SENTR · FOR FINTECHS & NEOBANKS
Challenger banks, BNPL operators, and digital wallets carry the same fraud detection, chargeback, and regulatory obligations as the banks they're disrupting — DORA, PSD3, EU AI Act — with a fraction of the infrastructure. SENTR's Closed-Loop Risk Intelligence Engine gives mid-market fintechs enterprise-grade risk ops. Live in 8 days.
WHAT WE HEAR FROM FRAUD & RISK TEAMS AT FINTECHS
HEAD OF FRAUD / RISK DIRECTOR
"Our false positive rate looks fine on paper. It doesn't look fine when you see the activation dropout it's causing."
Fintech onboarding fraud and operational fraud are different problems that most platforms treat with the same score threshold. The cost shows up in activation rates and support tickets before it ever shows up in the fraud P&L.
CFO / FINANCE DIRECTOR
"We're spending more on manual review than on the fraud platform itself. And the platform is still missing things."
At mid-market transaction volumes, the ops cost of reviewing borderline decisions typically exceeds the tool cost. Fraud models that produce scores without context force human review into the workflow by design.
CTO / HEAD OF ENGINEERING
"We have the data to build a better model. We don't have the loop to feed it back."
The signals that improve a fraud model — investigation outcomes, dispute results, confirmed fraud labels — sit in three different systems that don't talk to each other. The model trains on what it had at launch, not on what it's learned since.
Tier-1 banks built 200-person risk teams and proprietary ML platforms over decades. Mid-market fintechs don't have that option — or that timeline. SENTR is the infrastructure that changes the equation in 8 days.
Fully digital. Fully regulated. Fully responsible for every automated fraud decision. Most fraud tools close one of these gaps. SENTR closes all four.
From January 2025, DORA requires digital operational resilience documentation for every automated system in financial services. PSD3 adds strong customer authentication audit requirements. The EU AI Act (August 2026) requires explainability logs for every automated fraud decision. Each regulation requires its own audit record — and they all land on your fraud ops platform simultaneously. Most fraud tools were designed before any of these existed.
In traditional banking, a blocked transaction is an inconvenience. In challenger banking, it's a reason to switch apps — and your customer is two taps from a competitor. False positive rates of 70–80% don't just burden your analysts. They destroy the customer experience your product team built. SENTR's human-in-the-loop routing reduces false positives without increasing false negatives — protecting the UX your growth depends on.
Fintechs grow fast. Fraud ops doesn't. Going from 10,000 to 100,000 transactions per day means 10x the alert volume, 10x the chargeback queue, and 10x the compliance documentation burden — managed by the same team. Hiring isn't fast enough and isn't the strategy. SENTR's automated decisioning handles the volume increase without headcount linearity.
Buy Now Pay Later fraud exploits payment deferral to maximise exposure before detection. Embedded finance fraud operates across the host platform and the underlying payment infrastructure simultaneously. Standard fraud tools, configured for card-present or e-commerce patterns, miss both. SENTR's linked-account graph and unified data model detect deferred-payment exploitation and cross-platform fraud ring coordination natively.
SENTR's closed-loop architecture runs across five stages — detection, triage, review, resolution, and audit — each feeding the next. See how the loop works →
Slide to explore all five stages
Stage 1
Full-set scoring for BNPL, wallets, and embedded finance — rings and velocity patterns sampled stacks miss.
Stage 2
Explainable scores with your segment and SCA rules — structured rationale for DORA, PSD3, and EU AI Act reviewers.
Stage 3
Noise stays out of the queue; genuine edge cases land with timeline, device, and payment context already assembled.
Stage 4
Deferral and session evidence travels with the dispute — fewer rebuilds, better representment economics.
Stage 5
Operational and model records export together — DORA, PSD3, and EU AI Act evidence without email-thread archaeology.
Stage 1
Full-set scoring for BNPL, wallets, and embedded finance — rings and velocity patterns sampled stacks miss.
