Oscilar
Oscilar
Oscilar
Oscilar is an AI-native Risk Decisioning™ platform that empowers financial institutions to manage customer onboarding, fraud, credit underwriting, and regulatory compliance in real time through an intuitive, low-code interface.
Oscilar is an AI-native Risk Decisioning™ platform that empowers financial institutions to manage customer onboarding, fraud, credit underwriting, and regulatory compliance in real time through an intuitive, low-code interface.
Integrated Partner
CATEGORIES
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Integrated Partner
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Risk & Modeling
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Fraud Detection
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Legal & Compliance
Resources
Website
Point of Contact
Overview
Oscilar is an AI-native risk decisioning platform covering onboarding, fraud, credit underwriting, and compliance in one real-time engine. Founded by Neha Narkhede (Confluent, Apache Kafka) and Sachin Kulkarni (Meta), it pairs agentic AI with device and behavioral biometrics, decisions in under 100 milliseconds, and lets risk teams author policy in plain English rather than code.
Product and Offerings
AI Risk Decisioning™ Platform: An all-in-one, real-time risk engine that unifies onboarding, credit, fraud, and compliance tracking into a single dashboard to provide a 360-degree view of the customer journey.
Specialized AI Agents: Autonomous, goal-oriented agents designed for specific risk vectors. These include:
Payment Fraud Agent: Dynamically scores and mitigates transaction anomalies (ACH, wire, card, real-time payments).
Account Takeover Agent: thwarts breaches using behavioral metrics.
Account Opening / Identity Verification Agent: Combats synthetic identities and automated bot sign-ups.
First-Party Fraud & Scam Detection Agents: Protects against push-payment fraud and user misrepresentation.
Cognitive Identity Intelligence: Security-aware telemetry that uses over 1,000 distinct signals—including behavioral biometrics (typing rhythms, mouse movements, screen usage) and network intelligence (device fingerprinting, proxy detection, bot behaviors)—to authenticate legitimate users while resisting environmental spoofing.
No-Code/Low-Code Real-Time Workflows: A drag-and-drop workflow creator allowing risk managers to describe risk logic in natural language and instantly see them deployed into production rules.
AI-Assisted Case Management: Accelerates manual review times by utilizing explainable AI summaries, visual relationship graphs, and automated routing queues based on the severity and type of case.
Advanced Simulation & Testing: Enables immediate backtesting and A/B testing utilizing historical data to verify the efficiency of new rules and strategies before they are deployed live.
Real-Time Data Fabric: Features over 80 built-in integrations alongside a unified API to ingest, enrich, and aggregate first-party and third-party data seamlessly.
Use Cases
Decision onboarding, credit, fraud, and compliance checks in a single engine instead of stitching together separate vendors.
Let risk analysts write and test fraud policy in plain English and ship changes without an engineering cycle.
Detect account takeover and payment fraud across ACH, wire, card, and real-time payments using device and behavioral signals.
Hold sub-100ms decision latency in high-volume application and transaction flows.
Overview
Oscilar is an AI-native risk decisioning platform covering onboarding, fraud, credit underwriting, and compliance in one real-time engine. Founded by Neha Narkhede (Confluent, Apache Kafka) and Sachin Kulkarni (Meta), it pairs agentic AI with device and behavioral biometrics, decisions in under 100 milliseconds, and lets risk teams author policy in plain English rather than code.
Product and Offerings
AI Risk Decisioning™ Platform: An all-in-one, real-time risk engine that unifies onboarding, credit, fraud, and compliance tracking into a single dashboard to provide a 360-degree view of the customer journey.
Specialized AI Agents: Autonomous, goal-oriented agents designed for specific risk vectors. These include:
Payment Fraud Agent: Dynamically scores and mitigates transaction anomalies (ACH, wire, card, real-time payments).
Account Takeover Agent: thwarts breaches using behavioral metrics.
Account Opening / Identity Verification Agent: Combats synthetic identities and automated bot sign-ups.
First-Party Fraud & Scam Detection Agents: Protects against push-payment fraud and user misrepresentation.
Cognitive Identity Intelligence: Security-aware telemetry that uses over 1,000 distinct signals—including behavioral biometrics (typing rhythms, mouse movements, screen usage) and network intelligence (device fingerprinting, proxy detection, bot behaviors)—to authenticate legitimate users while resisting environmental spoofing.
No-Code/Low-Code Real-Time Workflows: A drag-and-drop workflow creator allowing risk managers to describe risk logic in natural language and instantly see them deployed into production rules.
AI-Assisted Case Management: Accelerates manual review times by utilizing explainable AI summaries, visual relationship graphs, and automated routing queues based on the severity and type of case.
Advanced Simulation & Testing: Enables immediate backtesting and A/B testing utilizing historical data to verify the efficiency of new rules and strategies before they are deployed live.
Real-Time Data Fabric: Features over 80 built-in integrations alongside a unified API to ingest, enrich, and aggregate first-party and third-party data seamlessly.
Use Cases
Decision onboarding, credit, fraud, and compliance checks in a single engine instead of stitching together separate vendors.
Let risk analysts write and test fraud policy in plain English and ship changes without an engineering cycle.
Detect account takeover and payment fraud across ACH, wire, card, and real-time payments using device and behavioral signals.
Hold sub-100ms decision latency in high-volume application and transaction flows.
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