigation process and enables fraud teams to resolve cases more efficiently.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Entity View\"}),\": We bring together insights and analytics across customer touchpoints to create a single view of the customer. This holistic perspective is crucial for effective fraud detection and customer relationship management. By understanding the full context of a customer's interactions, fraud teams can identify suspicious patterns and take appropriate actions to prevent fraud and protect genuine customers.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Smart Actions\"}),\": Oscilar supports collaboration across different teams through smart actions, including escalations, queue management, smart lists, auto links, and re-triggered decisions. This enhances operational efficiency and effectiveness. 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These narratives highlight key facts, suspicious patterns, and recommended actions, enabling analysts to quickly understand the context of each case and make informed decisions. By automating the creation of case narratives, Oscilar reduces manual effort and improves the efficiency of fraud investigations.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"AI Insights\"}),\": Oscilar offers deep AI insights, helping organizations understand and anticipate fraud trends and patterns. By analyzing large volumes of data across multiple institutions and channels, our AI identifies emerging fraud tactics and provides actionable insights for proactive fraud prevention. These insights enable financial institutions to stay ahead of fraudsters and adapt their fraud prevention strategies in real-time.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})})]}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/v8JWtEJUFmZCWrzBPMvqLdfo7j4.mp4\"}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/IbjIdj9V1s6eO0huAKFntLaxw.mp4\"}),/*#__PURE__*/i(\"h3\",{children:[/*#__PURE__*/e(\"br\",{}),\"Oscilar - Your Trusted Partner in the Fight Against ACH Fraud\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's ACH Fraud Detection Product is designed to tackle the most sophisticated and evolving fraud challenges. By leveraging real-time data analysis, advanced machine learning, and comprehensive risk operations management, we provide robust and adaptive solutions to protect financial institutions, businesses, and consumers. Our commitment to innovation, transparency, and operational excellence ensures that we stay ahead of fraudsters and safeguard the integrity of the ACH network.\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[\"See our AI-powered ACH Fraud Detection solution \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/solutions/ach\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"solution page\"})})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[\"Read the AI-powered ACH Fraud Detection solution \",/*#__PURE__*/e(n,{href:\"https://www.prnewswire.com/news-releases/oscilar-launches-groundbreaking-ai-powered-ach-fraud-detection-solution-amidst-rapid-growth-in-ach-transactions-302171887.html?tc=eml_cleartime\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"press release\"})}),\" \"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"22px\",\"--framer-letter-spacing\":\"0em\",\"--framer-line-height\":\"140%\",\"--framer-text-alignment\":\"start\",\"--framer-text-color\":\"rgb(32, 55, 70)\",\"--framer-text-decoration\":\"none\",\"--framer-text-stroke-color\":\"var(--framer-text-stroke-color, initial)\",\"--framer-text-stroke-width\":\"0px\",\"--framer-text-transform\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[\"Or \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/demo-form\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!1,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"book a demo\"})}),\" directly to see Oscilar in action\"]})})]})]});export const richText7=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Oscilar, a leading decision intelligence company, is pleased to announce a strategic partnership with SentiLink, the leading provider of innovative identity and risk solutions. This collaboration marks a significant step forward in strengthening the fight against fraud and enhancing the security of digital identities.\"}),/*#__PURE__*/e(\"p\",{children:'\"Digital onboarding and credit underwriting involves carefully balancing fraud risk and customer friction,\" said Neha Narkhede, Co-Founder & CEO of Oscilar. \"The advanced identity verification intelligence provided by SentiLink combined with the power of Oscilar\\'s generative AI Risk Decisioning platform offers an unparalleled solution to streamline and increase the accuracy of digital onboarding for the first time.\"'}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Integrating Industry-Leading Technologies\"})}),/*#__PURE__*/e(\"p\",{children:\"This partnership brings together Oscilar\u2019s advanced decision intelligence platform and SentiLink\u2019s sophisticated fraud prevention solutions to help businesses improve how they manage risks and improve fraud capabilities. By leveraging SentiLink\u2019s industry-leading insights, the partnership will deliver unparalleled fraud detection capabilities to identify synthetic identities and prevent false positives.