What this service covers
Financial fraud is not a technology problem with a technology solution. It is a strategic challenge that sits at the intersection of customer experience, data science, operations, and regulatory compliance. Effective fraud strategy requires all four to work together — and a senior practitioner who has built and run such frameworks across multiple institutions and markets.
This service provides that senior capability on a flexible engagement basis — whether you need a complete fraud strategy built from scratch, a targeted intervention on a specific fraud type, or an independent review of your existing controls.
Fraud control diagnostic
Forensic review of your existing detection, prevention and response capabilities against current threat landscape.
Strategy design
End-to-end fraud strategy covering detection architecture, friction framework, ops model, and governance.
ML & analytics
Machine learning model design, feature engineering, and performance monitoring for fraud detection systems.
Regulatory alignment
Framework design aligned to PSD3, EBA APP guidelines, DORA, and Banco de España requirements.
Fraud taxonomy
Proprietary classification framework mapping your loss data to attack typologies for trend analysis and targeting.
Vendor selection
Independent evaluation of fraud technology vendors — from transaction monitoring to KYC and device intelligence.
How an engagement works
Discovery & diagnostic
Typically 3–6 weeks. Deep-dive into your fraud data, controls, operations, and threat landscape. Produces a clear picture of where you are losing money and why.
Strategy design
2–4 weeks. Design of the target-state fraud framework — detection architecture, friction strategy, operational model, governance structure, and regulatory documentation.
Implementation support
Ongoing. Senior oversight of implementation, model development, vendor integration, and team capability building. Duration scaled to your needs.
Performance & iteration
Continuous. Monitoring of fraud KPIs, model performance, and emerging threats — with regular strategy reviews to keep controls ahead of evolving attack patterns.
Who this is for
This service is designed for retail banks, neobanks, fintechs, payment institutions, and e-commerce businesses that are experiencing significant fraud losses, facing regulatory pressure, or undergoing platform transformation that requires fraud controls to be rebuilt or upgraded.
It is particularly valuable for organisations that have outgrown their existing vendor-led fraud controls and need independent strategic expertise to design the next generation of their fraud defence — without the conflicts of interest that come with vendor-supplied strategy.