FRAUD OPS MANAGER
"Every edge case ends up on my desk — I'm the system."
Review should begin with the reason and the linked history—not a bare score. SENTR brings both into the case so your analysts can focus on the decision.
SENTR · FOR PAYMENT SERVICE PROVIDERS
Stop triaging. Start deciding.
Protect the portfolio, not just the payment. SENTR connects merchant activity, configurable rules, machine learning and AI explanations with the investigation behind each decision. Keep your payment infrastructure. Give your fraud team a connected operation.
- Provider-neutral — connect through mapped events, APIs and webhooks
- 50-day Shadow Mode — qualified and read-only while evaluation runs
- Explainable decisions — attribution stored at decision time
EVALUATION QUESTIONS · ILLUSTRATIVE, NOT CUSTOMER TESTIMONIALS
One portfolio. Different pressures. A shared risk picture.
HEAD OF RISK / COO
"We went from 10,000 to 100,000 transactions a day and our fraud ops didn't scale."
Use rules and action policies to route clear decisions automatically, with queues for cases that need judgement. Measure the review work rather than assuming it must rise in proportion to payment volume.
CFO / FINANCE DIRECTOR
"Why do we rebuild the evidence every time a dispute arrives?"
When a dispute arrives, the original decision and investigation evidence should already be connected. SENTR supports that evidence trail; automatic dispute filing remains roadmap.
CTO / HEAD OF ENGINEERING
"The vendor said 'easy integration.' It took us four months."
Agree event schemas, identifiers, history and the integration boundary with your technical owner. SENTR supports mapped APIs, webhooks, files, databases and streams.
These aren't edge cases. They're the daily reality for fraud and risk teams at PSPs processing at scale. SENTR was built to close each of these gaps — in a single platform.
From first fraud signal to a reasoned outcome
The shared SENTR loop: Ingest → Detect → Decide → Explain → Investigate → Improve. See how the loop works →
Slide to explore all six stages
- 1
Stage 1
Ingest
Map merchant, payment and portfolio events with the identifiers and history your gateway already holds.
Open → - 2
Stage 2
Detect
Cross-portfolio signals from events you supply and map — the view merchant-only tooling cannot assemble alone.
Open → - 3
Stage 3
Decide
Rules and policies you configure, with deterministic score attribution operators can inspect.
Open → - 4
Stage 4
Explain
Readable attribution and decision evidence for partners, merchants and your own risk review.
Open → - 5
Stage 5
Investigate
Queues and cases with linked entity context — overrides require a written reason.
Open → - 6
Stage 6
Improve
Validated outcomes feed lists, policy review and operator-led improvements — not a promise of automatic dispute wins.
Open →
Open the reason behind the score. SENTR stores attribution for every evaluated event and renders readable explanations for relevant rule and anomaly findings. Written overrides preserve the original decision and the reviewer’s action.
Fraud rings don't target one merchant. They probe your portfolio.
Individual merchants see their own transaction history. As a PSP, you see the full book — and the cross-merchant attack patterns that move through it.
Standard fraud tooling, configured at the individual merchant level, cannot see patterns moving across merchant accounts. Fraud rings test card credentials across your gateway, rotate accounts when one is blocked, and escalate attacks once they find a permissive merchant profile. SENTR's linked-account graph intelligence operates across the merchant activity you supply and map — helping your team investigate the network, not just the latest transaction.
Signals evaluated per event
~300
plus customer-defined signals — separate from the rule library in the hundreds
Evaluation before production
50 days
Qualified Shadow Mode — read-only comparison beside your stack. Production is a separate decision.
The portfolio context your team can investigate
- Linked-account graph — surfaces connected account activity across mapped merchants for investigation
- Cross-portfolio velocity rules — flags card credentials probing multiple merchant accounts
- Merchant risk segmentation — per-merchant thresholds within a single platform
- Connected chargeback outcomes — links supplied dispute outcomes to the original decision and investigation
- Decision evidence retained — detection context stays with the case for dispute workflows you already run
- Configurable risk appetite — your thresholds, your rules, not a vendor-imposed default
GOVERNANCE & EVIDENCE
When a merchant challenges a decision, have the evidence ready.
Operators using automated fraud decisioning should be able to show why a decision was made and export that evidence when asked. Fraud detection is not categorically high-risk under the EU AI Act merely because it is automated — Annex III and Article 13 turn on the specific system and use. SENTR stores decision evidence for deployer assessment. This is education, not legal advice.
