We have built fraud rules, credit models, and automation inside banks, payment firms, and lenders, and marketing analytics for retail and consumer-credit brands. We build the same for your firm. More fraud caught with fewer good customers blocked; lending that prices risk properly; disputes answered with evidence; marketing spend that shows what it returned; routine work taken off your teams.
Fixed fee and timetable agreed before we start, after a twenty-minute call. Practitioners from banks, payment firms, lenders, and government.
Results first
Rules tuned to catch what they should and leave good customers alone; models that price the risk.
Named owners
Somebody is named on every rule and workflow, with a review step and a route to escalate.
The working kept
Run it again on the same inputs and you get the same answer, and the record to show it.
Example record
One decision, reviewed
Decision rationale
Documented and mapped to the obligation
Human oversight
Owner named; escalation route defined
Monitoring
Gap flagged; drift check incomplete
Every decision is scored the same way: a documented chain from input to decision to the person who owns it, reproducible on demand.
Where the standard comes from
All four financial-crime domains
Rule-writing depth across APP scams, AML transaction monitoring, card fraud, and application/mule fraud.
Built inside banks
Detection rules written and tuned inside UK banks and payment firms, by practitioners who owned them and answered for them.
Mapped to UK obligations
Every rule tied to what it implements: PSR APP reimbursement, the MLRs, and FCA SYSC financial-crime.
Reproducible
The same inputs produce the same documented, traceable verdict, so the record can be re-run in front of whoever asks for it.
What we build
We build fraud rules, credit models, legal and forensic analysis, marketing analytics, and automation for the sectors where a wrong decision is expensive: banking, payments, lending, and the wider financial services around them. We have done this work inside banks, and we build it the same way for you: every rule and model documented, tested, and reproducible, so the result still holds when a regulator, a board, or a court asks how it was reached. Built to the UK regime.
Financial Crime
LiveCatch more fraud, block fewer good customers, and show why each rule is set where it is. We design, tune, and review detection rules for FCA-regulated firms across APP scams, transaction monitoring, card and application/mule fraud, with coverage gaps flagged against recognised UK fraud typologies. You get rules that work, and the record to show it.
Credit Risk
LiveLending decisions that price risk properly, from models a supervisor can read. Application and behavioural scorecards, affordability, IFRS 9 expected credit loss, and impairment forecasting for UK banks and lenders. A scorecard answers whether the customer will repay; affordability answers whether they can without harm, and CONC 5.2A asks both. The model is the easy half; what gets examined is the development record behind it, and the firm owns all of it.
Disputes & investigations
LiveThe technical answer a legal team needs in a dispute or an investigation: how money moved, whether a fraud control was adequate, what a model decided and why, and what the loss really is. Every finding cites the document, record, or row it rests on, and what the material cannot settle is reported as open. Technical and analytical support, not regulated legal representation.
Marketing Analytics
LiveMarketing spend that can show what it returned. Customer segmentation, value, retention, look-alike, and campaign measurement. In a regulated firm a segment decides who is offered credit, an account, or a price, so it has to be re-derivable, tested for proxies of protected characteristics, and shown to be fair under Consumer Duty. Every campaign is read against a group that did not receive it.
Workflows & agents
LiveAutomation that takes work off your team and still stands up to an audit. We build AI, agent, and automation workflows for banks, payment firms, and financial services. Each one names an owner, routes escalation to a person, gives the same answer on the same inputs, and keeps a record built to the standard an auditor asks for, under FCA and PRA expectations and UK GDPR.
Governance & compliance
LiveOwn every AI and automated decision: clear accountability, active oversight, and a reproducible record, for when a regulator, board, or customer asks who owned a decision and how it was made. The same standard, applied to the governance layer.
Security & resilience
LiveThe controls that move money and keep services running. We show which controls exist, who owns them, that they have been tested, and which obligation each one meets.
Three points where fraud rules are tested
Each now carries a direct financial cost, and each turns on whether the rule was documented, tested, and defensible.
Moment 01
Since mandatory APP-fraud reimbursement, a weak or undocumented detection rule is no longer only a control gap. It is a cost, carried on every claim.
We score each fraud and AML rule against a fixed scorecard and find the coverage gaps across recognised UK fraud typologies, before a claim finds them for you.
Pre-review exposure
Moment 02
A regulator, the Financial Ombudsman, or a court can demand evidence that a fraud rule was adequate, tested, owned, and mapped to the regulation it implements.
We establish whether each rule has documented rationale, monitoring, and change control, and where the record is missing.
Evidence chain
System decision log
Available
Override record
Incomplete
Independent review
Not commissioned
Moment 03
Control can only be shown if the rationale is documented, the rule is owned, and the output is reproducible: same inputs, identical traceable result.
We make that structure visible and ready to be challenged, with every assessment written down and repeatable, and leave your team with a pack a regulator can read.
Accountability trace
Business owner
Decision recorded
Governance owner
Review documented
Decision owner
Sign-off traceable
Business output
Holds up?
Governance
A customer, a regulator, or the Financial Ombudsman can ask for an explanation of any decision a rule or a model made. Good governance means each question has a clear answer before it is asked.
Named owners
Every decision has a named, accountable person behind it.
Traceable decisions
The path from data input to business outcome is reviewable.
Audit-ready
Records exist in a form regulators and auditors can use.
Illustration · decision challenged
Credit decision — declined (example)
Referred by compliance team · Tracing accountability chain
Accountable owner
Approval pathway
Data source
Decision rationale
Override record
Tracing 0 of 5 governance controls…
How it works
The same five steps for a fraud rule, a credit model, or an automation. Each one ends with something you can read and sign off, and the last one leaves your team owning the result.
We scope the decision rather than the task: where the rule, model, or workflow decides something, the scrutiny it has to survive, and the regime that binds it. A fixed scope is agreed before any build starts.
Scope map
We design the decision path before we write it: inputs, the reasoning steps, the human-oversight checkpoint, and the record each run leaves. A reviewer can read it and sign it off.
Decision design
We build in your environment, connected to one system, with reproducible logging from the first line. Working software on your data, not a slide deck.
Build
We deploy behind a human-oversight checkpoint and test against real cases. The same inputs give the same answer every time, and a person can override.
Deploy & test
We leave you the decision and audit log, a plain-language control write-up, and a working session with the people who will run it, so your team owns it and can change it without us.
What you receive
Relevant experience
Illustrative examples of work involving fraud rules, customer calculations, models, and automated decisions under scrutiny.
Where do today’s fraud rules stand?
Run the free fraud-rule check →What we see in practice
Get in touch
Start with the free fraud-rule check: a score across your rules or a verdict on one rule, in 60 seconds, with no data and no sign-up. Or talk to us first.