Real-time AML & transaction monitoring
Score transactions inline as they move, not in a nightly batch. Surface suspicious activity in milliseconds so teams act while it still matters.
Real-Time AI & ML for Banking: AML, Fraud, Risk | ACM Global Tech
AI & Data
AI-native banking. Real-time by default.
Agentic AI and real-time machine learning for AML, fraud, and risk, with decisioning in milliseconds on a data-first core. We build the intelligence layer most banking stacks are still missing, and you license it, resell it, or co-build it with us.
The gap
Crime is real-time. Your controls are not.
Most compliance and risk still run on overnight batches and brittle, hand-tuned rules. Financial crime does not wait for the nightly job. By the time a flag lands the next morning, the money is gone and the analyst is buried in noise.
Batch lag
Decisions arrive too late
Overnight scoring catches yesterday's fraud. Real-time payments and instant rails demand a decision before the transaction clears.
Rules drift
Brittle, static logic
Hand-coded thresholds miss novel patterns and flood teams with false positives. Tuning never keeps pace with attackers.
Silos
Data trapped in pieces
Signals live in separate systems that never meet. Without a unified view, the model never sees the whole picture.
Black box
Hard to explain
Opaque scores stall investigations and rattle examiners. Every decision needs a reason an auditor can follow.
What we deliver
Intelligence in the loop, not after the fact.
A capability layer you can put into your own stack: real-time models, agentic workflows, and a data foundation that feeds them, built to license and ship under your brand.
Fraud detection
Adaptive models that learn evolving patterns across channels and cut false positives, so genuine customers are not blocked and real fraud does not slip through.
Risk & credit scoring
Continuous, signal-rich scoring for credit and counterparty risk that updates as new data arrives instead of waiting on a periodic refresh.
Agentic AI workflows
AI agents that triage alerts, gather context, and draft investigations, keeping a human in control while clearing the routine work.
Data-first architecture
Unify siloed data into one real-time feature layer so every model sees the whole picture. The data foundation is the product, not an afterthought.
Explainable, examiner-ready decisions
Every score carries the reasons behind it, with an audit trail built for investigators and supervisors from day one.
The foundations
Built on real AI research, not borrowed buzzwords.
The capability runs on infrastructure and models we build in the open, so what you license rests on engineering you can read and verify.
40+ proprietary innovations
Across AI infrastructure, data systems, and the cryptography that secures them.
Agentic AI foundations
Built on the Hanzo AI stack for agents, tools, and orchestration in production.
Frontier model research
Powered by the Zen LM family of open models and ongoing research.
Put real-time intelligence into your stack.
License the capability, resell it under your brand, or co-build with our team. From AML and fraud to risk, decisioning in milliseconds on a data-first core.
Book a discovery call →