\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Key Features and Benefits of the Partnership\"}),\":\"]}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Fraud Detection\"}),\": By combining Oscilar's AI-powered risk management platform with SentiLink's cutting-edge identity verification tools, the solution offers unparalleled accuracy in identifying fraudulent transactions. The integrated system leverages machine learning models to analyze vast datasets, quickly distinguishing between legitimate and suspicious activities in real time.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Scalable and Adaptive Risk Management\"}),\": The partnership enables financial institutions to efficiently scale their fraud detection capabilities without compromising compliance. The integrated solution adapts to changing fraud patterns, ensuring that organizations stay ahead of evolving threats while maintaining adherence to regulatory standards.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced User Experience\"}),\": The advanced analytics and machine learning models employed by Oscilar and SentiLink significantly reduce false positives. This ensures that genuine transactions proceed unhindered, improving customer satisfaction and reducing friction in the user experience. Meanwhile, potentially fraudulent transactions are flagged for further review, allowing for a more targeted approach to fraud prevention.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamlined Implementation\"}),\": Financial institutions can benefit from quick and seamless integration of this combined solution into their existing systems. Oscilar\u2019s no-code interface allows for easy customization, enabling institutions to tailor their fraud detection strategies to their specific needs without requiring extensive engineering resources.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We are excited about partnering with Oscilar to help companies on their platform mitigate fraud risks and make better risk decisions,\" said Naftali Harris, CEO and Co-Founder of SentiLink. \"Together, Oscilar\\'s AI-powered risk decisioning platform and our solutions to stop identity theft and synthetic fraud at the point of application will allow companies to confidently approve more customers without adding friction or increasing fraud losses.\"'}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"How Oscilar and SentiLink Partnered for a Joint Customer\\xa0\"})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar and SentiLink recently helped a shared customer, Flexcar, to dramatically reduce their average risk rates from 10% to 5%, with subprime risk rates dropping from 13% to 6%.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"The integration of multiple data points through Oscilar's platform has not only enhanced Flexcar's decision-making and risk management capabilities but also simplified the process of building new fraud detection rules. Moreover, the adoption of these solutions has led to a significant reduction in asset loss, with the last quarter's count of unaccounted vehicles dropping to zero.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"By mitigating risks and improving their economic position, Flexcar has been able to offer more competitive pricing, attract more customers, and increase customer retention.\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About Oscilar\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar, the leading provider of transformative risk management solutions, empowers institutions to manage onboarding, credit, fraud, and compliance risks.. At the heart of Oscilar\u2019s offerings is an AI-powered risk management platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud and optimize credit assessments. By leveraging advanced analytics, Oscilar enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Renowned globally for innovation and excellence, Oscilar\u2019s team of data scientists, risk management experts, and technology professionals continually push the boundaries of decision intelligence, helping organizations navigate complex risk landscapes with confidence.\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About SentiLink\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"SentiLink, the leading provider of innovative identity and risk solutions, empowers institutions and individuals to transact confidently with one another by preventing synthetic fraud, identity theft, and emerging forms of first party fraud at the point of account application. Its solutions enable these secure transactions by leveraging a deep understanding of identity and risk, and are informed by machine learning models and insights from a team of top risk analysts. SentiLink proudly serves a broad array of financial institutions, from the largest U.S. banks to leading credit unions and fintech unicorns to help stop fraud at account opening and beyond. Headquartered in San Francisco, the company was founded in 2017 by Naftali Harris and Max Blumenfeld and it has raised $85M to date from investors including Andreessen Horowitz, Craft Ventures, and NYCA Partners, among others.