Vivekananda J – Clari5

Clari5 at Anti-Money Laundering Conference Dubai 2026

Posted on January 29, 2026 by Vivekananda J

At AMLC 3.0, the 3rd Annual Anti-Money Laundering & Compliance Conference, Clari5 joins regulators, banks, fintechs, and policy makers from across the MENA region to explore how real-time intelligence is reshaping financial crime prevention and regulatory compliance.

Hosted at the DoubleTree by Hilton Dubai M Square Hotel & Residences, the conference convenes stakeholders from financial institutions, payment providers, DNFBPs, crypto firms, e-commerce players, and government agencies to address the growing impact of economically motivated crime.

Clari5 will engage with AML, compliance, and risk leaders on how enterprise-wide, real-time intelligence can help institutions:

Detect and prevent fraud and money laundering before financial or reputational impact
Strengthen AML operations with contextual, cross-channel monitoring and a unified view of customer risk
Achieve regulatory compliance through explainable, auditable decisioning aligned with evolving MENA and global standards
Enable better collaboration between policy, supervision, and technology teams through integrated analytics and case management

Meet the Clari5 team at AMLC 3.0 to explore how our real-time financial crime management platform can help your institution stay ahead of emerging threats while improving compliance efficiency.

Drop an email to connect@clari5.com

How UAE’s New AML Rules Change the Game for Financial Institutions

Posted on January 29, 2026February 7, 2026 by Vivekananda J

Entering 2026, the UAE’s financial sector is operating under a fundamentally different regulatory and market dynamic. The UAE’s exit from the FATF grey list, removal from the EU’s high-risk jurisdiction list, and AED 350 million in recent AML enforcement fines mark a decisive shift. The direction of travel is clear: enforcement is real, scrutiny is targeted, and differentiation has begun. Under Federal Decree-Law No. 10 of 2025, regulators are focused on demonstrable effectiveness rather than formal compliance. As FATF’s 2026 mutual evaluation approaches in June, institutions with mature AML capabilities, evidenced through effective transaction monitoring, timely escalation, and high-quality suspicious transaction reporting, will benefit from faster market access, improved cross border flows, stronger correspondent relationships and participation in regional and international growth opportunities. Those unable to evidence effectiveness face increased operational friction, regulatory attention, and strategic constraints. What the Fines Tell Us Recent enforcement action by the Central Bank in 2025 makes regulatory priorities unmistakable. It signals that regulators are focusing less on formal compliance frameworks and more on whether controls work in practice. Institutions with fragmented monitoring, weak escalation, or poor governance are under pressure. Those with demonstrably mature AML operations are increasingly differentiated by both regulators and counterparties. The New Rules: What Changed and Why It Matters Federal Decree-Law No. 10 of 2025, effective 14 October 2025, is not just another regulatory update. It is the enforcement mechanism behind the fines we have already seen and the framework that will determine which banks get access to the opportunities ahead. Lower Prosecution Threshold: The law no longer requires authorities to prove “actual knowledge” of criminal intent. Banks can now be held liable if they “should have known” based on circumstantial evidence. Extended Enforcement Powers: The Financial Intelligence Unit can now freeze funds for up to 30 days (up from 7) and suspend transactions for 10 working days without notice. For banks with weak screening systems or slow escalation processes, this means operational disruption. For those with automated controls and clear escalation protocols, it means being able to demonstrate rapid response capability. Personal Liability for Senior Management: Senior managers and directors can now face personal criminal liability, from fines to imprisonment, if violations occur due to breach of duty or known negligence. Corporate fines have doubled to a range of AED 5 million to AED 100 million. Expanded Scope: The law now criminalizes Proliferation Financing as a standalone offense, directly regulates Virtual Asset Service Providers (VASPs), and explicitly includes tax evasion as a predicate offense. Banks that have already integrated sanctions screening for proliferation risk and built VASP monitoring frameworks have a structural advantage. What This Means in Practice For Banks For banks, AML maturity is now directly linked to speed, access, and credibility. Banks with integrated monitoring systems, strong model governance, and clear escalation timelines will find cross-border transactions moving faster and relationships easier to maintain. Those that cannot evidence effectiveness may experience quiet friction — slower onboarding, enhanced reviews, and reduced appetite — even without formal regulatory action. In this environment, AML is no longer a defensive function. It is an enabler of market access. For Exchange Houses Exchange houses sit at the sharpest edge of enforcement risk. The scale and concentration of recent penalties indicate heightened regulatory sensitivity to cash-intensive activity, remittance corridors, and frontline control failures. For exchange houses, the issue is not just whether controls exist, but whether they scale with volume and velocity. For VASPs For VASPs, the regulatory transition is now explicit. They are expected to demonstrate the same seriousness of intent as traditional financial institutions — including transaction monitoring calibrated to blockchain risk typologies, sanctions screening, and meaningful STR engagement. FATF 2026: The Evidence Test All of this leads to a clear milestone. The FATF’s 5th Round Mutual Evaluation of the UAE is scheduled for June 2026. The methodology prioritizes effectiveness over form. Assessors will ask whether laws produce outcomes: investigations, convictions, asset recovery, and high-quality financial intelligence. Banks, exchange houses, and VASPs will collectively form the UAE’s evidence base. The Strategic Question For regulated institutions in the UAE, the strategic question has shifted. It is no longer whether an institution can pass an audit. It is whether its AML framework produces evidence that regulators can rely on and counterparties can trust. For leadership teams, now is an appropriate moment to step back and ask a simple question: If our AML framework were tested tomorrow, would it speak for itself? That reflection, more than any single regulatory deadline, is what will shape market access in the years ahead.

