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FRAML Platform

Fraud and Money Laundering? A single engine handles both.

The same engine runs fraud and AML in parallel. Each team sees only what is theirs, with no cascade between systems and no duplicate processing. The gain shows up in latency.

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FPP Dashboard
Active alerts
3
Transactions/hour
12.4K
Analysis time
0.2s
Response rate
99.9%
One engine, separate operations

Speed that changes the game.

Fraud and AML share the runtime, but work in parallel. Each area has its own rules, queues, and alerts, and the transaction goes through a single evaluation.

Same engine, separate areas

Anti-fraud and AML run in the same runtime, each with its own rules, scores, and alerts.

Any operation

PIX, TED, cards, FX, and account events in a single pass.

The gain is speed

Combined decision in sub-300ms, with no cascade between systems.

Decision engine

Rules configured by compliance. No dependency on engineering.

Build workflows, scores, thresholds, and triggers without writing code.

Multi-stage workflows

Evaluation layers in sequence.

Customizable scores

Variables and weights owned by compliance.

Time windows

Accumulate context ("5 PIX transfers in 2 hours").

Automatic triggers

Automated blocks, notifications, and cases.

Contractual SLA

P95 at 300ms for fraud and AML combined. Your customer never notices the evaluation happened.

Decision flow

From transaction to decision. Same engine, dedicated flows for each area.

Every transaction goes through parallel block and scoring stages. The anti-fraud and AML flows run on the same engine, converge into a score calibrated by policy, and produce an auditable decision in sub-300ms.

Anti-fraud flow

Fraud Prevention

Fraud rules focused on device, behavior, and transactional patterns.

AML flow

Money Laundering Prevention

AML/CFT rules aligned with Bacen / BCRA, Coaf / UIF, and FATF, covering sanctions, PEP, and typologies.

Backtest + Governance

No rule goes live in the dark.

Test against 1 million real transactions before activation. Three-step approval. Full audit trail.

The backtest answers:

How many transactions would be impacted
How many more or fewer alerts
Current vs. proposed policy, side by side

Approval flow:

1 Analyst drafts the rule
2 Supervisor validates with the backtest
3 Administrator activates in production

Audit trail: who edited, reviewed, and approved, all recorded.

Detection and monitoring

Know your customer. Alert the regulator.

Individual behavioral profiling, continuously updated restrictive lists, and real-time monitoring, aligned with Brazilian Law 9,613/98 / Argentine Law 25,246 (AML), Bacen Resolution 4,557/2017 (Brazil) / BCRA risk-management framework (Argentina), and Bacen Circular 3,978 (Brazil) / BCRA Communication A 7724 (Argentina).

Individual behavior

FPP learns each customer's usual amounts, frequency, timing, and counterparties, and automatically detects any deviation.

Learns the pattern
Quantifies the deviation
Generates smart alerts

Restrictive lists

Internal and external sources (UN, EU, and local sanctions lists, plus Bacen / BCRA) always up to date, with full history.

Proprietary blocklist and watchlist
PEP, Politically Exposed Persons
International sanctions in real time

Continuous monitoring

Real-time cross-checking, context accumulation, and composite alerts.

Real-time evaluation against rules and baselines
Context accumulation (e.g., total amount in 24h)
Alerts that correlate multiple transactions

Want to see all this in action?

Schedule a demo and see the decision engine, the backtest, and the behavioral analytics with real-world scenarios.

  • Demo tailored to your sector
  • No commitment, completely free
  • Reply within 24 business hours
contato@guardline.com.br
+55 (11) 98813-2241