Zeroteq
Real-time risk intelligence for the connected enterprise

Predict Risk.
Prevent Loss.
Protect Trust.

Mosura transforms fragmented fraud controls, compliance tools, customer signals, and predictive models into one adaptive enterprise risk intelligence fabric—built for real-time payments, digital identity, credit intelligence, merchant ecosystems, and cross-industry risk.

Explore Multi-Layer Architecture ↓View Risk Portfolio
API-firstEvent-drivenAI-nativeDeploy anywhere
CORE BANKING
PAYMENTS
IDENTITY
MERCHANTS
DATA & AI
COMPLIANCE
Enterprise Risk Portfolio

One platform.
Every risk domain.

Mosura unifies transaction fraud, identity risk, predictive credit, merchant exposure, behavior analytics, and regulatory monitoring without forcing every use case into the same model or workflow.

Click any of the seven risk-domain cards to open the same detailed functionality drawer
01

Payment & Transaction Fraud

Protect every transfer, card, wallet, and real-time payment journey with inline risk decisions.

02

Identity & Account Risk

Continuously establish trust across onboarding, login, employee access, and account activity.

03

Credit & Predictive Intelligence

Move from static credit snapshots to forward-looking cashflow, balance, affordability, and default intelligence.

04

Merchant & E-Commerce Risk

Control merchant, POS, aggregator, subscription, and dispute exposure across digital commerce.

05

Compliance & Monitoring

Unify transaction monitoring, AML, sanctions, alerts, investigations, and regulatory evidence.

06

Behavioral & Predictive Analytics

Discover hidden anomalies, linked entities, fraud rings, and subtle behavior shifts.

07

Market & Digital Asset Risk

Extend surveillance to trading, investment, digital-asset, and market-abuse scenarios.

Multi-Layer Architecture

From raw signal to
trusted action.

The architecture separates channels, integration, streaming, data, intelligence, domain services, decisioning, and operations—so each layer can scale, evolve, and remain governed independently.

Real-Time Intelligence Flow

Detect. Decide. Respond.
Continuously.

Every payment, login, profile change, merchant event, and external intelligence signal moves through a governed, replayable, explainable decision pipeline.

01 / CAPTURE SIGNALS

Capture Signals

Transactions, identity, devices, KYC, merchant, bureau, ERP, and external risk data.

02 / STANDARDIZE CONTEXT

Standardize Context

Canonical schemas, validation, deduplication, entity keys, and quality controls.

03 / BUILD INTELLIGENCE

Build Intelligence

Historical behavior, graph links, geo, device, sanctions, profile, and peer context.

04 / RUN MODELS

Run Models

Rules, anomaly models, supervised ML, time-series prediction, and graph analytics.

05 / APPLY POLICY

Apply Policy

Risk appetite, thresholds, customer value, confidence, compliance, and channel context.

06 / ORCHESTRATE RESPONSE

Orchestrate Response

Approve, challenge, hold, block, alert, investigate, report, or recommend.

07 / CLOSE THE LOOP

Close the Loop

Outcomes, analyst feedback, losses, false positives, model drift, and policy tuning.

Scenario Library

30+ intelligence models.
One operational fabric.

Search and filter the portfolio. Open any scenario to view signals, actions, systems, and integration patterns.

Click any card to open its detailed functionality drawer
Payment & Transaction Fraud

ACH Fraud

Detect unauthorized or manipulated ACH debits, credits, payroll transfers, and corporate payment instructions before funds leave the institution.

Payment & Transaction Fraud

Card Fraud

Score card-present and card-not-present transactions in real time using behavioral, device, merchant, location, and historical spending context.

Payment & Transaction Fraud

Chargeback Fraud

Identify friendly-fraud behavior and repeat dispute patterns while preserving legitimate customer protection and merchant fairness.

Payment & Transaction Fraud

Wire Transfer Fraud

Protect high-value domestic and international wire transfers with contextual beneficiary, velocity, geolocation, and relationship analysis.