Proportionate legal review belongs with your counsel — not a homepage countdown.
Decision evidence · not automatic compliance
What Shadow Mode can start building
- Explainability evidence per decision — rules, signals, rationale
- Human review documentation — reviewer identity, override rationale, timestamp
- Exportable evidence when the deployment supports it
- Read-only comparison while your incumbent stays live
- Evidence your legal and compliance teams can assess for your deployment
SENTR provides operational evidence for assessment, not legal advice or certification.
50 days. Your data. Make us earn the next step.
Put SENTR beside your current controls for a qualified, free 50-day read-only evaluation. Compare decisions, investigate differences and separate confirmed findings from modelled impact. Your data. Your decision.
Connect · agreed scope
Read-only API connection
We map the agreed event types, identifiers and available history with your technical contact. Your existing system keeps making production decisions. Integration scope and readiness determine the start date.
Evaluate (Days 1–50)
Parallel run alongside your current stack
SENTR scores the agreed feed without enforcing its decisions in production. Compare outcomes, investigate disagreements and record confirmed findings separately from open questions.
Decide (Day 50)
Your data makes the decision
Review a Day 50 report covering decision comparisons, investigated findings, operational measurements and modelled financial impact. Some fraud and chargeback outcomes need longer to mature. Decide together whether to proceed, refine the evaluation or stop.
Shadow Mode is a read-only comparison while evaluation runs. Effort depends on your data map, event coverage, and review depth agreed during Architecture.
How Shadow Mode works → Book an Architecture Session →
FOR YOUR ENGINEERING TEAM
API-first. No lock-in. You stay in control.
REST API + webhooks
Use supported REST APIs, webhooks and other mapped ingestion paths. Scoped credentials and a provisioned sandbox support integration testing. Automated Adyen/Stripe mapping is still in development.
Integration planned with your team
Agree the event map, history requirements, test cases and production boundary before implementation. Explore data & integrations →
EU data residency. Read-only evaluation.
SENTR uses AWS regions in Ireland and Germany. Confirm data flows, explanation-processing subprocessors and residency terms in the security review and DPA. Read security & data →
No vendor lock-in
Keep your payment infrastructure while evaluating SENTR. Agree data export, retention and exit arrangements before production; we do not assume a change of processor is required.
Inside the workflow · illustrative configurations
From portfolio signal to a control your team can operate.
Merchant, payment and payout activity can share context without sharing one blunt threshold. These examples show what to configure and what to investigate.
Read the diagram
Eight illustrative accounts link to one payment instrument. Inspect timing, merchant context and prior outcomes to distinguish coordinated attempts from legitimate shared use. The links require the identifiers you supply; they do not assume automatic cross-provider card matching.
01Card testing moves between merchant accounts
Connect the context
Map payment attempts, merchant references, available instrument identifiers, devices and prior outcomes. Cross-merchant visibility depends on that agreed data scope.
Configure the response
Use payment-scoped velocity and instrument-reuse conditions. Test candidate rules against history and in Monitor; configure score contributions and review/block cutoffs for the relevant event.
Investigate and learn
Open the payment-method profile and linked accounts. Collect the related attempts in a case; record whether the pattern was confirmed abuse or legitimate shared usage.
02A familiar merchant has unfamiliar payout behaviour
Connect the context
Join merchant history, authentication/account-change events and payout activity. A successful payment alone does not establish that the later payout is safe.
Configure the response
Apply payout-specific policies and scoped lists. Let the connected system act on SENTR’s returned decision; action policies can create a case or notify the reviewer.
Investigate and learn
Inspect the session, instrument and related activity. Use queue priority, aging and assigned ownership to organise the work, then compare confirmed outcomes and rule noise in reporting.
See the controls behind these workflows: SENTR.Citadel product deep dive → Compare guided SENTR.Tower →
The right controls. The right way to run them.
Your industry shapes the rules. Both models share customer-specific machine learning and AI explanations. Choose how much configuration your team wants to own.
THE SHIFT
Build the fraud operation your portfolio deserves.
Stop treating each merchant alert as a separate story. SENTR connects portfolio context to decisions, investigations and improvement. Clear cases follow your policy; uncertain cases reach people with the reason attached. Show us where your current workflow breaks down. We will map the alternative and a practical way to evaluate it.
Book your Architecture Session →A working session, not a pitch deck. Optional Shadow Mode is free for qualified SENTR.Citadel evaluations; production is a separate decision.