Risk Classification for Banks & Payment Aggregators
Smarter Risk Intelligence for Safer Financial Ecosystems
With the exponential growth of digital payments and merchant integrations, financial institutions and payment platforms face increasing pressure to detect content-level and behavioral risks before they escalate. Our Risk Classification Services enable proactive identification of high-risk merchants, deceptive content patterns, and suspicious transaction narratives—ensuring safer onboarding, better fraud controls, and regulatory compliance.
Merchant Website Content Classification
We analyze merchant websites and digital storefronts across industries to flag high-risk verticals, fraud-prone categories, and non-compliant content. From misleading product claims to regulatory red flags, we tag and score web presence across dimensions like:
- Adult content
- Gambling
- Counterfeit goods
- Unauthorized lending
- Pyramid schemes
This helps risk and compliance teams make faster, evidence-based onboarding decisions.
Business Model Risk Tagging
We identify business models that pose elevated risk to banks and aggregators. Our annotation pipelines tag content involving:
- Cryptocurrency or unregulated exchanges
- Adult entertainment or services
- Online betting or gaming
- Unauthorized lending
- High chargeback sectors
- Shadow finance models (e.g., payday loans, unauthorized NBFCs)
Each merchant is evaluated with clear context tags and documented rationale, supporting downstream ML systems and manual review teams.
Transactional Context Labeling
We go beyond surface-level tagging by annotating narratives around transactions—identifying deceptive offers, hidden terms, or suspicious promotional content. This is critical for:
- Detecting merchant collusion or triangulation schemes
- Flagging manipulative discount language
- Recognizing patterns in buyer-seller disputes
This provides valuable input for transactional fraud detection systems and payment throttling engines.
AML/KYC Enhancement via Contextual Annotation
By enriching merchant and customer profiles with behavioral signals and content context, we help compliance teams go beyond checklists. Our annotations support:
- Enhanced due diligence (EDD)
- Ongoing risk monitoring
- Red flag detection during KYC refresh cycles
Combined with internal transaction data, this leads to holistic risk visibility across your merchant base.
Key Use Cases
01
Merchant Onboarding Risk Profiling
Accelerate approvals for good actors, flag the rest for manual review
02
Transactional Fraud Detection
Improve ML detection of first-party fraud and collusion-based scams
03
Payment Throttling Models
Adjust thresholds dynamically based on merchant risk score
04
Web Presence Monitoring
Maintain continuous surveillance over merchant sites for evolving risk patterns
Build Safer Payment Pipelines
Talk to us about building a custom annotation framework for your risk and compliance stack
We help turn unstructured content into actionable financial intelligence.
