ALMANOR AI — BANKING & FINANCIAL SERVICES
Almanor AI builds AI systems for banks and financial institutions — detecting fraud in real time, automating KYC, and monitoring compliance across every transaction.
THE BANKING AI ENGINE
Financial institutions process millions of transactions daily under intense regulatory scrutiny. BankGuard monitors every transaction, automates KYC workflows, and generates compliance reports — while keeping humans in control of material decisions.
Sub-2ms transaction scoring against behavioural models trained on your institution's own fraud patterns — not generic benchmarks.
Document extraction, identity verification, sanctions screening, and SAR drafting — automated end-to-end with full audit trails.
AI-assisted credit underwriting with explainable decision support, integrated into your existing origination systems.
Automated generation of FCA, PRA, and EBA reports from live transaction data — reducing a weeks-long process to hours.
ALMANOR AI — THE PROCESS
From data capture to live fraud detection — deployed in weeks, not years.
PHASE ONE
Our engineers instrument your core banking systems to capture high-quality, labelled transaction data — the foundation of fraud models that actually match your institution's risk profile.
PHASE TWO
BankGuard models are fine-tuned on your institution's historical fraud patterns, KYC outcomes, and credit decisions — not generic public datasets.
PHASE THREE
BankGuard goes live in your transaction pipeline with configurable thresholds, real-time dashboards, and escalation paths for high-risk decisions.
ALMANOR AI — DEPLOYMENT PHASES
We connect to your core banking systems and label historical transaction data to build the training foundation for BankGuard models.
Learn more →BankGuard models are trained, back-tested against historical fraud, and validated by your risk team before going live.
Learn more →BankGuard deploys into your transaction pipeline with real-time monitoring, threshold alerts, and full regulatory audit trails.
Learn more →WHY BANKS CHOOSE ALMANOR AI
Models trained on your own transaction data outperform generic fraud models — reducing both missed fraud and false positives.
BankGuard scores transactions in real time without impacting payment processing speeds.
Every decision includes explainability output meeting FCA, PRA, and Basel III model governance requirements.
BANKGUARD
BankGuard is Almanor AI's purpose-built AI system for financial institutions — combining real-time fraud detection, KYC automation, and regulatory reporting in a single embedded platform.
Explore BankGuard →THE FINANCIAL AI PROBLEM
Financial services is the highest-stakes environment for AI deployment. A fraud detection system with 95% accuracy sounds impressive until you calculate what the remaining 5% means at 4.8 million transactions per day. A KYC system that misclassifies a high-risk customer creates regulatory liability. An AML model that generates false positives at scale wastes analyst time and creates a backlog that degrades the entire compliance function.
Generic AI models fail in financial services because they are trained on broad datasets that do not reflect your specific customer base, transaction patterns, and risk profile. BankGuard is trained on your operational data — your transactions, your customer profiles, your historical fraud patterns — producing a model that understands what normal looks like for your institution specifically.
Every BankGuard decision is fully explainable: the features that triggered the flag, the weight each feature carried, the confidence score, and the recommended action. This is not just good practice — it is required by FCA, EBA, and ECB guidelines on model explainability and algorithmic accountability in credit and risk decisions.
USE CASES
Transaction scoring at sub-2ms latency across card payments, transfers, and digital banking — with adaptive models that update as fraud patterns evolve.
Document extraction, identity verification, PEP and sanctions screening, and risk scoring for new customer onboarding — reducing KYC completion time from days to hours.
Transaction monitoring against AML typologies, automated SAR draft generation from flagged activity, and regulatory filing with full evidence package.
Domain-specific credit models trained on your historical lending data — with full explainability for each credit decision to satisfy regulatory model risk management requirements.
Automated generation of FCA, EBA, and ECB regulatory returns — drawn from live operational data with reconciliation checks and submission-ready output.
Classification, routing, and response generation for financial services complaints — with FCA DISP compliance built into every workflow step and 8-week deadline tracking.
FREQUENTLY ASKED QUESTIONS
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