\"})]});export const richText8=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/i(\"p\",{children:[\"We are excited to announce the strategic partnership between \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\" and \",/*#__PURE__*/e(n,{href:\"https://www.enigma.com/solutions/kyb-and-business-verification\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Enigma\"})}),\", bringing together Oscilar's AI-powered risk decisioning platform with Enigma's expertise in business verification data. This collaboration is set to transform risk management in the KYB (Know Your Business), merchant risk, and credit risk sectors by integrating cutting-edge technology with comprehensive data solutions.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Key Benefits of the Partnership:\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Enhanced KYB and Compliance Solutions\"})}),/*#__PURE__*/e(\"p\",{children:\"Through this partnership, Enigma and Oscilar will deliver enhanced KYB solutions that promise instant business verifications, reducing the onboarding time from days to seconds, thereby significantly cutting operational costs. Enigma's data integration will enable Oscilar to pre-qualify and segment customers effectively, thereby enhancing the overall customer onboarding experience.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Advanced Risk and Credit Assessment Tools\"})}),/*#__PURE__*/e(\"p\",{children:\"The combined capabilities of both companies will also enhance the monitoring and assessment of credit and merchant risks. Enigma's merchant transaction signals will empower Oscilar's risk decisioning models, by allowing customers to glean insights from card transactions for more nuanced and informed risk decisions. This integration aims to offer financial institutions a more comprehensive view of potential risks, facilitating better management and mitigation strategies.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Operational Efficiency and Cost Reduction\"})}),/*#__PURE__*/e(\"p\",{children:\"A key benefit of this partnership is the significant reduction in KYB and compliance-related costs. By automating the verification processes and utilizing Enigma's efficient data management, Oscilar users can expect a reduction in overhead expenses by 50-80%, providing substantial savings while ensuring accuracy and compliance.\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership represents a significant advancement in risk management technology, promising to deliver superior solutions that will enable businesses to manage risk more effectively while also achieving compliance and operational excellence. As we move forward, Oscilar and Enigma are committed to continuous innovation and leadership in the financial technology space.\"}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar\"}),/*#__PURE__*/e(\"p\",{children:\"Oscilar is renowned for its advanced AI and machine learning capabilities that simplify complex risk decisioning for financial institutions. The platform offers solutions that streamline processes in fraud prevention, credit underwriting, and compliance, making financial operations not only faster but also more secure and compliant with global regulations.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"About Enigma\"}),/*#__PURE__*/e(\"p\",{children:\"Enigma excels in providing up-to-date, comprehensive data on small and medium businesses, helping firms streamline the KYB process and enhance business verification practices. Enigma\u2019s approach reduces the manual efforts required in business verification, leveraging data from authoritative sources to provide instant business insights and regulatory compliance.\\xa0\"}),/*#__PURE__*/e(\"h2\",{children:\"Quote from Enigma\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201COscilar\u2019s innovative risk decisioning platform, powered with Enigma\u2019s differentiated KYB data will allow risk teams to approve more applications at point of onboarding,\u201D said Arly Dungca, VP of Partnerships at Enigma. \u201CAdditionally, through Oscilar, customers will be able to access Enigma\u2019s exclusive merchant transaction signals to identify more creditworthy SMBs.\u201D\"}),/*#__PURE__*/e(\"h2\",{children:\"Quote from Neha\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CBusiness verification at financial institutions involves carefully balancing KYB and customer data,\u201D said Neha Narkhede, Co-Founder & CEO of Oscilar. \u201CThe deep understanding of KYB processes and business verification practices provided by Enigma, combined with Oscilar\u2019s generative AI Risk Decisioning platform offers an unparalleled solution to automate, streamline and increase the accuracy of KYB for the first time.\u201D\"})]});export const richText9=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/i(\"p\",{children:[\"CHICAGO, May 1, 2024 /PRNewswire/ -- The world\u2019s most accurate device intelligence platform, \",/*#__PURE__*/e(n,{href:\"https://fingerprint.