Results at a Glance

• Up to 15% increase in auto-adjudication in the first month

• 50% faster manual case review times

• No missed SLAs reported since launch

• Backlogs eliminated within the first month

• 50% faster turnaround on manual underwriting

As a global payment technology provider serving businesses across North America, Europe, APAC, and beyond, Nuvei enables companies to accept next-gen payments, manage payouts, issue cards, and operate securely across more than 200 markets, 150 currencies, and 720 alternative payment methods.

But as Nuvei’s global footprint expanded, so did the complexity of its risk and underwriting operations. Supporting higher volumes, new regions, and evolving regulatory requirements with fragmented, legacy systems became increasingly difficult, putting pressure on underwriters, slowing decisions, and risking operational bottlenecks.

The imperative? Modernize risk infrastructure without sacrificing control, compliance, or global flexibility.

The challenge: Scaling global risk with fragmented, legacy systems

Nuvei's existing risk platform struggled to keep up with the pace of growth. It lacked modern automation, AI-driven insights, and the flexibility needed to adapt workflows across regions. Underwriters spent too much time on manual reviews, and operational friction increased as teams jumped between systems and vendors.

Daniel Hough, Director of Risk & Underwriting at Nuvei, described the limitations:

"Our prior solution just didn’t offer the forward-thinking functionality we needed: AI, automation, or tools to make complex recommendations beyond basic rule sets. Oscilar gives us the flexibility and intelligence to manage our portfolio in entirely new ways, and that's a big deal for us."

Operational strain compounded the problem. After long weekends or holidays, teams often returned to large queues and mounting backlogs, increasing the risk of missed SLAs. Meanwhile, strict regional compliance requirements, such as FINTRAC in Canada, made automation even harder to achieve under the legacy system. Nuvei knew it couldn't scale global risk operations without rethinking its foundational infrastructure.

A compounding need: More automation, more flexibility, less friction

Improving automation and reducing operational cost were top priorities. As Hough explained:

"We were really interested in increasing automation and auto-adjudication so our underwriters could spend time on genuinely complex situations instead of checking boxes on simpler ones."

Nuvei also wanted to put control back in the hands of its risk teams. Analysts needed to adjust policies, workflows, and thresholds independently without relying on engineering for every change.

Building an in-house solution was considered, but deprioritized due to complexity, cost, and time to value. And while many "all-in-one" platforms promised global coverage, most were rigid with fixed UIs, fixed vendors, and limited extensibility.

Oscilar stood out for its flexibility.

"A lot of platforms are turnkey but pre-designed. You either fit their tools or you don’t," said Hough. "I think of Oscilar as a blank canvas: the workflows and integrations are your brushes and paint. You can tailor it to whatever you need, while still keeping everything in one place."

Unified workflows, faster decisions, and automation at scale

Nuvei implemented Oscilar as a single, unified platform for underwriting and transaction monitoring, bringing together workflows that had historically lived in separate systems.

Oscilar's unlocked new capabilities:

• Region-specific workflows across the U.S., Canada, EU, and APAC

• Vendor-agnostic integrations, allowing each region to use preferred data sources

• A modern UI/UX that underwriters immediately lauded

• AI-driven analytics that surfaced issues Nuvei had never been able to diagnose before

• Unified underwriting and transaction monitoring in one system

That unification proved transformative. Previously disconnected teams could finally share insights seamlessly.

"Underwriting and transaction monitoring are really two sides of the same coin. Oscilar finally lets them talk to each other and work in lockstep," Hough explained.

The Oscilar impact: Faster underwriting, zero missed SLAs, and immediate gains

Nuvei began seeing measurable improvements within the first month of launch. As transaction volume flowed into the platform, Oscilar’s analytics engine quickly identified optimization opportunities.

“Within the first month, auto-adjudication increased by 10 to 15 percent. That’s a massive improvement,” said Hough.

Manual underwriting times dropped by nearly 50%, as underwriters no longer needed to bounce between systems or manually retrieve data. Case backlogs were eliminated entirely. “We haven’t had a single missed SLA since launching Oscilar,” Hough noted.

Even after long weekends, queues were fully cleared thanks to faster workflows and automation.

Customer experience improved as well. When additional information was required, Oscilar automated the request process, sending real-time instructions and instantly rerouting cases upon resubmission. This reduced manual underwriting timelines by nearly 24 hours.

A partnership built on co-innovation, not just software

Beyond the technology, Hough emphasized the strength of the partnership with Oscilar:

"I’ve never asked Oscilar for something and been told no. Sometimes it takes research or new development, but the answer is always yes. That level of partnership is rare."

Nuvei works closely with Oscilar on roadmap execution, workflow design, AI analytics training, and continuous optimization. This hands-on collaboration accelerated onboarding and enabled Nuvei’s team to become self-sufficient with rules, workflows, and analytics.

“The people are fantastic—engineers, developers, leadership. The accessibility alone sets Oscilar apart. It’s a much more personalized experience than any other vendor.”

Oscilar CEO and Co-Founder Neha Narkhede echoed the strength of the partnership: “Nuvei’s ambition requires more than a platform, but an active partnership. Our teams sit with them multiple times a week, co-designing workflows, building new integrations, and bringing AI into areas that were historically constrained by legacy systems. Their global scale demands real-time, adaptive risk intelligence, and we’re proud to be the partner helping them achieve it.”

A future-proof foundation for global risk intelligence

Nuvei’s long-term vision is a single global underwriting and transaction monitoring framework that dynamically adapts by merchant type, region, risk profile, and compliance requirements.

That vision will roll out in phases, from deeper AI-driven rule recommendations and marketplace KYC onboarding to vendor-cost optimization, machine-learning feedback loops, and full unification of regional teams.

For Hough, the intelligence layer is the biggest opportunity ahead: “Oscilar is the foundation for that. The biggest thing I’ll focus on moving forward is Oscilar’s ability to drive new insights: dashboards, AI rule recommendations, deeper reporting. How far can we push nuance and intelligence?”

His advice to other organizations modernizing risk infrastructure is straightforward: “Don’t underestimate the value of user experience. With most legacy platforms, you adapt to their limitations. With Oscilar, you build what you need.”

With unified global workflows and AI-driven decisioning at its core, Nuvei is building smarter, faster, and more scalable risk operations, working hand in hand with Oscilar to turn that vision into reality.

"Be creative and be willing to paint. If you want a tailored, modern system instead of rigid legacy tools, Oscilar is the perfect sandbox to solve problems and build the right solutions."