Payment & Transaction Fraud

Real-Time Payment Monitoring

Inspect instant-payment traffic within millisecond decision windows and stop suspicious movement before settlement becomes irreversible.

Payment & Transaction Fraud

CNP Fraud

Reduce online card-not-present fraud across e-commerce, recurring billing, digital goods, and remote commerce journeys.

Payment & Transaction Fraud

Cross-Border Fraud

Detect remittance and international-payment anomalies with corridor risk, FX behavior, sanctions exposure, and beneficiary-network intelligence.

Payment & Transaction Fraud

Digital Wallet Fraud

Protect wallets, mobile payments, peer-to-peer transfers, top-ups, and cash-out journeys from takeover and transaction abuse.

Payment & Transaction Fraud

Credit Limit Abuse

Identify sudden or coordinated utilization spikes that indicate bust-out fraud, synthetic identity abuse, or emerging credit stress.

Identity & Account Risk

ATO Fraud

Detect account takeover through continuous behavioral authentication, device intelligence, session analysis, and transaction context.

Identity & Account Risk

First-Party Fraud

Identify customers who intentionally misrepresent identity, income, purpose, or repayment intent across lending and account products.

Identity & Account Risk

Synthetic Identity Fraud

Expose identities assembled from real and fabricated attributes by correlating onboarding, bureau, device, contact, and network evidence.

Identity & Account Risk

Insider Fraud

Detect employee misuse, unauthorized access, collusion, and policy violations through privileged-access and behavioral monitoring.

Identity & Account Risk

KYC & Identity Risk

Score onboarding risk using document authenticity, liveness, sanctions, adverse media, device, and relationship intelligence.

Behavioral & Predictive Analytics

Account Behavior Analytics

Build a living baseline of normal customer and account behavior to detect subtle deviations that static rules often miss.

Behavioral & Predictive Analytics

Suspicious Transaction Clustering

Apply graph analytics and clustering to uncover linked accounts, mule networks, fraud rings, and laundering pathways.

Credit & Predictive Intelligence

Cashflow Score

Generate a dynamic measure of cashflow stability, resilience, and predictability for individuals, SMEs, and corporate customers.

Credit & Predictive Intelligence

Pay Prediction

Forecast expected salary, invoice, settlement, and recurring payment timing to improve liquidity decisions and customer engagement.

Credit & Predictive Intelligence

Balance Prediction

Predict future balances across near-term and medium-term horizons using expected inflows, commitments, and behavioral patterns.

Credit & Predictive Intelligence

Spend Power

Estimate safe disposable spending capacity using income, balances, obligations, behavioral patterns, and risk constraints.

Credit & Predictive Intelligence

Loan Default Prediction

Predict emerging repayment stress and default probability early enough to enable supportive and targeted intervention.

Credit & Predictive Intelligence

Loan Application Fraud

Detect manipulated documents, inflated income, hidden liabilities, coordinated applications, and identity inconsistencies.

Credit & Predictive Intelligence

Credit Risk Scoring

Continuously update credit risk using transaction behavior, cashflow signals, bureau information, product usage, and macro context.

Credit & Predictive Intelligence

Overdraft & Liquidity Risk

Anticipate insufficient-fund events and liquidity pressure before payments fail or customers incur avoidable fees.

Compliance & Monitoring

Transaction Monitoring

Continuously evaluate transactions and customer behavior for fraud, AML, unusual activity, and operational risk.

Compliance & Monitoring

AML & Sanctions Screening

Screen customers, counterparties, beneficiaries, and transactions against sanctions, PEP, adverse-media, and internal watch lists.

Merchant & E-Commerce Risk

Merchant & POS Fraud

Monitor merchant onboarding, point-of-sale behavior, settlement patterns, collusion, and terminal anomalies.

