# RaptorX AI - LLMs.txt

## Company Overview

RaptorX AI is an advanced AI-powered fraud detection and risk intelligence company founded in 2024. The company focuses on revolutionizing financial crime detection through cutting-edge technology, combining graph analytics, AI models, and real-time insights to help financial institutions build proactive, scalable, and intelligent systems.

**Mission**: Enabling resilient financial systems through AI-driven detection and eradicating fraud, money laundering, and financial crime networks that destabilize businesses and economies.

**Founded**: 2024
**Location**: Hyderabad, Telangana, India

## Core Technology & Capabilities

### AI-Powered Detection Engine

- **Graph Analysis**: Visualizes and traces complex money laundering patterns and fraud rings
- **Entity Resolution**: Links accounts across devices, IPs, and SSNs
- **Real-time Pattern Detection**: Processes Zelle, ACH, FedWire, UPI, and IMPS transactions
- **Graph-based Scoring**: Reduces alert fatigue while increasing fraud precision
- **Cross-channel Anomaly Clustering**: Unified intelligence across multiple payment channels

### Key Technical Features

- **Real-time Risk Scoring**: Under 250ms response time
- **Explainable AI**: Every alert backed by clear logic and visual graph-based evidence
- **Semi-supervised Learning**: Detects unknown, first-time fraud without labeled data
- **Auto-escalation**: Seamless integration into case queues with evidence snapshots
- **Legacy Integration**: Compatible with Finacle, TCS BaNCS, Infosys Edge, and legacy cores

## Target Markets & Solutions

### Primary Markets

- **United States Banking**: Specialized for U.S. financial institutions
- **India Banking**: Tailored for India's digital banking ecosystem
- **Mid-market Financial Institutions**: Scaling globally

### Industry Focus

- Banks and Financial Institutions
- Payment Processors
- Digital Wallets
- Retailers with Loyalty Programs

## Fraud Detection Capabilities

### Key Threat Detection

1. **Zelle/ACH Mule Rings**: Coordinated networks and human-led laundering disguised as peer-to-peer transactions
2. **Account Takeover (ATO) & Credential Stuffing**: Detecting when behavior doesn't match legitimate user patterns
3. **Synthetic ID Onboarding (AML)**: Identifying constructed identities that pass initial checks
4. **Business Email Compromise (BEC)**: Connecting payment behavior to intent analysis
5. **Elder Fraud & Gift Card Abuse**: Flagging behavioral shifts and unnatural payment paths
6. **UPI/IMPS Velocity Abuse**: High-speed transaction abuse in Indian payment systems
7. **Loyalty & Gift Card Abuse**: Reward point manipulation and gift card exploitation
8. **Mule Account Detection**: Identifying dormant accounts reactivated for fraud

### Specialized Detection Features

- **Dormant Account Reactivation**: Flags suddenly active dormant accounts
- **Alias Pattern Recognition**: Detects reused devices, IPs, and beneficiaries across names
- **Burst Activity Monitoring**: Identifies small-value bursts avoiding traditional thresholds
- **Channel Hopping**: Tracks cross-channel movement (UPI → IMPS → wallets)
- **Geo Clustering**: Identifies concentration patterns near colleges, factories, or branches
- **KYC Mismatch Detection**: Cross-validates document fraud and identity inconsistencies

## Compliance & Regulatory Features

### Regulatory Alignment

- **FinCEN & OCC-aligned**: Rule framework compliant with U.S. regulations
- **RBI-aligned**: 200+ AML rule pack for Indian banking
- **Automated STR/SAR Filing**: Reduces manual compliance work by 50%
- **GDPR Compliance**: Data protection and privacy compliance measures

### Compliance Capabilities

- **Automated Regulatory Reporting**: Streamlined AML workflows
- **STR/SAR Queue Integration**: Direct integration into compliance queues
- **Audit Trail**: Complete transaction and decision tracking
- **Data Protection**: SSL encryption, firewalls, and access controls

