Oscilar is proud to announce a new strategic partnership with FinTrace Consulting, a financial crime compliance and investigations advisory firm serving banks, credit unions, non-bank financial institutions, fintechs, other corporate clients, and law enforcement agencies.

The partnership brings together Oscilar's AI Risk Decisioning™ platform and FinTrace's practitioner expertise across AML, FRAML, investigations, and program design. Together, the firms will help organizations modernize financial crime operations, strengthen governance, and respond more effectively to emerging risks.

Applying advanced AI capabilities to solve real-world AML and fraud challenges

Financial institutions today face rising complexity across onboarding, fraud, and AML, yet many still operate with risk systems that were not built to work together. Fragmented tooling slows investigations, complicates SAR workflows, and makes even minor rule changes difficult to test or deploy. Analysts must manually stitch together context across systems, which limits visibility and delays critical decisions.

Oscilar's unified, AI-native platform eliminates these barriers by giving teams the ability to adapt quickly and safely. Analysts can design and test detection logic with a natural-language AI copilot, validate changes with built-in backtesting and versioning, and deploy updates in minutes. Fraud and AML alerts appear within a single investigation workspace, giving teams full context without switching tools. A GenAI-driven SAR narrative engine further streamlines casework and improves narrative quality and consistency.

For Neha Narkhede, Oscilar's CEO and Co-Founder, the partnership represents a needed change in how institutions tackle financial crime. The problem, she explains, isn't just about outdated technology, but about breaking down the operational silos that prevent teams from working effectively.

"Fraud and AML are deeply connected, yet most institutions still rely on legacy tools that keep those functions operating in silos. Oscilar was built to change that," said Narkhede. "By giving analysts the ability to test, tune, and operationalize controls with strong governance without the bottlenecks of traditional systems, we help teams respond quickly and confidently to new risks. Our partnership with FinTrace brings together AI-native technology and field-tested practitioner expertise to support real-time, unified financial crime prevention.”

Monica Morales, Founder of FinTrace Consulting, sees the partnership as a comprehensive solution to one of the most persistent pain points in financial crime operations: the separation between fraud and AML functions, a divide that creates unnecessary work and limits investigative effectiveness.

"Investigations and SAR filing are some of the most resource-intensive parts of any financial crime program, especially when fraud and AML data live in separate systems," said Morales. "Oscilar stands out because it brings those signals together and gives analysts the ability to adapt controls quickly with transparent testing and governance. That combination is rare in today's market. We are excited to partner with Oscilar to bring a more unified, modern, and operationally efficient approach to our clients."

Delivering a modern, end-to-end solution for financial crime programs

The partnership between Oscilar and FinTrace gives financial institutions a clearer path to building financial crime programs that deliver measurable outcomes from day one. By pairing technology and practitioner-led advisory within a unified operating model, institutions gain practical improvements in both efficiency and investigative depth.

Institutions benefit from:

• A unified, cross-domain approach to fraud and AML: Most organizations manage fraud and AML through separate workflows, leading to duplicated investigations and missed connections. The partnership brings these disciplines together so teams can understand customer behavior holistically and resolve cases faster and with more confidence.
  
  

• Faster and safer tuning of risk controls: Instead of waiting weeks for engineering cycles or external vendor changes, analysts can test new scenarios immediately and deploy changes with transparent governance. FinTrace helps ensure institutions apply these capabilities within sound operational frameworks that satisfy regulatory expectations.
  
  

• Stronger investigative outcomes with less manual effort: Teams gain access to consolidated alerts, consistent context across fraud and AML, and AI-assisted workflows that reduce the burden of gathering evidence. FinTrace uses its practical experience to help institutions redesign investigative processes to fully leverage these efficiencies.
  
  

• Higher-quality SAR filings and reduced operational strain: SAR reporting often consumes disproportionate time and resources. With Oscilar's GenAI-assisted SAR narrative generation and structured e-filing workflow, institutions can improve both quality and throughput. FinTrace strengthens this with best practices that improve investigative rigor and reduce downstream revisions.
  
  

• A more adaptive and resilient financial crime program: Together, Oscilar and FinTrace give institutions the ability to respond quickly to emerging risks, expand product offerings safely, and scale compliance operations without adding unnecessary complexity. The combined approach ensures programs remain agile, transparent, and well-governed even as the risk landscape shifts.

As financial crime grows more coordinated and technologically sophisticated, Oscilar and FinTrace are committed to helping institutions build programs that not only meet compliance standards but anticipate threats, streamline operations, and strengthen defenses against increasingly advanced attacks.

About Oscilar

Oscilar powers real-time risk decisioning across fraud, credit, and compliance with a unified, no-code AI Risk Decisioning™ Platform. Our technology leverages agentic AI and advanced signal processing to analyze complex data, detect anomalies, and automate mission-critical decisions with speed and precision. Built by experts from Google, Meta, Uber, Citi, and J.P. Morgan, Oscilar combines deep technical expertise with cloud-native scalability, transparency, and regulatory-grade performance.

About FinTrace Consulting

FinTrace Consulting provides financial crime compliance and risk advisory, managed services, investigations, and litigation support to banks, credit unions, non-bank financial institutions, fintechs, other corporate clients, and law enforcement. Led by founder Monica Morales, FinTrace brings practitioner experience across leading fraud and AML technologies and specializes in helping organizations strengthen AML and FRAML programs, streamline investigations, and scale compliance functions efficiently. Learn more at fintraceconsulting.com