A Real-Time Financial Crime Management Platform
Financial
crime,
stopped
real-time.
Clari5 is the real-time nervous system that banks and insurers trust to interdict fraud, money laundering and financial crime inside the transaction, in milliseconds.
Trusted by 50+ banks & insurers
The Anatomy of a Decision
Every transaction tells a story. Clari5 reads it in real time.
Scroll through the journey every signal takes from a customer touching a channel to a decision rendered in milliseconds.
Customer
Identity, history and relationships resolved into a single living profile.
Transaction
Every payment, claim and login streamed into the decisioning core.
Device
Device intelligence and behavioural biometrics fingerprint the session.
Behaviour
Patterns scored against 2,000+ real-time features and peer networks.
AI
Adaptive ML and GenAI reason over the evidence.
Decision
Approve, step-up or block. In-line, before money moves.
The Outcome
Our Success.
Years Fighting Financial Crime
Banks & Financial Institutions. Live
Countries and Counting
Enterprise-Wide Coverage
Your entire institution. One nervous system.
Every channel streams into a single real-time core — no silos, no blind spots, no batch windows.
Solution Showcase
One platform. Every weapon against financial crime.
Unified Fraud and Anti-Money Laundering on a Single Real-Time Platform.
- Cross-Channel Fraud Detection
- Real-Time AML
- Customer 360 Degree Risk Profile
- Mule and Network Detection
Real-Time Risk Intelligence Powered by Generative AI.
- Fraud Investigation Assistant
- Alert Explanation Bot with Chat-Based Data Query
- Real-Time Transaction & Similarity Analysis
- Suspicious Pattern Detection
AI-Powered Voice Analytics & Call Audit Platform for Financial Institutions.
- 100% Automated Call Audit
- Multilingual Speech-to-Text (English & 11 Indian languages)
- Real-Time PII Redaction
- Segment-Level Sentiment
Capabilities Experience
Solutions Become an Experience.
Interact with Clari5's suite of specialized intelligence modules. Select a solution below to launch its interactive console.
Enterprise Fraud Management
Monitor high-frequency transaction streams across all channels in sub-15ms. Stop complex multi-leg fraud before authorization without introducing customer friction.
Key Capabilities
- Sub-millisecond payload scoring engine
- Cross-channel velocity pattern recognition
- Real-time account takeover (ATO) prevention
- Adaptive rules & machine learning hybrid models
Anti-Money Laundering
Detect subtle structuring, mule networks, and layered transactions across international borders with multi-graph network analytics.
Key Capabilities
- Multi-hop network graph link analysis
- Automated Suspicious Activity Report (SAR) generation
- Dynamic risk categorization engine
- PEP & Sanctions continuous screening
Detected 8 fan-out accounts transferring $9,900 each to bypass $10,000 reporting thresholds. Auto-flagged for SAR.
Generative AI Investigation
Synthesize complex transactional evidence into plain-language investigative narratives. Reduce case disposition time from hours to seconds.
Key Capabilities
- Natural language risk queries & case summaries
- Automatic evidence bundle compilation
- Explainable AI reasoning path audit trail
- Interactive risk scenario modeling
Clari5 Genie Generative AI Investigator
AML Suite for Insurance
Insurance agents move premium volumes across jurisdictions unseen. Early surrenders, beneficiary shifts, and structured policies create blind spots in your AML program.
Key Capabilities
- Agent Risk Orchestration
- Insurance-Specific Typology Detection
- Regulatory Reporting — Pre-Configured
Fraud + AML Unified
Eliminate the historical divide between fraud operational teams and AML compliance. Shared entity profiles, unified alerts, and holistic risk scores.
Key Capabilities
- Single customer view across Fraud & AML
- Cross-domain rule correlation
- Unified case management & workflow engine
- Shared intelligence graph database
Every Conversation Leaves Evidence.
Analyze customer service calls, teller conversations, and audio streams for scam coercion, social engineering indicators, and stress patterns in real time.
Key Capabilities
- Acoustic stress & voice print analysis
- Real-time scam keyword & coercion pattern recognition
- In-call teller prompt alerts during active coercion
- Comprehensive audio audit trail
See It Live
Watch a fraud attempt die in milliseconds.
A 30-minute session with our team, your channels, your fraud scenarios, our platform deciding in real time.
Risk Decision Makers
Real-time detection and decisioning across every channel, every product, and every transaction type. Powered by machine learning models that trigger action before funds move, not alerts after the loss.
The Pain
Fragmented risk views across channels, products, and borders.
A single pane of glass for enterprise financial crime risk.
- One real-time risk posture across fraud, AML, and mule networks
- Explainable AI your board and regulators can trust
- Loss curves trending down within two quarters
The Pain
Disconnected fraud, AML and compliance systems straining integration budgets and uptime.
One platform to architect, not five to maintain.
The Pain
Regulatory reporting that eats weeks instead of hours, with evidence scattered across tools.
Audit-ready evidence, generated as decisions happen.
Clari5 in Action
Customer Stories & Outcomes
The country's largest bank moved from overnight batch review to real-time interdiction across every digital channel.
Real-time defense for one of India's largest banks — every transaction screened in-line, at national scale.
The country's largest bank moved from overnight batch review to real-time interdiction across every digital channel.
