Oscilar AI Risk Decisioning Platform

Oscilar provides an AI risk decisioning platform for onboarding, credit underwriting, fraud and AML compliance at banks, fintechs and payment companies. The privacy policy lists Oscilar, Inc. at 111 Washington Ave., Palo Alto, California.

The platform lets risk teams build workflows with no-code or natural-language tools, backtest them on historical data and retrain models in days. An Agent Hub supplies AI agents for KYC/KYB review, sanctions and PEP screening, SAR narratives and AML level-one review, and an MCP server connects external AI assistants. Named customers include SoFi, MoneyGram and Nuvei.

• No-code workflows: build decision flows with natural-language assistance.
• Backtesting: test strategies on historical data before deployment.
• Agent Hub: agents for KYC/KYB, sanctions and PEP, SAR narratives and AML review.
• Cognitive Identity Intelligence: device and behavioural signals for identity risk.
• Case management: route flagged cases to analysts with feedback to tune agents.
• Model governance: bring your own models, with monitoring and role-based access.

• A Vietnamese digital bank scoring loan applications and screening fraud in one flow.
• An e-wallet operator using agents to triage AML alerts and draft SAR narratives.
• A consumer finance company backtesting new underwriting rules on past applications.

• One decisioning layer covers onboarding, credit, fraud and AML, reducing separate vendors.
• Backtesting on historical data lets teams check rule changes before release.
• AI agents draft SAR narratives and first-level reviews to cut analyst workload.
• Bring-your-own-model support protects existing data science investment.

Banks and fintechs are moving from rule-only systems to AI agents that handle first-level fraud and AML reviews. In Vietnam, tighter transaction-reporting duties under Circular 27/2025 and growth of digital lending raise demand for unified fraud, credit and AML decisioning, though Oscilar lists no Vietnamese presence.

Oscilar, Inc., Palo Alto, California. Forbes 250 recognition for CEO Neha Narkhede in 2026, plus 2025-2026 PayTech and Banking Tech awards. Vendor claims 30B+ decisions a year at under 100ms latency.