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Fingerprint\"})}),\" and \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\", a trailblazer in AI-driven risk and fraud management, partner to empower fintech companies with advanced fraud prevention and detection capabilities while ensuring a frictionless customer experience.\"]}),/*#__PURE__*/e(\"p\",{children:\"Cumulative online payment fraud losses are expected to total $343 billion between 2023 and 2027, and today the average U.S. consumer uses between three to four different fintech apps. With the increased adoption of digital financial apps, fintech companies need solutions to reduce fraud while providing a seamless customer experience. The partnership between Fingerprint and Oscilar delivers a powerful combination of highly accurate device intelligence and a no-code, AI-powered risk decisioning platform to help fintechs achieve this goal.\"}),/*#__PURE__*/i(\"p\",{children:[\"\u201CBy joining forces with Oscilar, we empower customers to strike the perfect balance between user convenience and robust security,\u201D \",/*#__PURE__*/e(\"strong\",{children:\"said Dan Pinto, co-founder and CEO of Fingerprint.\"}),\" \u201CWe are committed to providing businesses with the most reliable, efficient and secure solutions to protect their assets and safeguard their customers\u2019 trust.\u201D\"]}),/*#__PURE__*/i(\"p\",{children:[\"Fingerprint\u2019s device intelligence platform uses its proprietary \",/*#__PURE__*/e(n,{href:\"https://ffnews.com/newsarticle/fingerprint-launches-smart-signals-to-fight-and-prevent-fraud/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Smart Signals\"})}),\" to provide a unique identifier for every user touchpoint with up to 99.5% accuracy. With this enhanced, actionable intelligence, fintech companies can make faster, more informed decisions about their traffic.\"]}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://ffnews.com/newsarticle/oscilar-unveils-groundbreaking-ai-powered-aml-risk-platform-transforming-compliance-for-fintechs-sponsor-banks-and-financial-ecosystem/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\u2019s no-code, AI-powered platform\"})}),\" enables fintechs, banks, and credit unions to manage fraud, compliance, and credit risks. The Oscilar platform redefines risk management with its no-code, AI Risk Decisioning platform, allowing organizations to quickly adapt, test, and deploy risk decisioning policies, minimizing reliance on engineering resources.\"]}),/*#__PURE__*/e(\"p\",{children:\"The partnership enables fintech, banks, and credit unions to leverage Fingerprint\u2019s device intelligence in various user flows throughout the customer journey within Oscilar\u2019s platform, in order to prevent use cases such as new account fraud, account takeover, and payment fraud.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Customers can access:\"})}),/*#__PURE__*/i(\"ul\",{style:{\"--framer-font-size\":\"16px\",\"--framer-text-alignment\":\"start\",\"--framer-text-color\":\"rgb(21, 22, 23)\",\"--framer-text-transform\":\"none\"},children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"1.06px\"},children:/*#__PURE__*/e(\"p\",{children:\"A no-code/low-code and natural language based risk platform that enables fast, easy deployment of risk models, allowing companies to save engineering resources and integrate third-party data sources, such as Fingerprint, quickly with a single API.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"1.06px\"},children:/*#__PURE__*/e(\"p\",{children:\"Highly accurate device intelligence, including DeviceID and Smart Signals for every stage of the customer journey.\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"1.06px\"},children:/*#__PURE__*/e(\"p\",{children:\"Automated risk decisioning with real-time insights, helping fintechs, banks, and credit unions reduce fraud and improve customer experience while speeding up fraud and risk operations dramatically.\"})})]}),/*#__PURE__*/i(\"p\",{children:[\"\u201CWe founded Oscilar to revolutionize risk management for fintechs, banks, and credit unions. Partnering with Fingerprint is a natural fit,\u201D \",/*#__PURE__*/e(\"strong\",{children:\"said Sachin Kulkarni, co-founder and chief technology officer at Oscilar.\"}),\" \u201CBy integrating their unparalleled device intelligence into our no-code platform, we\u2019re making it easier than ever for our clients to automate risk decisioning, reduce fraud and deliver the seamless experiences their customers deserve.\u201D\"]}),/*#__PURE__*/i(\"p\",{children:[\"Learn more about how Fingerprint and Oscilar can help fintech companies reduce fraud and deliver a seamless customer experience by visiting \",/*#__PURE__*/e(n,{href:\"https://fingerprint.com/%20and%20https://oscilar.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"here\"})}),\".\"]})]});export const richText10=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"Oscilar and Middesk are excited to announce a strategic partnership to help modern financial institutions make faster, more confident onboarding decisions and effectively manage their onboarding, fraud, underwriting, and compliance risks.