---
title: "AML / Fraud Detection | AimRank"
url: https://www.aimrank.io/products/aml-fraud-detection/
description: "Calibrated, explainable alerts that satisfy a regulator - not a black box that floods your analysts with false positives. AI prototype from €2,990."
language: en
updated: 2026-10-09
---

[Products · #05 · Risk & Compliance](https://www.aimrank.io/products/)

TIER S BLUEPRINT

# AML / Fraud Detection

Calibrated, explainable alerts that satisfy a regulator - not a black box that floods your analysts with false positives.

scaffold from **€2,990**

## How it works

01

### Connect in your environment

Read-only feed from your core banking / PSP data - on-prem or your VPC. Transaction data never leaves your infrastructure.

02

### Ensemble scoring, calibrated

Supervised model on your confirmed cases + anomaly detection for novel patterns + counterparty-graph features. Scores mean what they say.

03

### Reason codes per alert

Every alert carries the pattern that fired it, in analyst language - pre-filling the SAR narrative instead of a blank form.

04

### Shadow-run before switch-over

2-4 weeks alongside your rules engine, comparing catch-rate and false positives. Legacy rules switch off one at a time, with compliance sign-off.

## Methodology reference

The published method this build is based on, and what it did in production.

**Stripe** scores every transaction for fraud in under 100 ms with deep-learning risk models (Radar).

Real-time ML fraud scoring · as reported by [Stripe ↗](https://stripe.com/guides/primer-on-machine-learning-for-fraud-protection)

Referenced for methodology only. AimRank is not affiliated with, endorsed by, or a customer of these companies; each links to its own public source. Sources last checked September 2026.

## The Four Guarantees™ - this build

The scaffold wires all four in. The PoC proves them on your data, as of that day. Only Implementation keeps them true over time: watched, drift-checked, with recourse.

### Measured value

\~30% of currently-missed fraud caught + \~40% fewer false-positive review hours. Precision@k eval gate at your analyst capacity.

### Defensible

SHAP reason codes per alert feeding SAR narratives; regulatory-grade hash-chained audit trail - every decision replayable for the supervisor.

### Self-improving

Fraud drifts fast - PSI/KS + concept-drift monitoring is core here, not hygiene, and it alerts the moment quality slips. Analyst dispositions feed the retraining loop.

### Yours & everywhere

On-prem / VPC deployment for regulated buyers; full source handover; MCP tools for your investigators' agents (🔴 disposition stays human).

## The number, sized honestly

Reference buyer: Baltic mid-market bank or fintech, \~€500M flow, \~2M transactions/yr, AML team of 3-6 reviewing \~400 alerts/week at \~95% false positives.

**\~30%** of currently-missed fraud caught ≈ €75k/yr - the agreed number (conservative)

**\~40%** fewer false-positive review hours ≈ 1 analyst FTE freed

**\~2 mo** payback at the PoC price, reference volume

**€10M+** the regulatory tail: single EU AML infractions reach eight figures - context, not a promise

## Three ways to own it

| Tier | What you get | Price | |
| ---------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------- | |
| **Scaffolding** ★ | The full repo - ensemble + calibration + reason codes, regulatory-grade audit log, Annex IV draft, MCP server. Reference run on public AML data. | **€2,990** | |
| **PoC** ★★RECOMMENDED | Trained on your transaction history - false-positive reduction and detection quality measured against your analysts' verdicts. Code + quality report yours. On a regulator-grade problem, no guarantee until your data proves it. | from**€9,000** | |
| **Implementation** ★★★ | Production: live scoring with reason codes, case-tool integration, threshold monitoring, scheduled retraining, monthly precision report - the agreed number (conservative) attaches here. | from **€27,000**\+ from €900/month assurance | |

★ = engagement depth. **PoC is the recommended path**: quality proven on your data before production money. The PoC carries no performance guarantee by design; the agreed number (conservative) attaches at Implementation, informed by the PoC report.

## What we don't promise

**The model can't add data that isn't there.** If device telemetry or counterparty data is missing from your systems, ROC-AUC sits near 0.75, not 0.90 - and we tell you that on the discovery call, before the contract. The SAR decision is never automated: the model ranks and explains, your analyst disposes, every time. And we don't switch off a single legacy rule without a measured shadow-run and your compliance officer's sign-off.

## Ready to see your own number?

Request the build: within 48h you get a personal reply with the value sized to your volume.

No commitment · reply within 48h · your data stays in the EU