Fraud Detection
Fraud is no longer one channel at a time. It moves across ACH, wire, card, digital banking, call centers, account opening, and internal operations, fast. Cicrim helps community and regional banks modernize fraud detection with real-time analytics, AI-assisted decisioning, and examiner-ready governance, so you can stop losses earlier, reduce false positives, and protect customer trust.
We meet you where you are, from tuning and alert reduction to building a modern, event-driven fraud architecture that connects your core, digital channels, and third-party tools.
Fraud Detection
Fraud detection is not a tool, it’s an operating capability.
A modern program combines real-time signals, consistent decisioning, and auditability. We help banks move beyond fragmented rules and reactive investigations by building detection that is measurable, defensible, and operationally sustainable, reducing losses while improving the customer experience.
Our services
Fraud detection modernization from strategy through execution
- Fraud operating model, governance and measurable KPIs across loss rate, alert yield and cycle time
- Channel coverage design: ACH, wire, card, digital banking, onboarding, call center, internal fraud
- Detection control mapping and defensible rationale for why we stop what we stop
- Investigation workflow design and case management modernization
Analytics, rules, and AI-assisted decisioning
- Rule tuning, threshold calibration and alert reduction programs that reduce false positives
- Behavioral and anomaly detection patterns using velocity, deviation and peer grouping
- Graph and relationship analytics for mule activity, rings, and coordinated behavior
- Model monitoring, drift detection, and change control for safe production operations
Integration and platform enablement
- Real-time event pipelines that move fraud signals from channels through decisioning to action
- Core and channel integration patterns using APIs and streaming without disrupting current operations
- Decision orchestration: Step-up auth, holds, callbacks, and exception workflows
- Data quality hardening and lineage for explainable, supportable detection
Examiner-ready documentation and program defensibility
- Policies, procedures, and evidence packs aligned to your risk appetite
- Third-party oversight for fraud tooling vendors across controls, SLAs and performance testing
- Model governance artifacts for testing, validation support, monitoring and approvals
- Training for investigators, operations, and frontline teams
Evolve your fraud program
Fraud teams are being asked to do more with the same headcount, while fraud attacks grow faster, more automated, and more cross-channel. Cicrim helps you shift from alert volume to signal quality and actionable outcomes.
Whether you are tuning an existing platform or building a modern detection stack, we focus on: Tighter signal-to-noise, faster interdiction, and documentation that makes your decisions defensible.
Areas of operational focus
Prioritize the controls that reduce losses and improve customer trust, without overwhelming operations.
Account takeover
Stop fraud before funds move by combining identity, device, session, and behavioral signals into a consistent risk decision. We help you implement step-up controls that are effective and operationally workable.
- Session risk scoring and step-up authentication design
- High-risk entitlement changes, payee adds, and contact updates
- Call center verification and social engineering controls
ACH & wire fraud
Build controls that reduce loss while keeping legitimate payments moving. Cicrim focuses on real-time interdiction patterns and clear exception workflows that your operations teams can run.
- Risk-based holds, callbacks, and high-risk payment review routing
- Payee risk and anomaly detection using velocity, amount, geolocation and device signals
- Operational playbooks for rapid incident response and customer handling
New account fraud
Fraud at onboarding is expensive and difficult to unwind. We help you build a layered defense across identity verification, device intelligence, behavioral signals, and policy controls.
- Risk-based onboarding flows and exception handling
- Device, email/phone, and velocity patterns for synthetic identity risk
- Controls to reduce good customer friction while tightening fraud approval gates
Insider risk
Insider activity is often subtle and operationally sensitive. Cicrim helps you implement detection and governance that respects least privilege, auditability, and employee fairness.
- Privileged access and unusual activity detection across entitlements, overrides and data access
- Segregation-of-duties analytics and audit trail strengthening
- Case workflows aligned to HR, legal, and compliance requirements
Alert reduction
Many banks are buried in alerts that don’t convert to actionable fraud. We run structured tuning programs that preserve risk coverage while cutting noise, and we document the rationale.
- Alert yield analysis and rule rationalization
- Threshold tuning with controlled experiments and back-testing
- Playbooks for ongoing monitoring and performance reporting
AI-Powered Decisioning
Fraud detection works best when decisions are consistent across channels, and explainable. Cicrim’s approach combines modern analytics with the governance banks need: Clear decision logic, change control, monitoring, and documentation that supports audits and exams.
Featured insights
Reducing false positives: A practical tuning program for community banks
A structured approach to alert yield, threshold calibration, and documentation, so risk coverage stays strong while investigator workload drops.
Fraud case management modernization: Faster outcomes, better audit trails
How to design investigation workflows that improve cycle time, preserve evidence, and support consistent decisions across teams and channels.
Account takeover prevention: Signals, step-up controls, and operational playbooks
Where identity, device, session, and behavioral signals fit, and how to design step-up actions that protect customers without creating massive friction.
Real-time ACH and wire controls: A blueprint for rapid interdiction
A practical approach to holds, callbacks, and exception routing that improves response time while protecting the customer experience.