\"}),/*#__PURE__*/e(\"p\",{children:\"By integrating Middesk's business identity data with Oscilar's comprehensive risk management platform, financial institutions are now equipped with a robust solution that streamlines the onboarding experience for businesses and curtails the risk of fraud, boosting fraud and risk operations efficiency by 10x.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Financial institutions stand to gain several key advantages from this partnership:\"})}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced Fraud Detection and Prevention\"}),\": Combining Oscilar's generative AI and natural language orchestration and analytics and Middesk's detailed business identity data improves the precision of risk assessments, minimizing false positives and enhancing fraud detection.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Efficient Business Onboarding\"}),\": The integration streamlines the onboarding experience by combining Middesk's automated business verifications with Oscilar's real-time, 360-degree view of a business\u2019s risk, reducing manual interventions and accelerating decisions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",style:{\"--framer-font-size\":\"12px\",\"--framer-text-color\":\"rgb(0, 0, 0)\",\"--framer-text-decoration\":\"none\"},children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Robust KYB Verification\"}),\": Together, Oscilar and Middesk deliver a comprehensive KYB verification solution that simplifies adherence to regulatory standards and ensures data integrity and security. This scalable solution is adept at supporting a wide array of financial institutions, from nimble fintechs to credit unions and expansive banks.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"\u201CBusiness onboarding at financial institutions involves carefully balancing fraud risk and customer friction,\u201D said Neha Narkhede, Co-Founder & CEO of Oscilar. \u201CThe deep business onboarding and fraud monitoring intelligence provided by Middesk, combined with Oscilar\u2019s generative AI Risk Decisioning platform offers an unparalleled solution to automate, streamline and increase the accuracy of digital business onboarding for the first time.\u201D\"}),/*#__PURE__*/e(\"p\",{children:\"\u201CWe\u2019re excited to team up with Oscilar to help financial institutions make faster and more confident business onboarding decisions ,\u201D says Kyle Mack, CEO of Middesk. \u201CBy leveraging our business identity data within Oscilar's risk decisioning platform, modern risk teams will be able to streamline their operations while also enabling more business growth.\u201D\"}),/*#__PURE__*/i(\"p\",{children:[\"To learn more, \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/demo-form\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"request a demo\"})}),\".\"]}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About Oscilar\"}),\":\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar is a generative AI-powered solution that empowers financial institutions to mitigate risk, ensure compliance, and enhance customer experiences. Oscilar's platform, distinguished by its use of generative AI for risk decisioning and natural language processing for fraud analytics, enables clients to streamline operations and adapt swiftly to the ever-evolving financial landscape\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"About Middesk\"}),\":\",/*#__PURE__*/e(\"br\",{}),\"Middesk is the leading business identity platform. With Middesk\u2019s identity-as-a-service APIs, businesses can verify, underwrite, and enable their customers to grow their businesses. Middesk\u2019s current customers include Plaid, Pipe, BlueVine, Mercury Bank, Divvy, Tesla, as well as large banks and lenders. For more information, visit \",/*#__PURE__*/e(n,{href:\"http://middesk.com/\",motionChild:!0,nodeId:\"BUgVwc8Nv\",openInNewTab:!0,scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"middesk.com\"})}),\".\"]})]});export const richText11=/*#__PURE__*/i(t.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"The Banking-as-a-Service (BaaS) model has enabled fintechs to offer innovative financial services by leveraging established banking infrastructure. However, this growth has attracted unprecedented regulatory scrutiny, especially in Anti-Money Laundering (AML) compliance. With global money laundering estimated at $2 trillion annually by the UN, sponsor banks and their fintech partners face mounting pressure to combat financial crime while continuing to foster innovation.\"}),/*#__PURE__*/e(\"p\",{children:\"The BaaS model has empowered fintechs to innovate, but this growth comes with heightened compliance challenges. Sponsor banks are faced with the difficult task of overseeing the AML risks of their fintech partners, which can vary greatly depending on different products, services, customers, and geographies. Non-compliance can result in severe legal repercussions, monetary penalties, and reputational damage. Evidenced by sponsor banks facing a surge in regulatory actions and consent orders, many of which relate to failure to navigate stringent AML and related regulations.