Rivac LabsFraud Detection & Transaction Risk Scoring
Fraud doesn't announce itself — it hides inside transaction volume that's grown too large for a static rules engine or a manual review team to catch in real time. This service builds a machine-learning risk-scoring model trained on your actual transaction history, flagging account takeover, synthetic identity, card-testing, and first-party fraud before it clears, not after a chargeback lands. It's built for payments companies, lenders, and marketplaces where a fixed rules list keeps missing new fraud patterns while flagging too many good customers. The model runs alongside your existing fraud operations, giving your review team a ranked, explainable risk score instead of a flood of undifferentiated alerts. The result is fewer losses and fewer false declines on legitimate customers.
How We’d Approach This
A clear, staged plan — not a black box
- 1
Diagnose current fraud losses, false-positive rates, and the specific patterns your existing rules miss.
- 2
Pilot the risk model against a sample of historical transactions with known outcomes to prove lift before it touches live traffic.
- 3
Review scoring thresholds and false-positive tradeoffs with your fraud and compliance teams before go-live.
- 4
Launch with a human-reviewed queue for borderline scores, then tune thresholds as real transaction data comes in.
What You Get
Deliverables from this engagement
- Trained fraud risk-scoring model with documented feature set
- Real-time scoring API integrated into your transaction flow
- Explainable risk-score breakdown for every flagged transaction
- Analyst review dashboard for borderline and high-risk cases
- Monthly false-positive and catch-rate performance report
Six Ways We Could Architect This
Different engagement, different build — pick the shape that fits
There’s more than one way to deliver on this service. Browse a few of the ways we’d structure the work, depending on your speed, budget, and integration needs.
Ready to get started?
Tell us what you’re trying to get done and we’ll help you find the highest-leverage place to start — scoped small enough to prove itself before you commit to anything bigger.
Talk to us about Fraud Detection & Transaction Risk Scoring