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Ongoing monitoring · AI agents

Every transaction,
reasoned through.

Verifica deploys a dedicated agent for each task (detecting, triaging, investigating and recommending) and a reasoning agent that works through every payment the way an analyst would. It pulls the history, connects the accounts and devices, and writes down why the activity is or is not suspicious.

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For banks, payment institutions, e-money issuers, money transmitters and fintechs

The problem

Rules give you noise.
You have to connect the dots.

The gap

Rules look at one payment.
They miss where it leads.

With Verifica agents

Faster reviews. Fewer false positives.
Broader coverage.

The platform

From every source to a decision you can defend.

Data sources
  • Payments API, real time
  • Bank feeds and core system
  • Statements (PDF and CSV)
  • Processor and partner bank files
  • KYC profile and expected activity
  • Devices, IP addresses and logins
Verifica platform
Verifica agentsOne agent for each task, plus a reasoning agent on every transaction
DetectionTriageInvestigationRecommendationReasoning
Context modelsEach payment read against what we already know, not in isolation
Customer profileTypology knowledgeBehavioural baseline
Monitoring dataOne ledger that normalises and links every source
Transaction ledgerEntity and account graphReal-time rule engine
Use cases
  • Bank-detail and profile changes
  • Payment fraud and account takeover
  • Attack radar across customers
  • Payment holds and call-backs
  • SAR-ready case files
  • Exam-ready audit trail
What the agents hand your officer

A finding, not just an alert.

A rule says a threshold was crossed. The agents say what happened, why it matters and what to do, with the evidence behind each point.

Fraud finding · F2 + P1

Full balance transfer to new bank details, 41 hours after the change

Severity
Critical
Recommendation
Hold and call back
  1. Profile36 months of history

    A retail customer since 2021 who sends one or two outbound transfers a year, always to the same account.

  2. Account changeDevice and login log

    Bank details changed 41 hours before the payout request, from a new device in a country the customer has never logged in from. The change was not confirmed by phone.

  3. Linked customersAccount graph

    The new payout account is already the payout account for two unrelated customers who also changed their details this week.

  4. TypologyTypology library

    Full balance marked urgent, with a request not to call. It matches bank-detail fraud followed by a payout to a mule account.

Example with synthetic data. Agents recommend; a compliance officer decides.
For every transaction

Checked in microseconds. Reasoned through like an analyst.

The rule engine screens every payment before it is released. The agents do the work an analyst would otherwise do by hand for each alert.

  1. 01

    Every transaction comes in

    From your payments API, bank feeds, statements or core system. Each one is checked by the rule engine in microseconds, before money moves.

  2. 02

    Task agents gather the context

    Dedicated agents pull the customer's profile, history, account changes, devices, and every other customer linked to the same account, device or counterparty.

  3. 03

    The reasoning agent explains

    It reasons through each factor and writes it up with its evidence. Explained activity is closed as a false positive with the reason recorded.

  4. 04

    Your officer decides

    The case arrives with a recommendation: clear, hold and call back, or escalate. A person makes every decision, and every step is logged.

What the agents watch

AML, fraud and the whole customer base at once.

Every scenario is explainable, editable and mapped to its source. Rules are plain-language sentences with typed thresholds, back-tested before a change goes live and versioned with a required justification.

  1. 01

    AML scenarios

    Third-party payers and payees, pass-through and rapid movement of funds, activity above the expected profile, high-risk jurisdictions, watchlist counterparties, structuring, round amounts and dormant reactivation.
    18
  2. 02

    Fraud and account takeover

    First payment to new or changed bank details, bursts of new beneficiaries, outflows from a new device or country, urgent or secret instructions, and large outflows by older customers.
    11
  3. 03

    Attack radar

    The same payout account, device or IP address used by unrelated customers, spikes in bank-detail changes against the baseline, and many customers paying a newly seen counterparty.
    8
  4. 04

    Rules you control

    Preview the impact of a change on the last 90 days before it goes live. Only a compliance officer can change a rule, and every version is kept.
    90 days
15–35 µsRule-engine check per transaction, before the payment is released
37AML, fraud and portfolio scenarios, each mapped to its source
FATF · FinCEN · AMLRTypologies the agents reason against
Hash-chainedAudit log of every rule change, finding and decision

Verifica does not file reports or release payments on your behalf. Risk policy, thresholds and every final decision stay with your team. Monitoring is priced before activation.

Frequently asked questions

What is AI transaction monitoring?

A rule engine checks every transaction against AML and fraud scenarios before the money moves. When a rule fires, AI agents investigate the alert the way an analyst would and hand a compliance officer a written finding with the evidence and a recommendation.

What do Verifica's agents do?

Verifica deploys a dedicated agent for each task: detecting, triaging, investigating and recommending. Task agents gather the customer's profile, history, account changes, devices and every customer linked to the same account, device or counterparty. A reasoning agent works through each factor, writes it up with its evidence and recommends clear, hold and call back, or escalate.

Who decides on an alert?

A person. The agents recommend, and a compliance officer decides on every alert. Verifica does not file reports or release payments on your behalf, and the audit log records who made each decision.

How do we change a monitoring rule?

Rules are plain-language sentences with typed thresholds. Before a change goes live, you preview its impact on the last 90 days. Only a compliance officer can change a rule, and each version keeps its written justification in the audit log.

What is the attack radar?

A view across all customers that finds patterns single-account rules miss: the same payout or payer account used by unrelated customers, the same device or IP address, a spike in bank-detail changes against the baseline, and many customers paying a newly seen counterparty.

Run the agents
on your own transactions.

Send a sample of payments and account events and see the findings your team would get.

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