About Oscilar

Founded by tech veterans Neha Narkhede (co-founder of Confluent and co-creator of Apache Kafka) and Sachin Kulkarni (who engineered Meta's distributed risk systems), Oscilar was built to transform online risk management from a reactive, engineering-heavy burden into a proactive, strategic advantage. Operating in the financial technology sector, the company provides an end-to-end operational hub that unifies complex data streams to protect businesses and their users in an increasingly AI-driven threat landscape.

The platform leverages specialized agentic AI alongside advanced device and behavioral biometrics to monitor the entire customer journey—from account opening to transactional payments. Built for scale, security, and low latency, Oscilar processes billions of annual decisions in under 100 milliseconds. Crucially, the system democratizes risk operations for risk managers and analysts by incorporating natural language modeling; teams can easily design, test, and implement complex fraud policies using plain English, bypassing the need for extensive coding, SQL queries, or engineering intervention.

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.

For more information, please visit oscilar.com

Contact @ Oscilar

Adrian Cross | Email: adrian@oscilar.com