Empowering Fintechs to Fight Financial Crime
Grow your business with comprehensive risk coverage for all payments and transactions
Onboard customers seamlessly while scaling your business with trusted transactions and customers
ThetaRay helps you avoid blocking and/or slowing down transactions, so you can instead focus on growing your business and solidifying customer relationships. With ThetaRay, proactively check customer behavior during onboarding and throughout the customer lifecycle. Reduce alert noise and false positives as well as identify previously unknown types of risk.
ThetaRay solutions analyze transactions, risk indicators and client/payer/payee data to define normality and detect anomalies that indicate potential money laundering patterns. With institutions oftentimes tackling complex, cross-border ecosystems these critical detection capabilities paint a clear picture for compliance and risk teams.
Serving the Full Range of Fintechs
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Remittance Service Provider
Merchant Acquiring
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
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Profiling by Merchant Type
size, online/brick and mortar, type of goods
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Network Analysis
visualization of transaction flow of money and entities
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Payment Service Provider (PSP)
Remittance
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
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Profiling by Merchant Type
size, online/brick and mortar, type of goods
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Network Analysis
visualization of transaction flow of money and entities
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Processor (Acquirer/Merchant)
International Payments
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
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Profiling by Merchant Type
size, online/brick and mortar, type of goods
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Network Analysis
visualization of transaction flow of money and entities
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Issuer
Domestic Payments
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
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Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
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Open Bank
Digital Wallet
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
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Aggregator
Processor
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
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Gateway
Capital Markets
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
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Orchestrator
Capital Markets
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Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Remittance Service Provider
Merchant Acquiring
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Payment Service Provider (PSP)
Remittance
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Processor (Acquirer/Merchant)
International Payments
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Issuer
Domestic Payments
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Open Bank
Digital Wallet
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Aggregator
Processor
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Gateway
Capital Markets
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
-
Orchestrator
Capital Markets
-
Pseudo Customer
Risk detection for third-party actors that are part of transactions
-
Profiling by Merchant Type
size, online/brick and mortar, type of goods
-
Network Analysis
visualization of transaction flow of money and entities
-
Advantages for Fintechs
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Risk Coverage
Out-of-the-box coverage of mandatory risk indicators, including FATF money laundering typologies
Expose previously undefined risk
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Risk Mitigation
Improve risk management while reducing administrative burdens
Evolve to meet the latest trends in financial crime
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Operational Efficiency
Achieve decrease in alert volume up to 75%
Benefit from explainable alerts for faster investigation efforts
-
Time to Value
Go from data validation to deployment in 1-3 months
AI-as-a-service: Easily integrate and configure within your ecosystem
Advantages for Fintechs
-
Risk Coverage
Out-of-the-box coverage of mandatory risk indicators, including FATF money laundering typologies
Expose previously undefined risk
-
Risk Mitigation
Improve risk management while reducing administrative burdens
Evolve to meet the latest trends in financial crime
-
Operational Efficiency
Achieve decrease in alert volume up to 75%
Benefit from explainable alerts for faster investigation efforts
-
Time to Value
Go from data validation to deployment in 1-3 months
AI-as-a-service: Easily integrate and configure within your ecosystem
Time to Value in Two Months or Less
Request a Demo
AI-Powered AML Detection and Risk Analysis
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Transaction Monitoring
A multi-layered approach that detects anomalies outside of normal behavior, indicating potential financial crime like money laundering, human trafficking, and terrorism financing. It adapts to changing realities and continuously improves in accuracy as it ‘learns’ more about the data. Producing unmatchable low false positives and high detection rates.
Learn More
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Customer Risk Assessment
Designed to provide a dynamic, holistic view of risk by proactively checking customer behaviors whenever an event in the ecosystem changes. Analyzes onboarded customers and perpetually monitors the entire customer database providing a risk score and risk classification for each customer.
Learn More
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Transaction & Customer Screening
Real-time customer and transaction screening with proprietary algorithms for precise name-matching, with the industry’s highest F-score for superior risk identification. Immediately blocks confirmed matches. Ensures swift onboarding and reduces friction while driving compliant growth. Covers adverse media, PEPs, and global sanctions.
Learn More
Payoneer is the world’s go-to partner for digital commerce. Payoneer chose ThetaRay to enhance its transaction monitoring as part of an overarching AML program audit. Immediately, the solution identified a host of suspected high-risk transfers and improved the speed and quality of alerts. This helped Payoneer adapt to new threats faster and strengthened its AML compliance approach more broadly.
Leading brands trust ThetaRay