## Performance Metrics & Benefits

### Fraud Detection Improvements

- **40-50% Reduction** in false positives
- **30-50% More Fraud** uncovered compared to traditional systems
- **40% Reduction** in overall fraud losses
- **50% Faster** investigation times

### Cost Savings

- **$5M+ Annual Savings** from reduced false positives
- **$20M+ Fraud Loss Prevention** annually
- **50% Reduction** in AML compliance costs
- **$2M+ Annual Savings** in compliance operations

### Operational Efficiency

- **60-80% Improvement** in detection accuracy
- **Real-time Processing**: Under 250ms response time
- **24/48 Hour Detection**: Silent mule detection within 48 hours of activation
- **Reduced Investigation Time**: 50% faster fraud investigations

## Solutions by Category

### Risk Management Solutions

1. **Mule Account Detection**: Hidden network identification and dormant account monitoring
2. **Synthetic ID Fraud Detection**: Early detection of constructed identity fraud
3. **Loyalty & Gift Card Abuse**: Reward system protection and refund scheme prevention

### Regional Solutions

1. **U.S. Banking Solutions**: Zelle, ACH, FedWire fraud prevention
2. **India Banking Solutions**: UPI, IMPS, NEFT fraud detection with RBI compliance

### Industry-Specific Solutions

1. **Bank Solutions**: Comprehensive fraud and AML protection
2. **Retail Solutions**: Loyalty program and gift card abuse prevention

## Technology Integration

### System Compatibility

- **Legacy Banking Systems**: Finacle, TCS BaNCS, Infosys Edge integration
- **Modern APIs**: RESTful API integration for real-time processing
- **Multi-channel Support**: Supports all major payment channels
- **Cloud Ready**: AWS/Azure deployment capabilities

### Data Processing

- **Real-time Analytics**: Instant transaction processing and scoring
- **Graph Database**: Neo4J for relationship mapping and pattern detection
- **Machine Learning**: Self-learning AI models adapting to new fraud tactics
- **Data Visualization**: Interactive dashboards and investigation tools

## Contact & Business Information

### Contact Details

- **Email**: info@raptorx.ai
- **Website**: https://raptorx.ai
- **Demo**: 30-minute product demonstrations available

### Services Offered

- **Product Demonstrations**: Comprehensive 30-minute demos with fraud detection experts
- **Implementation Support**: Full integration assistance with existing banking systems
- **Compliance Consulting**: AML and regulatory compliance guidance
- **Custom Solutions**: Tailored fraud detection solutions for specific use cases

### Current Openings

- Senior Software Engineer (Hyderabad, India)
- Tech Lead - Fintech Solutions (Hyderabad, India)
- Compliance and Regulatory Specialist (Hyderabad, India)

## Market Impact & Industry Context

### Global Financial Crime Statistics

- **$2.5 Trillion**: Annual global cost of money laundering and financial fraud
- **60-70%**: Traditional fraud detection false positive rates
- **$5B+**: Annual global non-compliance fines
- **$30M+**: Average annual bank losses to fraud rings and money laundering

### Competitive Advantages

1. **First-time Fraud Detection**: Identifies unknown fraud patterns without historical data
2. **Graph-based Intelligence**: Reveals hidden relationships traditional systems miss
3. **Real-time Processing**: Instant fraud prevention during transaction processing
4. **Explainable AI**: Clear reasoning for every fraud alert and decision
5. **Low False Positives**: Significant reduction in false alerts compared to rule-based systems

## Privacy & Security

### Data Protection Measures

- **Encryption**: SSL encryption for all data transmission
- **Network Security**: Firewalls and intrusion detection systems
- **Access Control**: Strict authentication and authorization mechanisms
- **Data Governance**: GDPR-compliant data handling and user rights protection

### User Rights

- **Data Access**: Right to access personal data held by the company
- **Data Correction**: Right to request corrections to inaccurate information
- **Data Deletion**: Right to request deletion of personal data
- **Communication Opt-out**: Right to opt-out of promotional communications

This comprehensive overview covers RaptorX AI's complete service portfolio, technical capabilities, market positioning, and business operations as of September 2025.