OSCILAR AI

Bringing your risk operations to the AI era.

Build faster, act with more precision, and clear alerts in seconds with AI every step of the way. Oscilar’s Agentic Risk Platform combines purpose-built agents, powerful ML models, and rich AI innovation to your risk infrastructure.

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OSCILAR AI

Bringing your risk operations to the AI era.

Get a Demo

See a Product Tour

OSCILAR AI

Bringing your risk operations to the AI era.

Get a Demo

See a Product Tour

OSCILAR AI

Bringing your risk operations to the AI era.

Get a Demo

See a Product Tour

Trusted by institutions building next-gen finance

Create real leverage for your team

Review routine alerts faster, focus on the cases that really matter to your business, and go-to-market faster with agents built to deliver impact.

Create real leverage for your team

Review routine alerts faster, focus on the cases that really matter to your business, and go-to-market faster with agents built to deliver impact.

Create real leverage for your team

Review routine alerts faster, focus on the cases that really matter to your business, and go-to-market faster with agents built to deliver impact.

Faster time to deploy risk policies

Create risk policies from scratch with natural language prompts, run advanced analytics without SQL and get real-time rule recommendations.

45%

Reduction in false positives

Slash false positives without compromising on accuracy. Act faster when it matters, with fewer manual lookups and rich context per alert.

Faster time-to-disposition for AML

Get automated case summaries, run L1 reviews with ease, and create SARs automatically based on your internal SOPs in seconds.

Do more than humanly possible

Financial Institutions have hit a ceiling. As fraud and compliance review costs expand, traditional approaches that focus on manual reviews and siloed data keep FIs on the back foot, driving costs, increasing risk, and limiting scale. Oscilar’s Agent Hub gives you the power to do more without scaling resources.

Do more than humanly possible

Explore the Agent Hub

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Agent Hub

Explore and enable Agents in your Oscilar workspace.

Search Agents

Workflow Agent

Supports analysts in configuring, updating, and refining workflows.

Enabled

RuleRec Agent

Optimizes workflow outcomes based on smart rule suggestions.

Enabled

Analytics Agent

Generates deep insights through natural language questions.

Disabled

AML L1 Agent

Triggers alerts and surfaces escalate/close recommendations.

Enabled

Sanctions Agent

AI-powered hit analysis and disposition recommendations.

Disabled

Fraud Disputes Agent

Insight gathering, reasoning, and recommendedations for alerts and disputes.

Disabled

Credit Explainability Agent

Human-readable, regulator-ready rationale for every Credit Ops rule recommendation.

Enabled

SAR Narrative Agent

Drafts SAR narratives using structured case data, transaction history, and internal policies.

Enabled

Focus on the alerts that really matter.

Oscilar’s agents are built to augment your team and think like they do, with the scale of AI. Clear routine alerts faster and focus on the alerts that matter most.

AML Agent Review

High

Repeated outbound transfers

Incomplete counterparty info

See all flags

Review

Create your own AI Agents.

No one knows your business context better than you. Until now. Create your own agents from within the Oscilar platform and configure sophisticated rules to prevent risk on your terms.

AI Task

My Custom Agent

Output

task_result

Model Tier

Balanced

Temp.

0.2

Agent Instructions

Use ${variable} to reference workflow values.

Empower your teams to build.

Oscilar’s agents give your teams the tools to do things that they could not do yesterday. Build new risk workflows, run advanced analytics without SQL expertise, and get-to-market faster.

I’ve analyzed recent decisions and found 2 rules to optimize your workflow.

Rule 1

↓

False Positives

-6.39%

Rule 2

↑

Recall

+32.9%

Add 2 rules

Reject

Built to work together

Don't just automate. Orchestrate.

Make intelligent decisions with orchestrated AI agents that carry context across alerts, connect the dots between fraud, credit, and compliance data, and escalate intelligently.

Built to work together

Don't just automate. Orchestrate.

Make intelligent decisions with orchestrated AI agents that carry context across alerts, connect the dots between fraud, credit, and compliance data, and escalate intelligently.

Explore the Agent Hub

Request a Demo

❶

Workflow Agent

"I've created your CDD flow with additional fraud step-up checks."

❷

Analytics Agent

"Here's the graph detailing escalation and false positive and rate by analyst."

❸

AML L1 Agent

"Here's the alert summary and recommended disposition. Would you like to review?"

"At MoneyGram, we’re reimagining the future of work by embracing AI across all corners of the organization."

Anthony Soohoo

Chief Executive Officer

"At MoneyGram, we’re reimagining the future of work by embracing AI across all corners of the organization."

Anthony Soohoo

Chief Executive Officer

"At MoneyGram, we’re reimagining the future of work by embracing AI across all corners of the organization."

Anthony Soohoo

Chief Executive Officer

"At MoneyGram, we’re reimagining the future of work by embracing AI across all corners of the organization."

Anthony Soohoo

Chief Executive Officer

The most advanced toolbox for risk professionals.

Oscilar AI empowers fraud, compliance, and credit teams with agentic intelligence. Make every risk decision with confidence.

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10x Faster Risk Ops

Stop drowning in manual reviews. Our AI agents autonomously investigate alerts, generate risk narratives, and surface hidden patterns across millions of data points. Reduce investigation time from hours to minutes so your team can focus on strategic decisions.

Precision at Scale

Deploy specialized AI agents that understand your unique risk landscape. From payment fraud to AML compliance, each agent continuously learns from your data to deliver increasingly accurate decisions while adapting to emerging threats in real-time.

