Nuvei Scales Global Risk Infrastructure with Oscilar, Cutting Manual Underwriting Time by 50% with No Missed SLAs
50%
faster manual underwriting and case review
UP TO 15%
increase in auto-adjudication in the first month
0
missed SLAs reported since launch
Sobre
Nuvei
Nuvei is a global payment technology provider serving merchants across North America, Europe, APAC and beyond. Its modular, flexible and scalable technology allows leading companies to accept next-gen payments, offer all payout options and benefit from card issuing, banking, risk and fraud management services. Connecting businesses to their customers in more than 200 markets, with local acquiring in 50 markets, 150 currencies and 720 alternative payment methods, Nuvei provides the technology and insights for customers and partners to succeed locally and globally with one integration.
Caso(s) de Uso
Subscrição de Crédito
Decisão de Crédito
Transaction Monitoring
Indústria
Payments
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The Challenge
Scaling Global Risk Operations with Fragmented, Legacy Systems
As Nuvei’s business expanded, it became increasingly difficult for its existing system to support new global workflows and higher volumes. The legacy platform lacked modern capabilities, automation, and the flexibility to adapt across regions, leaving underwriters spending significant time on manual reviews.
Daniel Hough, Director of Risk & Underwriting at Nuvei, noted that these constraints had become increasingly restrictive. “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,” explained Hough. “Oscilar gives us the flexibility and intelligence to manage our portfolio in entirely new ways, and that’s a big deal for us.”
Operational burdens were also mounting. Underwriters were frequently bouncing between systems and vendors, which slowed decisioning and created backlogs. After long weekends or holiday periods, teams often returned to heavy queues and the risk of missed SLAs.
Meanwhile, Nuvei had to maintain strict adherence to regional regulatory frameworks such as FINTRAC in Canada, which made automation even more difficult under the previous system.
The stakes were mounting. Nuvei couldn’t scale global risk management without rethinking its infrastructure.
Why Oscilar
A Mandate for Efficiency, Flexibility, and Automation
Improving automation and reducing operational costs were primary drivers. As Hough noted,“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 needed a system that empowered its teams to operate independently, not one that required engineering support to make simple policy changes. Building in-house was evaluated but ultimately deprioritized due to complexity, cost, and time to value.
Finally, with Nuvei’s evolving product roadmap, including marketplace onboarding, new verticals, and recent acquisitions, the company needed a platform that could unify risk operations globally while supporting deep regional flexibility. Many platforms on the market offered "all-in-one" solutions, but most were rigid: fixed UIs, fixed vendor options, and limited extensibility.
Oscilar’s flexibility proved unmatched. "A lot of platforms are turnkey but pre-designed. You either fit their tools or you don’t,” explained 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."
Oscilar stood out for several reasons:
Region-specific workflows for the U.S., Canada, EU, and APAC
Vendor-agnostic integrations, allowing each region to plug in their preferred data sources
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
This last point was transformative. The two teams had historically worked in separate systems, making data sharing slow and error-prone. With Oscilar, they finally operated in sync.
"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."

Daniel Hough
Director of Risk & Underwriting
Nuvei
Results
Oscilar Activates Automation Gains, Faster Decisions, and Global Workflow Unification
Nuvei began seeing measurable improvements within the first month of launch. The company’s data volume quickly activated Oscilar’s analytics engine, which surfaced optimization opportunities and improved overall performance. “Within the first month, auto-adjudication increased by 10 to 15 percent. That's a massive improvement,” said Hough.
Manual underwriting times improved significantly as well, dropping by nearly half, because underwriters no longer had to jump across systems or manually retrieve data and case backlogs disappeared entirely. "We haven’t had a single missed SLA since launching Oscilar," Hough noted. Even after long weekends, queues were completely cleared thanks to automation and faster review workflows.
Customer experience also improved. When underwriters needed more information, Oscilar automated the entire request process, sending real-time instructions and rerouting cases instantly upon resubmission. This cut manual underwriting timelines by nearly 24 hours.
The unification of underwriting and transaction monitoring was particularly powerful. Insights could now flow automatically between teams. "Underwriting and transaction monitoring are really two sides of the same coin,” Hough explained. “Oscilar finally lets them talk to each other and work in lockstep."
"We haven't had a single missed SLA since launching Oscilar."

Daniel Hough
Director of Risk & Underwriting
Nuvei
A Partnership That Delivers: From Co-Innovation to Operational Impact
Beyond the power of the technology, Hough emphasized the strength of the partnership with Oscilar. "I’ve never asked Oscilar for something and been told no," explained Hough. Sometimes it takes research or new development, but the answer is always yes. That level of partnership is rare.”
Nuvei works closely with Oscilar, collaborating on roadmap execution, workflow design, AI analytics training, and continuous optimization. The hands-on support accelerated onboarding and empowered Nuvei’s team to become self-sufficient with rules, workflows, and analytics.
The human element mattered. "The people are fantastic—engineers, developers, leadership. The accessibility alone sets Oscilar apart. It’s a much more personalized experience than any other vendor."
"Nuvei’s ambition requires more than a platform, but an active partnership," said Oscilar CEO and Co-Founder, Neha Narkhede. "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."
"Don't underestimate the value of user experience. With most legacy platforms, you adapt to their limitations. With Oscilar, you build what you need."

Daniel Hough
Director of Risk & Underwriting
Nuvei
A Future-Proof Foundation for Global Risk Operations
Nuvei’s long-term vision is ambitious: a single global underwriting and transaction monitoring framework that automatically adapts based on merchant type, region, risk profile, and compliance requirements.
Reaching this level of orchestration will unfold over several phases, from deeper AI-driven rule recommendations and marketplace KYC onboarding to vendor-cost optimization through smart sequencing, machine-learning feedback loops, and the full unification of regional teams and systems. The intelligence layer is where Hough sees especially meaningful opportunities. “Oscilar is the foundation for that,” he explains. “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?”
As Nuvei continues its transformation, Hough offers clear guidance to other organizations evaluating risk platforms. “Don’t underestimate the value of user experience. With most legacy platforms, you adapt to their limitations. With Oscilar, you build what you need.”
He also emphasizes the mindset shift required to fully leverage a flexible, modern system. In his words, “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.”
With a unified global workflow on the horizon and AI shaping every layer of decisioning, Nuvei is building smarter, faster, more scalable risk infrastructure and Oscilar is working hand-in-hand with them to turn that vision into reality.




