According to PwC, the global financial criminal economy is estimated to exceed $5 trillion annually. But for most businesses, this isn’t just a compliance issue — it’s a bottom-line problem.

Fraud erodes revenue through account takeovers, synthetic identities, and chargebacks. AML failures, on the other hand, expose companies to fines, operational risk, and reputational damage.

Yet in many organisations, onboarding, fraud detection, and AML compliance are still handled in separate systems. Data is scattered. Visibility is limited. And teams are stuck reacting to threats instead of preventing them.

At FrankieOne, we offer a simple, fast-to-implement solution that gives you a complete, easy-to-understand view of your customer in one place. Our powerful identity fraud and orchestration layer is transforming how leading banks, fintechs, platforms, and service providers manage risk and protect their customers.

A Single API for the Entire Risk and Compliance Lifecycle

FrankieOne unifies fraud and AML signals across the full customer lifecycle, not just at onboarding.
With a single API, you get access to a global network of 350+ KYC, identity, and fraud detection providers. That means you can assess risk, verify identity, monitor behaviour, and screen transactions—all in one platform, all in real time.

No more duct-taped workflows or switching between tools. Just one cohesive system that adapts as your customers and the risks evolve.

Graduated Onboarding: Dynamic, Risk-Based Verification

Not every customer represents the same risk. Our Graduated Onboarding model recognises this and adapts accordingly.

When a new customer enters your flow, we assess over 1,000 signals, including device intelligence, phone and email integrity, geolocation, and behavioural biometrics, to calculate a real-time fraud risk score.

• Low-risk users proceed with minimal friction.
• Medium-risk users may trigger document or biometric checks.
• High-risk users are flagged for enhanced due diligence or automatically rejected.

This risk-based approach improves straight-through pass rates, reduces false positives, and cuts verification costs by avoiding unnecessary checks on high-risk users — all while maintaining a smooth experience for trusted customers.

Fraud Protection Beyond Onboarding

With FrankieOne, fraud prevention doesn’t stop at signup. Our continuous monitoring layer tracks user activity across sessions and transactions.

Even verified users aren’t immune. Account takeovers often occur well after signup, during login events, password resets, or profile updates. And most fraud happens when money moves — not when accounts are created.

Our integrated Activity & Transaction Monitoring solution keeps watch at every touchpoint:

• Activity Monitoring tracks login behaviour, device changes, and suspicious session activity, detecting threats like credential stuffing or remote access tools before damage is done.
• Transaction Screening assesses risk at the point of transfer, checking for anomalies in device, amount, velocity, and destination.
• AML & Transaction Monitoring goes deeper, combining behavioural signals, typology detection, and global watchlist checks to flag laundering patterns, mules, and suspicious networks.

The best part? Everything is orchestrated in real time, with configurable rules, AI-assisted case management, and full audit trails, so you can meet your compliance obligations without slowing your operations.

One Integration to Manage Identity, Fraud, and Compliance

By combining identity verification, fraud detection and AML oversight in one place, FrankieOne reduces false positives, accelerates threat response, and helps organisations stay ahead of both risk and regulation.

Stop wasting resources on fraudsters: With silent checks like device, email, and phone risk, we can identify and block high-risk users early — before triggering expensive IDV or AML screening.

Improve pass rates without increasing risk: Low-risk users move through quickly, while medium- and high-risk profiles follow dynamic, rule-based verification paths.

Deliver a seamless experience for legitimate customers: Passive fraud signals enable faster onboarding and fewer drop-offs, with no compromise on security.

What Makes FrankieOne Different

We’re not just offering tools — we’re helping teams build a connected, intelligent fraud response. That means:

• Plug-and-play integrations with leading data and risk providers, including Sardine, Unit21, Ekata (Mastercard), Emailage, and ThreatMetrix.
• Customisable risk logic that aligns with your sector, product, and evolving compliance needs.
• A single API and decision engine that lets you orchestrate identity verification, and KYC/AML and fraud workflows in one place.

We’ve helped some of the most trusted names in banking, fintech, and wagering streamline compliance and fraud workflows, including Westpac, PointsBet, and other industry leaders navigating complex regulatory and fraud challenges.

This is fraud and compliance done differently: continuous, intelligent, and built for scale.

Discover how our solution advances your fraud capabilities ->