Real-time defense for one of India's largest banks — every transaction screened in-line, at national scale.
Industry Recognition
Recognized where it matters.
The analysts who grade the world's risk technology keep arriving at the same conclusion.
What our clients say
“Clari5 delivers immediate value by strengthening our fraud prevention and regulatory compliance capabilities while providing a GenAI-ready infrastructure for what is ahead. We are not just addressing today's challenges. We are laying the groundwork to rapidly adopt emerging AI technologies as they mature.”
“Being bankers to the nation, we wanted to set the precedent for staying ahead of domestic as well as global risk and compliance regulations with the very best in financial crime management technology. We are excited to see our vision being implemented with us going live with Clari5 AML.”
“Clari5 has significantly strengthened XacBank's AML framework by delivering real-time monitoring, sharper risk intelligence & audit-ready automated reporting. The platform has helped us elevate our compliance posture while improving the speed & quality of investigations for regulatory requirements.”
“One of the strategic initiatives as part of our aspiration to become Bank 4.0, the next generation bank of Uganda, was the deployment of a proven and advanced AML system. We are delighted to have Clari5 as our technology partner as Clari5 real-time AML solution not only integrated easily with our Core Banking System but also met regulatory requirements completely.”
“Fino Payments Bank is an execution oriented organization that sets sight on a goal and achieves it, despite roadblocks. We are pleased that Clari5 imbibed this vision of ours, and went live with the mission-critical enterprise level fraud risk management solution, despite COVID-19. We appreciate team Clari5's efforts to keep our operations running and being supportive at every step. Happy to have Clari5 as our valued partner.”
“By partnering with Clari5, we are taking a bold leap into proactive, real-time defense… safeguarding our customers and accelerating our transformation into a next-generation financial institution.”
“The spike in digital payments worldwide during the pandemic has also given rise to fraudsters trying to deceive unsuspecting businesses or consumers with innovative fraud schemes. To further strengthen our efforts to secure our customers' accounts and transactions, we implemented CustomerXPs' real-time, cross-channel Enterprise Fraud Management (EFM) solution, Clari5. Clari5 integrated quickly with our systems and is now monitoring both financial and non-financial customer activities, across the Mashreq domain.”
FAQ
Frequently Asked Questions
Enterprise fraud management looks at fraud risk across every channel and product together, not one system at a time. Fraud today moves across channels within a single operation, so isolated systems only ever see part of the story. It is the difference between reacting to one alert and seeing the whole pattern.
FRAML brings fraud and anti-money laundering onto one shared platform instead of two separate ones. The same criminal activity often triggers both a fraud alert and a money laundering flag, so managing them together closes gaps that siloed teams miss. It is fast becoming the default approach for serious financial crime programmes worldwide.
Yes, but only if the decision happens in the same second as the payment settles. Instant payment rails across markets, from UPI to FedNow to SEPA Instant, leave no room for manual review after the transaction is done. This is one of the defining fraud challenges of today.
It is, provided every decision leaves a clear, auditable trail a regulator can review. Machine learning strengthens detection, but documented reasoning and human oversight remain essential. Trust comes from transparency, not from the model alone.
Regulators worldwide are moving from checking that controls exist to proving those controls work under real conditions. New payment methods, digital assets and cross-border fraud typologies are pushing rules to evolve faster than before. Staying compliant now means staying current, not compliant once.
Financial crime does not stop at banking. Insurance carriers face parallel pressure on anti-money laundering compliance and claims integrity, and increasingly need the same real-time thinking. Coverage varies by line of business, so it is worth exploring what applies to yours.
No. The principles that protect large international banks are applicable to the regional and mid-size institutions alike. What changes is the scale of deployment, not the value of getting fraud and anti-money laundering right.
Separate tools mean separate data, separate alerts and blind spots. A unified platform shares intelligence across both functions in real time, so a pattern spotted in one area strengthens detection in the other. It is a structural advantage, not just a convenience.
Look for real-time decisioning rather than end-of-day batch processing, and genuine unified fraud and anti-money laundering approach rather than two products bolted together. Independent industry recognition is a useful signal, but the real test is how a platform performs against your own transaction volumes and regulatory footprint.
The convergence of fraud and anti-money laundering into one discipline, driven by instant payments, tighter regulatory expectations and increasingly coordinated criminal networks. Leaders who keep these functions separate will find it harder to counter the threats that already move as one.
Clari5 is a real-time financial crime management platform used by banks to run enterprise fraud management, anti-money laundering, and compliance from one unified system. Unifying these functions means fewer duplicate alerts and less investigator workload, a common friction point when fraud, AML, and compliance run on separate tools. The platform is built to align with regulator-specific requirements, whether that is the Reserve Bank of India, Bangko Sentral ng Pilipinas, or the Central Bank of the UAE, rather than treating compliance as generic. Clari5 processes over 10 billion transactions a month and manages more than 1 billion accounts for banks across 15 countries. Clari5 is a Perfios company.
Clari5 has gone live in as few as 45 days from contract signing to production. This was demonstrated by a leading Philippine bank, which deployed Clari5's enterprise fraud and risk management platform across its internet and mobile banking channels while maintaining alignment with local central bank regulations throughout the transition. Deployment timelines vary with scope, data sources, and regulatory requirements, so this reflects what is achievable rather than a fixed timeline for every bank.