AI / Solutions
Fraud Detection & AML.
Indonesian financial services lost $2.1 billion to fraud in 2024. AI-driven fraud cases surged 1,550% year over year. In April 2025, OJK made AI-powered transaction monitoring a supervised requirement for banks, not a nice-to-have. We build fraud and AML detection for Indonesian banks, fintechs, and insurers with bias-tested models, audit-traceable decisions, and OJK-ready documentation.
The loss number is $2.1 billion. The regulator has acted. The market knows.
Fraud and AML compliance in Indonesian financial services changed in 2025. OJK's April guidance made AI-powered transaction monitoring a required capability for banks, with specific documentation requirements on model validation, bias testing, drift monitoring, and human oversight on high-risk decisions. Second-tier banks and mid-market fintechs that haven't upgraded are operating on borrowed time. We build detection systems that combine transaction monitoring, document-level fraud signals from claims and invoices, and AML workflows, bias-tested, audit-traceable, and deployable in weeks.
How we build fraud AI that earns OJK approval
Four phases that treat regulatory documentation as a design input, not an afterthought.
Discover
We map your fraud surface. Transaction flows, onboarding paths, claims intake, invoice routing, anywhere value moves. We inventory your current rules, your historical fraud patterns, your false-positive rate, and your regulator surface (OJK April 2025 guidance, BI AML supervisory requirements, UU PDP data-subject rights).
Pilot
A six-week pilot on one fraud domain, typically transaction monitoring for a specific product, or document fraud detection on claims or invoices. We build the signal models, the alerting pipeline, the human-review queue, and the audit-log layer end to end. Pass/fail on signal recall at target false-positive rate.
Validate
Where the OJK audit lands. We engineer the evaluation harness: bias testing across customer segments, drift monitoring at production scale, explainability for every alerted decision, and human-oversight trigger documentation. Red-teaming with synthetic fraud scenarios.
Scale
Handover to your fraud ops and compliance teams. New signals and new products added as modules. Quarterly revalidation cadence aligned to OJK expectations. You get the runbook, the evaluation dashboards, and the regulator-ready audit export.
What we build for your fraud and AML ops
Four disciplines that together replace a patchwork of rules with a governed, audit-ready detection system.
Transaction Monitoring & Signal Models
Real-time and batch signal models for transaction flows, velocity, network anomaly, behavioral drift, AML typology matching. Bias-tested across customer segments. Explainability built into every alert so analysts know why the signal fired.
Document Fraud Detection
Document-level fraud signals for claims, invoices, KYC documents, synthetic-document detection, duplicate filing, tampering indicators. Works with the Document Intelligence pipeline so fraud detection and adjudication share the same extraction layer.
AML Workflows & Case Management
Alert-to-case workflow with link analysis, cross-product signal correlation, analyst queue prioritization, and SAR (Suspicious Activity Report) preparation. Designed for BI OSIDA and OJK AML reporting flows.
Audit Trails & Regulatory Documentation
OJK-ready documentation baked in: model validation records, bias test results, drift monitoring outputs, human-oversight trigger logs, and decision-level audit trails. Export formats aligned to OJK and BI reporting requirements.
Fraud and AML AI in action
The loss number, the fraud surge, the regulatory mandate, the Indonesian market has handed the sector a deadline.
$2.1 billion lost to fraud in Indonesian financial services in 2024
Direct financial losses in Indonesian banking, fintech, and insurance hit $2.1 billion in 2024, with AI-driven fraud cases surging 1,550% year over year. The cost of not modernizing has moved from abstract to quantified. Every quarter of delay is measurable in the loss column.
OJK made AI-powered transaction monitoring a supervised requirement
The April 2025 OJK AI Governance Guidance requires banks to operate AI-powered transaction monitoring with documented model validation, bias testing, drift monitoring, and human oversight on high-risk decisions. For banks still running rules-only systems, the audit cycle is counting down.
BI is accelerating AML supervisory technology adoption
Bank Indonesia's OSIDA supervisory technology initiative is accelerating the cadence at which banks must deploy and demonstrate AML capability. The combined pressure from OJK and BI is reshaping what a credible AML operation looks like.
What's trending in fraud and AML
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Which fraud surface is costing you the most, and which audit are you preparing for next?
Tell us the fraud or AML flow that's the highest priority, transaction monitoring, KYC onboarding, claim fraud, invoice fraud, AML alert-to-case. We'll scope a six-week pilot with real data, real signal targets, and an OJK-ready evaluation harness.
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