Merchant & E-Commerce Risk

Merchant Aggregator Risk

Assess platform and sub-merchant exposure where a single aggregator concentrates operational, fraud, and settlement risk.

Merchant & E-Commerce Risk

Subscription & Recurring Payment Risk

Predict recurring-payment failures, subscription abuse, unauthorized renewals, and revenue leakage.

Market & Digital Asset Risk

Fraudulent Investment & Trading Activity

Detect manipulation, insider-like behavior, pump-and-dump patterns, coordinated trading, and suspicious digital-asset movement.

Technological Advancement

Beyond rules.
Adaptive risk intelligence.

The technology blueprint combines streaming computation, graph intelligence, predictive modeling, decision automation, model governance, and privacy-aware deployment patterns.

01Advanced

Streaming Feature Intelligence

Compute risk features continuously as events arrive rather than waiting for overnight batches.

02Advanced

Graph-Native Fraud Detection

Reveal mule networks, collusion, shared devices, circular payments, and hidden beneficial relationships.

03Advanced

Behavioral Digital Fingerprints

Model session, device, navigation, transaction, and channel behavior to detect subtle takeover signals.

04Core

Explainable Decisioning

Show the most influential signals, policy path, model version, and evidence behind every action.

05Core

Champion–Challenger Models

Run competing models safely, compare outcomes, and promote improvements through governed release controls.

06Advanced

LLM-Assisted Investigation

Summarize alerts, build investigation narratives, recommend evidence, and accelerate analyst workflows.

07Roadmap

Privacy-Preserving Analytics

Support tokenization, data minimization, secure enclaves, and federated-learning patterns for sensitive data.

08Advanced

Adaptive Policy Automation

Continuously tune rules and thresholds using feedback, risk appetite, model performance, and loss outcomes.

09Advanced

Edge & In-Region Scoring

Place low-latency risk services near payment rails or data-residency zones without losing central governance.

10Roadmap

Synthetic Data & Scenario Simulation

Test rare fraud typologies, policy changes, and model resilience before production rollout.

11Core

Model Risk Management

Track approvals, lineage, drift, fairness, performance, overrides, and retirement across the model lifecycle.

12Advanced

Autonomous Response Playbooks

Trigger tiered actions—from passive monitoring to step-up, hold, block, and investigation—based on confidence.

AI & Model Lifecycle

Govern intelligence from experiment to retirement.

Build, validate, approve, deploy, monitor, compare, explain, and retire models with complete lineage and operational control.

  • Real-time and batch inference with a shared feature foundation
  • Champion–challenger testing and controlled model promotion
  • Drift, stability, fairness, precision, recall, and loss monitoring
  • Human override capture and analyst feedback loops
  • Decision replay for audit, dispute, and regulatory evidence
Explainability & Trust

Every decision has a reason, owner, and evidence trail.

Mosura makes risk decisions interpretable to analysts, customers, auditors, model-risk teams, and regulators.

  • Signal contribution and reason-code generation
  • Model, feature, data, rule, and policy lineage
  • Immutable decision timeline and case evidence
  • Role-based access, masking, and sensitive-data controls
  • Configurable retention and jurisdiction-aware governance
Sub-secondTarget response for inline risk journeys
StreamingContinuous signals instead of batch-only detection
ExplainableReason codes and evidence for every decision
ComposableIndependent services with shared governance
Integration Fabric

Connect the enterprise.
Without replacing it.

Mosura is designed to sit across existing banking, payment, identity, merchant, compliance, data, and workflow systems—using the right integration style for each latency and governance requirement.

