Challenge
Timo Digital Bank faced escalating payment fraud with traditional rule-based systems generating 40% false positives while missing novel fraud patterns. Fraud losses grew 120% year-over-year costing $3M annually.
Solution
ICTI built a multi-layer ML fraud detection system using gradient boosting and graph neural networks. The system evaluates 200+ behavioral and transactional features per transaction in under 50ms, with continuous model retraining on new fraud patterns.
- 200+ feature real-time scoring engine (under 50ms)
- Graph neural network for account relationship analysis
- Continuous model retraining — weekly automated updates
- Explainable AI dashboard for compliance officers