\"}),/*#__PURE__*/e(\"p\",{children:\"This evolving landscape necessitates next-generation AML solutions that balance fintech innovation with robust compliance safeguards. Oscilar's AI-Powered AML Risk Platform is a groundbreaking solution designed to align fintech agility with traditional banking's regulatory rigor. By leveraging a completely integrated compliance stack and cutting-edge AI technology, Oscilar redefines AML compliance, enabling sponsor banks and fintechs to combat financial crime effectively together, while continuing to spearhead innovation.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Escalating Compliance Challenges in BaaS\"}),/*#__PURE__*/e(\"p\",{children:\"The rapid growth of the BaaS model has raised regulatory concerns over potential systemic risks and compliance vulnerabilities. As the fintech ecosystem expands, each new partnership adds to the scrutiny, necessitating diligent risk management by sponsor banks to mitigate regulatory penalties for failing to properly oversee their fintech partners.\"}),/*#__PURE__*/e(\"h3\",{children:\"Factors Fueling Regulatory Scrutiny\"}),/*#__PURE__*/i(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Exponential Growth\"}),\": The BaaS market's explosive growth has heightened concerns about the risks associated with these complex partnerships, prompting regulators to monitor for potential instability.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Inherent Fintech Compliance Risks\"}),\": The fintech model presents inherent compliance challenges for sponsor banks, who must ensure comprehensive oversight of intermediary providers across separate organizations.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Banking Failures\"}),\": Recent bank collapses have intensified regulatory focus on BaaS compliance, driving demands for robust fraud prevention measures and tighter AML/KYC regulations.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"High-Profile Fintech Failures\"}),\": The collapse of prominent fintechs associated with banks has exposed systemic risks, escalated concerns of consumer harm and put a spotlight on inadequate bank oversight, spurring regulators to seek preventive measures.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Evolving Compliance Landscape\"}),\": Sponsor banks grapple with managing compliance risks across diverse fintech partnerships, navigating challenges like account opening vulnerabilities, lending practice opacities, data security gaps, and varying AML standards across jurisdictions.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"To strike a balance between innovation and sustainability, thorough risk-based compliance programs are essential. Sponsor banks must actively oversee their fintech partnerships to mitigate risks and avoid regulatory penalties.\"}),/*#__PURE__*/e(\"h3\",{children:\"The Fragmentation Dilemma\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Siloed Compliance Tools & Data\"}),\": Reliance on multiple technology, fraud detection, and compliance providers leads to fragmented systems, where critical data is siloed across platforms, hindering automation and operational efficiency.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Visibility Gaps\"}),\": This fragmentation creates substantial visibility gaps for banks, impeding their ability to maintain a comprehensive view of their risk posture across the entire fintech portfolio, hampering effective oversight and risk management.\"]})})]}),/*#__PURE__*/e(\"h3\",{children:\"Limitations of Current AML Solutions\"}),/*#__PURE__*/e(\"p\",{children:\"Despite the availability of AML solutions, sponsor banks continue to face significant challenges:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Data Trust Barriers\"}),\": Lack of robust data integrity and governance from many vendors impedes bank-fintech collaboration, presenting significant data security and compliance risks.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Restricted Visibility\"}),\": Limited visibility into fintech partners' activities hinders risk management and timely issue resolution, requiring substantial resources, tools, and expertise for continuous oversight.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Integration Complexities\"}),\": Building a modern risk-based compliance program necessitates integrating multiple systems, including core banking platforms, batch AML monitoring, real-time IDV, EDD, investigations, evidence collection, reporting, governance, and auditing. Compliance teams are overwhelmed by alert management rather than proactive risk mitigation.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rigid Solutions\"}),\": One-size-fits-all compliance solutions fail to address the complex fintech landscape. Banks need flexible tools that enable detection of various risk patterns and empower self-service modeling, investigation, and reporting capabilities.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Insufficient Automation\"}),\": Sponsor banks require consolidated data systems that provide immediate insights for proactive risk management. Despite process automation, AML teams still struggle to comprehend customer risks, expected behavior, case origins, and create detailed narratives for SAR filings.