Stage 2
Explainable scores with your segment and SCA rules — structured rationale for DORA, PSD3, and EU AI Act reviewers.
Stage 3
Noise stays out of the queue; genuine edge cases land with timeline, device, and payment context already assembled.
Stage 4
Deferral and session evidence travels with the dispute — fewer rebuilds, better representment economics.
Stage 5
Operational and model records export together — DORA, PSD3, and EU AI Act evidence without email-thread archaeology.
"Winning chargebacks made us better at fraud detection — the dispute outcomes told us where our model was wrong. A closed-loop system isn't a nice-to-have. It's how you actually improve." — Head of Risk, European PSP. This is the flywheel SENTR builds from Day 1.
REGULATORY DEADLINE
Fintechs and neobanks now operate under three simultaneous regulatory frameworks that touch fraud decisioning directly. DORA (live from January 2025) requires documented operational resilience for all automated systems. PSD3 extends strong customer authentication audit obligations. The EU AI Act (enforcement August 2026) mandates explainability logs and human oversight documentation for every automated high-risk AI decision — including fraud detection. Non-compliance fines: up to 7% of global annual turnover under the EU AI Act alone. These frameworks were designed for banks. They apply to you.
Read the full EU AI Act compliance brief →SENTR provides audit documentation tooling. It does not provide legal advice or regulatory certification. All compliance claims require review by legal counsel before publication.
SENTR runs read-only in parallel to your current fraud platform. Walk away at Day 50 with data on every fraud event your stack missed, every false positive your analysts processed unnecessarily, and a DORA/EU AI Act compliance gap assessment.
Connect (Days 0–8)
SENTR connects to your transaction stream via read-only API. Your existing fraud platform, SCA system, and compliance tooling stay live and unchanged. Average setup: 8 days with your internal tech team. Dedicated integration engineer included. No professional services required for standard setup. See the full 8-day integration timeline →
Evaluate (Days 1–50)
SENTR processes every transaction in parallel — writing nothing to your production system. Every week: a dashboard showing exactly what fraud SENTR detected that your current platform missed, how many false positives your analysts could have been spared, and the compliance documentation your current system isn't generating.
Decide (Day 50)
Day 50: full intelligence report — fraud caught vs. missed, false positive reduction estimate, chargeback prevention delta, and DORA/EU AI Act compliance gap assessment. You decide based on 50 days of your own transaction data. No pitch deck. No pressure.
Shadow mode is always free. No invoice. No contract. No commitment until you've seen 50 days of your own data.
FOR YOUR ENGINEERING TEAM
Standard REST API with webhooks. Connects to your payment stack, SCA provider, and core banking infrastructure. Sandbox environment available for testing before shadow mode begins.
Average setup: 8 days with a prepared internal tech team. Scoped to your specific infrastructure in the Architecture Session. If a fraud vendor needs 14 people and 6 months, the product isn't ready for you. See the full 8-day integration timeline →
SOC 2 Type II certified. ISO 27001 aligned. GDPR-compliant with EU data residency. FCA, DNB, and EBA documentation available under NDA. Player and customer data never leaves your configured data region.
Full data portability guaranteed. Code escrow available for enterprise deals. Leaving SENTR does not require rebuilding your detection model or changing your payment infrastructure.
THE SHIFT
Right now, your fraud team is managing the same regulatory obligations as a Tier-1 bank — DORA, PSD3, EU AI Act, full chargeback liability — with a fraction of their infrastructure and none of their headcount. 1,500 alerts a day. 70% false positives. A chargeback queue that compounds. A compliance trail built from spreadsheets and memory. SENTR changes the operational model. Auto-decisions handle the routine 80%. Analysts work on the 20% that needs them. Chargebacks are represented with evidence assembled at detection. The compliance export is one click, not six weeks of reconstruction. You stop being invisible until something goes wrong — and start walking into the CFO's quarterly review with numbers.
Book your Architecture Session →No pitch deck. No contract until Day 50. If shadow mode isn't the right fit, we'll tell you on the call.