System DomainData & ContextIntegration Pattern
Core BankingAccounts, balances, transactions, limitsAPI, CDC, events, batch
Payments & SwitchesACH, cards, wires, instant payments, walletsSynchronous API, Kafka/Pulsar, webhooks
Identity & AccessLogin, MFA, device, privileged accessEvent streaming, API, SIEM feeds
KYC / AML / SanctionsIdentity, screening, watch lists, casesAPI orchestra, batch screening
CRM & Customer DataProfile, segmentation, contact, service historyAPI, CDC, warehouse feeds
ERP / Accounting / TreasuryPayroll, invoices, cashflow, commitmentsAPI, files, batch, data lake
Credit Bureau & External DataCredit history, company, device, geo, consortium dataAPI, scheduled feeds
Merchant & E-CommercePOS, orders, refunds, settlement, subscriptionsAPI, webhooks, events
Data LakehouseHistorical data, training data, audit evidenceObject storage, SQL, Spark/Flink
Notification & WorkflowEmail, SMS, push, webhook, service deskAPI, events, workflow connectors
Deployment & Sovereignty

One control plane.
Distributed execution.

Run risk services close to payment rails and sensitive data while maintaining centralized policy, observability, model governance, and lifecycle control.

Unified
Control PlanePolicy • Models • Observability
On-PremisesCore systems and regulated data zones
Sovereign CloudJurisdiction-aware processing and storage
Public CloudElastic analytics and model workloads
Edge / Payment ZoneLow-latency inline scoring
01 / DATA RESIDENCY

Data Residency

Keep sensitive data in the required jurisdiction or network zone.

02 / RESILIENCE

Resilience

Maintain risk decisions during infrastructure, network or dependency failure.

03 / INDEPENDENT SCALE

Independent Scale

Scale each workload according to volume, complexity and SLA.

04 / FULL-STACK OBSERVABILITY

Full-Stack Observability

Observe technical health, decision quality, models, data and business outcomes.

Multi-Industry Expansion

Built for finance.
Ready for every risk-rich industry.

The platform's event-driven, model-driven, policy-governed foundation transfers naturally to any sector where money, identity, assets, usage, or sensitive data move.

01

Financial Services

  • Payment and card fraud
  • ATO and identity risk
  • AML and sanctions
  • Cashflow and default prediction
  • Merchant and digital-wallet risk
02

Retail & E-Commerce

  • Payment and refund abuse
  • Chargeback and CNP fraud
  • POS and inventory anomalies
  • Customer spend prediction
  • Risk-based promotions
03

Telecommunications

  • SIM and identity fraud
  • Subscription-payment risk
  • Call/SMS abuse
  • Usage anomaly monitoring
  • Revenue assurance
04

Insurance

  • Application and claim fraud
  • Provider-network anomalies
  • Identity misuse
  • Claim-probability prediction
  • Organized fraud-ring detection
05

Utilities & Energy

  • Meter tampering
  • Billing anomalies
  • Consumption prediction
  • Payment default risk
  • Field-service fraud
06

Government & Public Sector

  • Benefit and tax fraud
  • Identity misuse
  • Procurement anomalies
  • Suspicious payment networks
  • Program-integrity monitoring
Security Fabric

Zero-trust protection across data, APIs, models, and operations.

  • OAuth 2.0, OIDC, mTLS, JWT, RBAC, and attribute-based controls
  • Encryption in transit and at rest with enterprise key management
  • Tokenization, field masking, data minimization, and tenant isolation
  • API threat protection, rate controls, schema validation, and WAF integration
  • Immutable audit trails and tamper-evident operational evidence
Operational Outcomes

Move from alert volume to measurable risk reduction.

  • Reduce fraud loss through earlier and more contextual detection
  • Lower false positives with behavior, graph, and customer context
  • Accelerate investigations with explainable evidence and automation
  • Improve credit decisions with forward-looking liquidity intelligence
  • Expand use cases without duplicating data, controls, and infrastructure
Mosura Enterprise Risk Intelligence

Turn every transaction, identity, and behavioral signal into a trusted decision.

Start with one high-impact scenario—ACH fraud, account takeover, transaction monitoring, cashflow scoring, or merchant risk—and expand into a unified, AI-native enterprise risk platform.