Why Risk Shadowing
Risk Shadowing runs Verafye on agreed data alongside your existing controls — not in place of them. The output is a structured comparison: what the institution already knew, what Connected-Risk Intelligence adds, and whether that additional context is material to investigation or decision.
Core Proof Question
"Did Verafye materially change what the institution knew or would have done?"
Where It Fits
Connect merchant, sub-merchant, transaction, and payout signals to surface linked activity across portfolios.
Connect sender, beneficiary, corridor, and agent signals to surface structuring and beneficiary reuse.
Connect program, sponsor-bank, ledger, payment, and case signals to surface coordinated risk patterns across programs.
Surface mule-linked accounts, wallets, and devices across onboarding, payment, and beneficiary activity.
Surface mule-linked borrower networks, synthetic identity clusters, and coordinated application patterns for investigation.
Support program and sponsor-bank oversight with connected, investigation-ready evidence across providers.
Surface seller, buyer, payout, and device-linked patterns in commerce environments where commerce risk resembles financial crime network risk.
Inputs
Inputs are configurable based on use case and available data. Not every team needs to supply every data type. Verafye connects the signals you can share to resolve entities, surface relationship context across the agreed population, and form investigation-ready cases.
How It Works
Define the specific risk question the review will address — a bounded, agreed hypothesis about where connected context may or may not add value.
Document what the institution currently knows: existing alerts, decisions, and investigations across the agreed scope and data population.
Agree the data feeds, signal sources, and population to be included. Not every use case requires every data type.
Establish the bounded case population Verafye will run against — aligned to the risk hypothesis.
Verafye processes the agreed data population alongside the institution's existing controls, resolving entities and producing connected-risk context.
Investigators review the Verafye output against the existing baseline — assessing whether connected context changes the investigation picture.
Verafye findings are classified against the public evidence hierarchy: Contextual only / Relevant context / Material incremental intelligence / New risk discovery / Decision impact.
A structured review with institutional and Verafye leadership — presenting findings, evidence classification, and whether the core proof question is answered.
Institution decides whether Verafye Connected-Risk Intelligence is production-ready for the scoped use case, based on evidence from the review.
Evidence Classification
All Risk Shadowing findings are classified against a five-tier hierarchy. Evidence classification is shared with the institution at the Executive Proof Review.
Contextual only
Verafye adds relationship context that is consistent with what the institution already knew — no change to investigation outcome.
Relevant context
Verafye surfaces additional context that is relevant but does not materially change the investigation or decision.
Material incremental intelligence
Verafye adds context that materially changes how the institution understands the risk — investigation scope or depth changes.
New risk discovery
Verafye surfaces risk the institution had not previously identified within the agreed case population.
Decision impact
Verafye context changes what the institution would have decided — disposition, escalation, or reporting outcome differs.
Outcomes
A high-level view of connected risk clusters surfaced across your shared signals.
A connected view of how related entities appear across the reviewed dataset.
Investigation-ready evidence prepared for analyst and compliance review.
Explainable notes that support consistent, audit-ready decisions.
Suggested areas for further review, validation, or deeper evaluation.
Sample Output
Request a walkthrough of a synthetic example showing how Verafye can connect fragmented alerts, payment, identity, device, merchant, beneficiary, ledger, and case signals into a graph-linked investigation summary and audit-ready evidence pack.
Request Sample Output WalkthroughSample walkthroughs use synthetic data only and are shared during qualified discussions.
FAQ
For institutions with established controls: the most common starting point remains incremental Connected-Risk Intelligence around existing suspicion — beginning with the alerts you already have and proving connected intelligence before changing your stack.
Risk Shadowing is a low-friction evaluation motion for payment-led financial crime teams, including PSPs, PayFacs, MSBs, remittance platforms, BaaS and embedded finance providers, digital banks, NBFCs, and selected banks.
Risk Shadowing Review does not alter live workflows or require changes to existing systems. Verafye connects to agreed data feeds, resolves entities, surfaces connected relationships and potentially relevant network patterns for analyst review, and produces investigation-ready cases from the shared dataset. After evaluation, adoption is flexible: teams can integrate selected Verafye outputs into existing operational workflows, or expand into Verafye-led investigation, evidence, and decision operations as outcomes are proven.
Inputs are configurable based on use case and available data. You can start with a controlled dataset for a focused use case and expand coverage over time. Not every team needs to supply every data type.
Yes. Where relevant, Risk Shadowing can compare Verafye-native detections with incumbent alerts as well as assess the connected intelligence produced around each. This can help determine whether Verafye should assume any detection responsibility in production.
Yes. Detailed sample outputs are shared during qualified walkthroughs using synthetic data only. Request a sample output walkthrough and our team will walk you through it.
Start a Risk Shadowing Review on agreed data feeds from your environment. Built for payment-led financial crime teams across PSPs, PayFacs, MSBs, remittance platforms, BaaS and embedded finance, digital banks, NBFCs, and selected banks.
Detailed sample outputs are shared during qualified walkthroughs.
Verafye is designed to support fraud and AML investigation workflows in regulated financial environments. We do not claim regulatory approval, regulator certification, endorsement, or guaranteed fraud prevention.
