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Use case · AI fraud investigator · $0.03 per payment assessed

AI fraud investigator

Fraud moves fast.Now your teammoves faster.

Your analysts did not train to copy numbers between screens. Toden's AI fraud investigator does the digging for them: it pulls the payment, the customer's history, the accounts they are linked to and the rule that fired, and hands your analyst one clear, sourced answer. They ask a question. They get the case. They make the call.

The workflow

The investigator that does the digging, so your analysts spend the day deciding instead of searching. This is a starting point: add, remove or reorder any step in the workflow builder.

Step 01

$0.02

Transaction assessment

Scores each payment and raises an alert when a rule fires

Step 02

$0.01

Account activity assessment

Scores the logins and account changes around it

Step 03

Included

Decision rules

Your analyst decides, with the evidence already gathered

Then your rules decide

A starting rule set

  • Nothing unusual about the paymentApprove
  • A rule fires and the evidence needs a personReview
  • The same device or address appears on a confirmed fraud caseReview
  • The recipient is on your blocked listDecline

Every rule is yours to change on a visual canvas, and each result records which rule decided it. Publishing a new version needs no release.

Try the workflow builder

What it costs

Added up from the published rate card as this page loaded. It is what one production run of the workflow above deducts from your credit.

$0.03per payment assessed

  • Transaction assessment$0.02
  • Account activity assessment$0.01

How it works

1

Every alert arrives already investigated

The moment a rule fires, the investigator opens the case and goes to work. It pulls the payment, the customer's history, their devices, addresses and payment instruments, and every account they touch, before anyone on your team has looked.

2

It builds the case and recommends a decision

You get a written summary, a timeline of what happened, a map of the linked accounts and a recommendation to clear, confirm or escalate, with the evidence behind each point. Ask it anything in plain language and it answers from the same record.

3

Your analyst decides in one click, on the record

The analyst accepts the recommendation or overrides it. The decision, the reason and the evidence it rested on go straight into the audit trail, ready for your regulator.

What powers it

  1. Each alert comes with a plain-language summary of what happened and why it matters, with every sentence linked to the evidence it came from.

Integrate

Mount the SDK with the workflow you published, or send a hosted link and write no code. The result arrives by signed webhook, and changing the workflow never needs a release.

Verify.tsxTypeScript · React
import { TodenVerification } from "@todenhq/sdk-react";
 
export function Verify({ userId }) {
  return (
    <TodenVerification
      apiKey="pk_test_..."
      workflowId="wf_AbC123dEf456"
      userId={userId}
      onSubmit={(s) => save(s.verificationId)}
    />
  );
}
verification.completedWebhook · JSON
{
  "event": "verification.completed",
  "data": {
    "verificationId": "ver_8fk2...",
    "status": "verified",
    "assuranceLevel": "gov_db",
    "idType": "bvn",
    "country": "NG",
    "dataMatch": true,
    "facialMatch": true,
    "facialConfidence": 91
  }
}

Products involved

This solution combines products you can use on their own too.

Beta

Risk Intelligence

Monitor transactions and account activity against your own rules, then investigate what they flag.

Learn more
Compliance

Transaction Monitoring

Score each transaction as it arrives against rules you control, and route what they flag to alerts and cases.

Learn more
Compliance

Cases & SAR Filing

Turn alerts into cases, record the outcome, then draft and export a goAML-format SAR or STR.

Learn more

Related use cases

Fraud Detection

One engine that turns identity, behaviour, device and screening signals into a live, explainable risk decision.

Learn more

Suspicious transaction reporting

Alerts, cases and goAML suspicious transaction reports, with four-eyes control and an audit trail.

Learn more

Multi-account and bonus abuse

Face search, device signals and blocklists that tie a new account to the ones behind it.

Learn more

Coverage

Pick a country to see the IDs you can verify there, which documents carry a chip we read, and whether business checks are available.

All countries we cover

Frequently asked

  • It recommends, and your analyst decides. If you choose, it can close clear false positives on its own within limits you set, and every one of those is logged with its reasoning for review.

AI fraud investigator,in one workflow.

The sandbox opens when you sign up. Usage-based pricing, no sales call.

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