AI Fraud Detection Agent

A Fraud Detection Agent works your fraud alerts the way an investigator would: it enriches each alert, analyzes the transaction and counterparty, and assembles the evidence, clearing the manual investigation that eats your analysts' day. It builds the case; the analyst decides.

Tecla builds and operates it in your environment, on your data, under the controls your fraud team already answers to.

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The shift underway

Fraud is growing faster than the teams fighting it, and most of the cost now sits in the investigation after the alert. The numbers show the scale, and where the pressure falls.

$15.9B

lost to fraud in the US in 2025, a record.

Source: US FTC

~430%

rise in fraud losses since 2020.

Source: US FTC

$33.8B

in global card fraud in one year.

Source: Nilson Report

One system, eight agents

One agent, many specialists inside

The alert was never the bottleneck. The hours disappear into what comes after it: most of what gets flagged is a false positive, and analysts lose the day clearing them. That investigation is built here as a chain of specialized agents, each holding a role a human team already knows.

01

Intake

Normalizes each transaction and ties it to the right account, device, and identity as it arrives.

Reads the event
02

Signal Retriever

Pulls transaction history, device graph, KYC records, and behavioral patterns from your sources.

Gathers evidence
03

Risk Analyzer

Weighs the signals together rather than one at a time, surfacing what single rules read as normal.

Scores the risk
04

Link Analyst

Maps connected accounts, devices, and IPs to expose fan-out patterns and coordinated rings.

Finds the network
05

Case Builder

Assembles a plain-language case narrative with the evidence and a recommended disposition.

Writes the case
06

Policy Gate

Applies your limits: what the system may clear on its own, and what must route to a person.

Holds the line
07

Action

Executes the governed step, placing a hold, opening a case, or escalating, with every action logged.

Takes the action
08

Feedback

Learns from each analyst decision and retunes thresholds so the system sharpens month over month.

Keeps it learning

Human in the loop

Every flag carries the evidence behind it and a plain-language reason, so your analyst reviews judgment rather than raw data, and a person always makes the final call.

Scoped to you

This is a typical fraud detection build. The exact agents are scoped to the fraud you need to stop: some builds need a deepfake specialist, others a chargeback handler.

See what this would look like built around your portfolio operation.
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How it reaches production

Built, run, and owned, one phase at a time

Most fraud pilots stall between a working demo and a system a regulated team can rely on. A scoped brief, a named team, and someone accountable at each stage are what carry this one across.

Sprint

Scope, fixed price

We map the fraud surface, the data access, and the decision limits, then return a plan and a price before you commit.

AI Solutions Lead
Build

Built into your environment

Senior engineers assemble the investigation chain inside your environment, wired into your case system, transaction data, and the third-party sources you already query.

AI Systems Lead
Run

Monitored and improved

The system retunes on new patterns, and we report against the metrics set at scope: catch rate, false positives, time to decision.

Systems Lead + Engineers
Own

Yours, improving

The system is yours to keep, and it grows sharper against new fraud rather than going stale the way a static rules engine does.

Your team

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit.

‍ Book a scoping call
How it holds up

Reliable enough to run on real transactions

In fraud, an agent that behaves unpredictably is worse than none. What makes this one safe to run is the structure around it: what it can touch, what gets reviewed, and where it stops.

Reviewed by trajectory

Every flag shows its work

Every flag carries the evidence and a plain-language path from signal to recommendation, so an analyst reviews the judgment behind each flag rather than a bare score.

Human in the loop

It never acts alone on the irreversible

The agent recommends and holds, but a person makes the call on anything irreversible. Authority limits are set during the build.

Tuned over time

It adapts as fraud does

A feedback loop learns from analyst decisions and emerging fraud, so catch rate holds as attackers change tactics.

Start the build

Automate the investigation, keep the judgment

A scoping call maps your fraud operation and returns what the agent would run, what stays with your team, and the fixed-price Sprint to build it.

Talk to us

Fixed-price AI Systems Sprint. No commitment until scope is confirmed.

What risk leaders ask first

What is an AI fraud detection agent?

It brings fraud detection automation and fraud alert triage into one system: it enriches each alert, analyzes the transaction and counterparty, builds the case, and clears or escalates it. Tecla builds and operates it inside your environment, so your team reviews conclusions instead of raw alerts, with a person making the final call.

How is it different from our existing fraud monitoring system?

Your monitoring system generates alerts; the agent investigates them. Rather than an analyst working a queue by hand, it runs the investigation end to end and escalates only what needs judgment. It sits on top of the alerting you already run, not replace it.

Does the agent block accounts or act on its own?

No. It investigates and recommends, but a person signs off before any account is blocked or a case escalates. The agent does the case-building; the analyst keeps the decision on anything irreversible.

How does it reduce false positives?

Most flagged activity is a false positive. The agent clears the low-value alerts with supporting evidence so analysts spend their time on real cases, turning a queue of scores into a set of investigated conclusions.

What does Tecla's fraud detection build cover?

Tecla scopes the build to your firm: your case management system, transaction data, the third-party sources you query, and the authority limits for what the agent can do. It runs inside your environment under your own controls.

How does the agent keep up as fraud tactics change?

Fraud shifts constantly, so Tecla operates the agent rather than handing it over. A feedback loop learns from each analyst decision, and thresholds are retuned on new patterns every cycle, so catch rate holds as attackers adapt.

How is our data kept secure?

The agent runs in your environment, integrated with your systems, under your own access rules. Sensitive transaction and customer data stays within the boundaries your firm already answers to, and you own and control the system Tecla operates.

How long does a build take?

It starts with a fixed-price Tecla Sprint that scopes and prices the build before you commit. The Sprint maps your alert sources, case system, and authority limits, so the agent that follows fits how your team actually investigates.

We have a fraud team already. Where does the agent fit?

It takes the first-pass triage and case assembly off the team, so investigators spend their time on the alerts that matter. Tecla builds and operates it alongside them, clearing the low-value alerts and escalating the case-worthy ones with documentation.

How do we get started?

A scoping call maps your fraud operation and returns what the agent would cover, how success is measured, and the fixed-price Sprint cost. Book a scoping call with Tecla to start.

Have any questions?
Schedule a call to discuss in more detail.
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