As account growth accelerated, so did fraud attempts and compliance load. Zimozi built a real-time risk engine and a streamlined eKYC onboarding flow that cut fraud losses and false positives at once, while keeping the bank aligned with MAS AML/CFT obligations.
The bank’s onboarding was slow enough to lose applicants, while its fraud controls were rule-based and noisy: thousands of low-value alerts drowned the real threats, and analysts spent their day clearing false positives. With transaction volume climbing, the existing approach would not scale, and the bank needed to demonstrably meet MAS AML/CFT and customer due-diligence expectations.
Static rules generated huge false-positive volume, so genuine fraud signals were lost in the noise.
Manual, multi-step KYC caused applicant abandonment and slow time-to-account.
New fraud patterns took weeks to encode as rules, always a step behind the fraudsters.
Hard to produce the audit trail, screening and reporting MAS AML/CFT obligations require.
A real-time scoring service evaluates each transaction in <200ms using behavioural features, device signals and velocity checks, blending ML models with a transparent rules layer.
Risk-tiered alerts, entity/behaviour profiling and sanctions/PEP screening, so analysts see prioritised, explainable cases instead of undifferentiated noise.
Singpass-style digital identity, document + liveness verification and automated CDD checks, with manual review only for genuine edge cases.
Every decision carries its reason codes and a full audit trail, and models are monitored for drift, built to evidence MAS AML/CFT compliance.
Analysts now work a single, prioritised queue: high-risk cases surface first, each with a clear risk score and the signals behind it. Volume that used to require a growing team is handled by the engine, with humans focused on the cases that matter.
| Txn | Type | Amount | Risk | Top signal | Action |
|---|---|---|---|---|---|
| #A7F3… | FAST out | S$9,800 | 92 | new payee + velocity | Hold · review |
| #B1C9… | PayNow | S$240 | 11 | trusted device | Auto-approve |
| #C4E2… | Card | S$1,450 | 63 | geo mismatch | Step-up auth |
| #D8A0… | FAST out | S$15,000 | 88 | mule pattern | Block · SAR |
The redesigned eKYC flow verifies identity, runs document and liveness checks, and completes customer due diligence automatically, routing only true edge cases to a human reviewer.
“We stopped drowning in alerts. Our team now spends its time on real threats, customers get approved in minutes, and we can show regulators exactly how every decision was made.”
We build real-time fraud, AML and eKYC systems that protect customers without slowing them down. Let’s talk.
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