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"Current solutions primarily address issues reactively rather than proactively, often resulting in complex and cumbersome compliance frameworks. Additionally, the reliance on manual processes introduces further risks of errors and delays.\"}),/*#__PURE__*/e(\"h2\",{children:\"Is There a Solution? Building a Foundational Compliance Stack, Not Just Duct Taping Tools\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"693\",src:\"https://framerusercontent.com/images/fC2DarWNhrFVFUgyAMRh4uWGaxU.png\",style:{aspectRatio:\"2740 / 1386\"},width:\"1370\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar has developed an AI-Powered AML Risk Platform to tackle the compliance and fraud detection challenges faced by the financial industry. This innovative platform consolidates various data sources and employs AML semantics to offer a holistic view of customer interactions and risk monitoring throughout their financial engagements. By combining traditional AML scenarios with generative AI and machine learning, Oscilar enhances real-time risk detection and streamlines the entire investigation process. The platform harmonizes regulatory compliance, advanced technology, and deep semantic understanding, enabling financial institutions to navigate the intricacies of AML compliance with unmatched accuracy and insight.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"941\",src:\"https://framerusercontent.com/images/4JwB6hDu75rgn8sHreyUb0cm4.png\",style:{aspectRatio:\"3426 / 1882\"},width:\"1713\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AI-Powered AML Risk platform is designed to bridge the gaps in current compliance frameworks. It equips both fintechs and sponsor banks with:\"}),/*#__PURE__*/e(\"ol\",{children:/*#__PURE__*/i(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"AMLOps Visibility and Control: Unified Platform for Comprehensive Compliance Oversight\"})}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Oscilar's Mission Control Dashboard\"}),\" centralizes AML data, providing a comprehensive view of compliance risks and enabling holistic management of financial crime programs. Key features include:\"]}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Unified AML Typology Monitoring\"}),\": Track AML typologies across various fintechs or products in one consolidated view.\"]})}),/*#__PURE__*/i(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fintech Program Health Monitoring\"}),\": Assess the health and effectiveness of fintech programs, ensuring compliance and operational efficiency.\"]}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rule Performance and AML Trend Analysis\"}),\": Gain insights into rule effectiveness and emerging AML trends for proactive adjustments and strategy optimization.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]})]})]})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"849\",src:\"https://framerusercontent.com/images/dgsJTBIy3zxoqe5pOQb32Tr2A.png\",style:{aspectRatio:\"3050 / 1698\"},width:\"1525\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AI-Driven Case Management offers a 360-degree view of customer risk, empowering compliance teams with:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Case Cards\"}),\": Access rich case cards that include embedded insights, historical context, and connections between cases, alerts, entities, and devices for a complete background on each case.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Automated Narratives and Task Management\"}),\": Generate detailed, concise SAR or risk narratives in seconds and streamline case management with automated tasks such as assignment, prioritization, escalation, QA/QC reviews, and follow-ups.\"]})}),/*#__PURE__*/i(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Collaborative Compliance and Smart Actions\"}),\": Facilitate collaboration and streamlined communication for addressing Unusual Activity Reports (UAR), Suspicious Activity Reports (SAR), and compliance audits, while enhancing operational efficiency with smart actions like document uploads, AI-generated notes, intelligent lists, and direct links to research tools or data.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"418\",src:\"https://framerusercontent.com/images/HhYAeN2ofl69aCuHqsMrFYyjMQ.png\",style:{aspectRatio:\"1440 / 836\"},width:\"720\"}),/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]})]})]}),/*#__PURE__*/e(\"ol\",{start:\"2\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Oscilar AI, a Gen AI-First AML Co-Pilot: Pioneering Advanced AML Investigations and Compliance\"})})})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AML Co-Pilot, the core of its platform, significantly enhances the efficiency and effectiveness of AML teams by delivering real-time intelligence, in-depth insights, and contextual understanding. It streamlines alert prioritization, investigations, and reporting through:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"AI-Powered Insights\"}),\": Understand case triggers, approvals, and declines with AI case summaries, and access entity insights, relationships, transaction analysis, money laundering typologies, and risk indicators via an intuitive natural language interface.