APP Fraud Detection demo

What the demo shows

Fraud teams flag payments a customer is being tricked into sending and step in before they go

A Payment signals agent gathers nine signals for each held payment: the Confirmation of Payee result, the payee account's behavior, the digital session, the account history and the customer's own contacts with the bank. A Typology agent names the likely scam, such as safe-account impersonation, with a confidence and the alternatives. A Script agent writes the questions for that scam from the approved script and adapts the next question to the last answer. On the recorded call, a Listening agent flags answers that sound coached, such as a cover story or being told not to tell the bank. The colleague decides to hold, release or refer; a team leader approves any release of a high-risk payment and any account protection; a Notice agent drafts the delay notice; and a Record agent keeps every question, answer and warning for a later claim and for Consumer Duty outcomes testing.

Transcript

1. 0:00APP Fraud Detection helps banks stop payments customers are tricked into sending.
2. 0:07UK scam victims lost 450 million pounds in 2024; banks must now repay them.
3. 0:16Eileen Marsh, 71, is sending 14,300 pounds to a new safe account.
4. 0:24Confirmation of Payee says no match; agents see safe-account impersonation, and why.
5. 0:33The script agent writes questions for this scam, not a generic warning.
6. 0:39On the call, Eileen says she was told to say it's for a kitchen.
7. 0:44The listening agent flags the coached answer, and the moment it came.
8. 0:50Hannah holds the payment within the legal limit and refers Eileen for support.
9. 0:56Ruth, from the vulnerable customer team, books a branch visit with Eileen's daughter there.
10. 1:03A team leader checks every protection and release; each step is kept for claims.
11. 1:11Each month, about 420 scam payments are stopped before they leave.
12. 1:17Built on Botminds: agents, data, screens and governance on one platform.

The narration as written for the film. Captions are on the player.