Stops fraud before funds leave the institution.
Cipher monitors traditional financial infrastructure in real time, builds a behavioral baseline for every account, and acts autonomously inside banking systems — within the settlement window, before money is gone.
The raw signal — read continuously.
Live ACH transfers, SWIFT messages, wire requests, and card authorizations.
Corporate registries, credit bureaus, property records, and global PEP watchlists.
Behavioral telemetry during sessions — typing speed, mouse movement, device fingerprint, and location.
The patterns of a financial crime, recognized in milliseconds.
Velocity anomalies
Accounts jumping from near-zero activity to multiple high-value transactions within hours.
Round-number structuring
Repeated transfers just below regulatory reporting thresholds.
Fan-out
One large inbound wire instantly split across dozens of outbound accounts.
Dormancy-to-burst
Long-inactive accounts suddenly coordinating inbound and outbound flows.
Geographic impossibility
A card used in two distant places within the same 30-minute window.
Session behavior shift
Typing, mouse, and device signals inconsistent with the real owner.
BEC timing
Fraudulent wire requests arriving on Fridays or before holidays, when approval chains are thin.
Privilege escalation
Employees touching accounts or systems outside their role.
Coaching-call signature
Unusual session length paired with a large transfer attempt, a classic social-engineering tell.
Detection is half the job. Action is the rest.
Every action passes through the policy engine before execution — and is logged for audit.
Places automated holds on outbound transfers within the settlement window.
Triggers step-up authentication — face match or hardware token — on borderline transactions instead of blocking outright.
Flags Business Email Compromise — vendor wire requests to new or unrecognized accounts.
Tracks insider threats — off-hours exports, unusual file access, unauthorized account reviews.
Protects wealth accounts from elder abuse — sudden liquidations or beneficiary changes.
Intercepts transfers when a customer is being coached on a live call.
Auto-drafts SARs formatted for FinCEN, MiCA, or local regulators.
Runs perpetual KYC — checking registries, PEP lists, and ownership structures daily.
Under the hood— for technical readers
Gradient-boosted trees (XGBoost, LightGBM) for risk scoring; LSTM/Transformer models for behavioral baselines; Isolation Forest and autoencoders for anomaly detection; online learning (River) for continuous baseline updates without batch retraining.
Put Cipher on your front line.
Book a walkthrough tailored to your exposure and watch it run on representative scenarios.