Payment Risk, Fraud & AML Advisory
Building High-Performance FRAML
20+ years of payments, fraud, and AML expertise to design and run FRAML Ops that reduce fraud and AML losses, keep regulators satisfied, and help your business scale with confidence.
Need some help for your business? We would love to speak with you!
$100M+
Chargebacks Managed &
Recovered
250k+
Merchants Onboarded & Risk-Assessed
30%+
Average Chargeback
Reduction
leadership experience
PAYMENTS RISK LIFECYCLE
End-to-End Risk & Compliance Solutions
Comprehensive expertise across every stage of the payments risk
lifecycle—built from two decades managing risk at scale.
Onboarding & Underwriting
KYC
KYB
UBO
MCC Prediction
EDD
Credit Underwriting
Multi-layer KYC/KYB verification, UBO identification frameworks, and risk-based underwriting matrices that accelerate decisions and automate continuous monitoring.
Transaction Monitoring
Real-Time
Velocity
Rules Engine
Device Fingerprint
ML Models
Real-time transaction scoring, velocity controls & analytics, and dynamic rule optimization that continuously adapts to emerging threats while maintaining sub-100ms decision latency.
AML Compliance
PEP
Sanctions
SAR/STR
CDD
Adverse Media
FATF
PEP & sanctions screening, adverse media monitoring, and SAR/STR filing workflows powered by AI that reduces manual review time while ensuring complete audit trails.
Chargebacks & Disputes
Prevention
Representment
Recovery
RDR
CDRN
Ethoca
Pre-dispute alert systems, representment playbooks, and reason code analytics that prevent chargebacks at the source while maximizing recovery rates through intelligent automation.
Fraud Prevention
Money Mules
ATO
First-Party
Synthetic ID
Network Analysis
Mule network identification, behavioral biometrics, and ATO prevention frameworks that leverage advanced PII analysis and transaction data to identify fraud rings and synthetic identities.
AI Agents & Automation
AI Agents
Document AI
OCR
Decision Engine
RegTech
Workflow
AI agent deployment, document processing, and explainable AI compliance that automates document analysis, red flag detection, and regulatory checks—reducing manual review time by 80%.
ENGAGEMENT MODELS
Tailored to Your Requirements
Select the engagement structure that aligns with your organization's needs.
Free
Risk Assessment
15-minute vulnerability analysis with compliance checklist. Identify critical gaps in your risk posture.
$299
Strategic Session
Personalized diagnostic with actionable strategy outline. Clear priorities and risk reduction roadmap.
From $4,999
Transformation Program
Comprehensive SOPs, implementation guidance, and team workshops tailored to your context.
How to Get Started
Recover revenue. Strengthen compliance. Optimize risk decisions. Our audits and advisory deliver actionable insights for your fraud and AML challenges.
Chargeback Audits
In-depth root-cause analysis, win/loss breakdowns, rule optimization, proactive prevention strategies, expert representment guidance – informed by e-commerce payments expertise to safeguard revenue and minimize disputes.
Transaction Monitoring Audits
Pinpoint AML/CFT vulnerabilities through targeted audits featuring AI-powered roadmaps, RBI/FIU-IND compliant policies, streamlined processes, and ready-to-implement SOPs – delivering rapid compliance wins and stronger detection.
Risk Strategy Advisory
Vendor-neutral build-vs-buy recommendations, optimized FRAML workflows and playbooks cutting false positives, fraud losses, manual reviews – delivering precise detections.
MEET THE FOUNDER
Behind The Expertise
Sudhir Sukrutharaj, Founder
With over 20 years at the intersection of payments, fraud prevention, and regulatory compliance—collaborating closely with U.S. agencies like FinCEN, OFAC, and state regulators, as well as India's NPCI, RBI, and FIU-IND—I've built and scaled risk operations for leading institutions including HSBC, Amazon Pay, Razorpay, PhonePe, Noon, ChargebackGurus, and mFilterit.
Hands-on work developing world-class risk systems: merchant onboarding balancing speed with thorough checks, real-time transaction monitoring, automated chargeback management that recovers revenue efficiently, and AML/CFT processes that detect money laundering and terrorist financing threats without disrupting business. These align fully with RBI/NPCI guidelines, FATF recommendations, and FinCEN/OFAC standards.
Key Lesson:
Perfect fraud prevention doesn't exist—zero fraud means zero growth. Instead, focus on identifying critical gaps with high-impact vulnerabilities across business, financial, and regulatory risks. Deploy targeted controls to cut losses, boost acceptance, and deliver maximum ROI through a prioritized roadmap.
Key Lesson:
Perfect fraud prevention doesn't exist—zero fraud means zero growth. Instead, focus on identifying critical gaps with high-impact vulnerabilities across business, financial, and regulatory risks. Deploy targeted controls to cut losses, boost acceptance, and deliver maximum ROI through a prioritized roadmap.
CLIENTS
Trusted by Leading Brands in Past Roles
Risk & Fraud Operations Strategy Assessment
A 4 Week Independent Engagement
A senior led, independent engagement for fintech and payments leaders who want to get risk operations under control, cut fraud losses and analyst workload, and align engineering, data, and risk teams around a do now, do next roadmap.
- Why Your Team Needs This Now
Fintech risk operations are under pressure:
- Risk is treated as a cost centre, so queues and complexity grow faster than engineering and data support.
- Analysts spend hours in "20 tab investigations", switching tools, making inconsistent calls, and losing critical insight.
- Legacy platforms and fragmented vendors slow every change just as fraud patterns evolve faster than ever.
- Policies and models are driven by opinions and fire drills instead of structured case data, creating false positives and customer friction.
This assessment gives you an independent view of what is really broken in risk ops and a clear order of battle, so everyone knows what to fix first.
- What Your Team Gets
In 3–4 weeks you receive a concise, board ready package—not fluff and not a sales pitch.
- Comprehensive diagnostic – End to end review of onboarding, fraud, credit, AML, and chargeback workflows, with a ranked list of highest impact gaps and opportunities.
- Two ready to ship quick wins – Implementable changes your team can deploy immediately to cut losses, clear backlogs, or reduce false positives.
- 3–12 month roadmap – 5–7 prioritized initiatives with owners, effort estimates, dependencies, and quantified impact (for example expected loss reduction or approval uplift).
- Custom KPI framework – Simple metrics to track success: fraud loss reduction, approval rate improvement, investigation efficiency, and regulatory confidence.
Book Your Assessment Now
Get clarity on your risk operations in just 4 weeks. Limited availability each quarter.
Day 1 money back guarantee included
Engagement Timeline
- Week 1: Kick-off & Alignment
- Week 2-3: Fieldwork & Analysis
- Week 4: Report & Executive Readout
- Ready to Get Control?
Schedule your no obligation kick off call today. Availability is limited each quarter to ensure senior level focus on every engagement.
Get Started
Schedule Your Consultation
Ready to transform your fraud and AML operations? Book a free consultation with our experts and discover how we can help protect your business.
30–60 minute focused session
100% confidential discussion
Guaranteed clarity or full refund
Actionable recommendations included
Request Your Free Session
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Building high-performance FRAML operations for banks, payment providers, and fintechs. 20+ years of expertise in fraud prevention, AML compliance, and risk management.
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