AI You Can Trust

Every AI decision comes with clear explanations and full audit trails. Our bounded, goal-based approach ensures human oversight at critical points, while governance frameworks maintain regulatory compliance and prevent bias.

Foundational tuned models.

High-performance AI models and data features combine domain-specific fraud intelligence with institution-level optimization. Unlike generic consortium models, Foundational Tuned Models are fine-tuned using your unique transaction data, fraud signals, and payment behaviors.

Talk with an expert

→

Faster Model
Re-training

Continuously updated with customer-specific fraud typologies (e.g., ACH chargeback fraud, account takeovers, money mule detection).

Adaptive Risk
Decisioning

Leveraging supervised learning, anomaly detection, and graph-based fraud networks to detect evolving fraud tactics.

Real-Time Learning
Pipelines

Automatically refining fraud detection through live behavioral insights and fraud case feedback.

Multi-Payment-Type Precision

Optimized fraud detection across ACH, cards, wallets, SWIFT transactions, and more for higher accuracy across your payments ecosystem.

SECURITY AND GOVERNANCE

Audit-ready AI built to put you in control.

You’re in control with human-augmented AI

The final say is yours. Human-augmentation means that when it matters most, your team is in the driving seat for final AI Agent decisions, driving responsible innovation.

You’re in control with human-augmented AI

The final say is yours. Human-augmentation means that when it matters most, your team is in the driving seat for final AI Agent decisions, driving responsible innovation.

Trace decisions with full auditability

Oscilar’s AI Agents provide a full audit trail, with every alert showing the input, the agent’s reasoning, and the final output, helping you to maintain regulatory posture.

Trace decisions with full auditability

Oscilar’s AI Agents provide a full audit trail, with every alert showing the input, the agent’s reasoning, and the final output, helping you to maintain regulatory posture.

Stay secure with leading data encryption

We encrypt your data in storage using the industry-standard AES-256 encryption algorithm using a 256-bit key. All the data in transit is encrypted using SSL/TLS.

Stay secure with leading data encryption

We encrypt your data in storage using the industry-standard AES-256 encryption algorithm using a 256-bit key. All the data in transit is encrypted using SSL/TLS.

AICPA SOC 2 for Service Organizations certification badge

ISO 27001 Information Security Management System certification badge

SSO/MFA Access
Penetration Tested
Securely Hosted
Restricted APIs
AES-256 Encrypted

More about security

→

Go ahead, read our minds.

Introducing the Oscilar Agent Hub

Agent Hub brings more than 30 specialized agents across fraud, AML compliance, credit, onboarding, sanctions, disputes, analytics, workflow creation, and explainability onto one shared risk memory.

Neha Narkhede

Introducing the Oscilar Agent Hub

Agent Hub brings more than 30 specialized agents across fraud, AML compliance, credit, onboarding, sanctions, disputes, analytics, workflow creation, and explainability onto one shared risk memory.

Neha Narkhede

AI Loan Underwriting Software: A Guide (Preview)

How AI loan underwriting works in production, what responsible model deployment takes, and where credit underwriting software fits in a lending stack.

Farrah Appleman

AI Loan Underwriting Software: A Guide (Preview)

How AI loan underwriting works in production, what responsible model deployment takes, and where credit underwriting software fits in a lending stack.

Farrah Appleman

Named to Chartis FCC50 2026 for Agentic AI

Oscilar has been recognized by Chartis for enabling AI-native real-time decisions across fraud, compliance, and credit.

Farrah Appleman

Named to Chartis FCC50 2026 for Agentic AI

Oscilar has been recognized by Chartis for enabling AI-native real-time decisions across fraud, compliance, and credit.

Farrah Appleman

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FAQ

Glad you asked.

How does Oscilar AI differ from traditional rule-based systems?

Unlike static rule engines, Oscilar AI uses bounded, goal-based agents that adapt to changing threats in real-time. Our agents can identify patterns humans might miss, suggest rule optimizations, and even predict emerging fraud tactics—all while providing clear explanations for every decision. Think of it as evolving from a checklist to having an expert risk analyst working 24/7.

Will AI agents make decisions without human oversight?

No. Oscilar AI operates on a "human-in-the-loop" principle. While our agents automate routine tasks and provide recommendations, critical decisions—like blocking accounts or changing risk thresholds—always require human approval. You maintain full control while benefiting from AI's speed and scale.

How quickly can we implement Oscilar AI?

Most teams see value within days. Expression Generation and Workflow Copilot work immediately with your existing data. Specialized agents like AML Alert Triage typically deploy within 2-4 weeks, learning from your historical data to provide tailored insights. Our Docs Agent guides you through the entire process.

How does Oscilar AI ensure compliance and prevent bias?

Every AI model undergoes rigorous testing for bias and disparate impact before deployment. All decisions include audit trails showing exact reasoning, data sources, and confidence levels. Our governance framework ensures changes pass through proper review channels, and we continuously monitor for model drift to maintain accuracy and fairness.

Can Oscilar AI work with our existing tools and data?

Absolutely. Oscilar AI integrates with your current data sources, case management systems, and compliance tools. Our agents enhance rather than replace your existing infrastructure, learning from your unique data patterns while respecting your established workflows and governance processes.

What ROI can we expect from Oscilar AI?

While every risk team is different, customers typically see 30-50% reduction in manual review time, 25% decrease in false positives, and significantly faster rule deployment. For a mid-size financial institution, this often translates to $2-5M annual savings in operational costs while improving customer experience through reduced friction.