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Automated SAR Workflows\"}),\": Accelerate the SAR filing process with auto-populated case information, AI-generated detailed narratives, and one-click e-filing.\"]})}),/*#__PURE__*/i(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Natural Language Scenario Testing and Workflow Creation\"}),\": Create, test, and refine AML typologies using natural language, and streamline the creation of complex workflows, behavioral profiles, and AML rules seamlessly for real-time decisioning.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"550\",src:\"https://framerusercontent.com/images/zf4oj11I2cPs3pUaNl7RB1ftAc.png\",style:{aspectRatio:\"1455 / 1101\"},width:\"727\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",src:\"blob:https://framer.com/0cae4c79-30cd-45d6-b123-d1b5ad1955a1\"}),/*#__PURE__*/e(\"ol\",{start:\"3\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Leveraging Applied ML for Enhanced AML Detection & Investigation\"}),\":\"]})})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar harnesses applied ML to conduct continuous surveillance over entities and their transactional activities, improving detection accuracy, optimizing resource deployment, and reducing false positives through:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Intelligent Alert Prioritization\"}),\": Leverage ML and big data analytics to identify unique AML risks and prioritize essential alerts, minimizing false positives.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advanced Analytics\"}),\": Utilize graph analysis for entity link analysis, point of compromise identification, and complex money flow elucidation.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Explainable and Fair AI\"}),\": Ensure AI explainability, fairness, and governance through rigorous controls and human oversight.\"]})})]}),/*#__PURE__*/e(\"ol\",{start:\"4\",children:/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Transparent AML Workflows & Scenario Testing for Efficient Compliance\"}),\":\"]})})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar simplifies AML compliance with intuitive setup, versatile data integration, and a comprehensive approach to AML decision-making through:\"}),/*#__PURE__*/i(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Flexible Data Integration and Typologies\"}),\": Allow the use of diverse data types and provide customizable, ready-to-use rules based on industry-standard AML typologies.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"No-Code Rule Writing and Custom Development\"}),\": Enable the creation, testing, and deployment of new AML decision rules within minutes using a no-code, natural language interface, and facilitate the building of tailored rules and models directly within decision workflows.\"]})}),/*#__PURE__*/i(\"li\",{\"data-preset-tag\":\"p\",children:[/*#__PURE__*/i(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Analytics and High Data Integrity\"}),\": Feature built-in analytics for evaluating AML decisioning performance and ensure the maintenance of the highest data integrity and governance standards for secure and compliant collaborations.\"]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})})]})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"522\",src:\"https://framerusercontent.com/images/mQnIY8YiHU4QehW92wSxmuSn0.png\",style:{aspectRatio:\"1360 / 1044\"},width:\"680\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AI-Powered AML Risk Platform represents a paradigm shift in AML compliance, addressing the evolving challenges faced by fintechs and sponsor banks in the BaaS ecosystem. By harnessing AI, machine learning, and advanced analytics, Oscilar empowers financial institutions to navigate the complexities of AML compliance with unparalleled efficiency, accuracy, and insight.\"}),/*#__PURE__*/e(\"p\",{children:\"With its unified platform for comprehensive oversight, AI-powered case management, advanced detection and investigation capabilities, transparent workflows, and scenario testing, Oscilar sets a new standard in AML compliance. As regulatory pressures mount and financial crime becomes increasingly sophisticated, Oscilar's innovative approach provides the tools needed to stay ahead of the curve and maintain a robust compliance framework.\"}),/*#__PURE__*/e(\"p\",{children:\"By embracing Oscilar's AI-Powered AML Risk Platform, fintechs and sponsor banks can confidently navigate the challenges of today and seize the opportunities of tomorrow, secure in the knowledge that they have a powerful ally in the fight against financial crime.\"}),/*#__PURE__*/e(\"h2\",{children:\"Next Steps: How to get started with Oscilar\u2019s BaaS platform\"}),/*#__PURE__*/e(\"p\",{children:\"Ready to revolutionize your decision-making with cutting-edge AI? 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