RBI Advisory on Real-Time NCRP API Integration: What Indian Banks Need to Know

Posted on December 19, 2025December 19, 2025 by Vivekananda J

The Regulatory Context
RBI’s latest advisory to all banks in India on integrating with the National Cyber Crime Reporting Portal (NCRP) for real-time complaint handling is unambiguous. Banks that have not completed onboarding must do so “without further delay” and treat this as “highest priority.”

The advisory also directs all banks, including those already on the portal, to complete API-based integration for real-time action on complaints. The integration must cover all systems and delivery channels. Performance must be reviewed periodically.

The message is clear; manual processing is no longer sufficient. Real-time response is now the expectation.

The Challenge
India’s instant payment infrastructure is a remarkable achievement. But speed cuts both ways. When fraud succeeds, funds can move through multiple banks, mule accounts, and exit channels within 30 minutes.

Still most banks process NCRP complaints through manual workflows. This made sense when volumes were lower. But as digital transactions scale and fraud patterns evolve, the gap between how fast money moves and how fast banks can respond is widening.

The goal now is to close that gap. When a complaint lands on NCRP, the response should be immediate: lien marked, freeze triggered, investigation initiated. This is the Golden Hour standard.

We Started This Journey Early
At Clari5, we recognised the importance of real-time NCRP integration before the regulatory push. In 2024, we partnered with Punjab National Bank to build India’s first national-scale implementation. Serving 180 million customers across 10,000 branches; PNB needed a system that could match the speed of the threat.

The Clari5 Cybercrime Complaints Processing Platform (CCCP) delivered:

Resolution time reduced from days to within the Golden Hour
Thousands of complaints processed daily without slowdowns
Full automation from 1930 Helpline intake to resolution
Complete alignment with RBI, DFS, and I4C requirements

We did not stop there. Since PNB, we have extended real-time NCRP API integration to more banks across India. Each implementation has sharpened our understanding of what works at scale.

Why Automation Matters
The benefits go beyond compliance.

Speed. When complaints resolve in the Golden Hour instead of days, funds have a better chance of recovery. Customers see the difference.

Focus. Automation handles the volume. Your investigators get to do real investigative work: pattern analysis, mule network mapping, regulatory coordination.

Confidence. When RBI reviews your fraud response capability, a working system speaks louder than a roadmap.

What This Means for Your Bank
Regardless of size, every bank faces the same question: can we respond in real time?

This does not require a multi-year transformation. We have helped banks go live under 30 days. The platform scales alike from regional players to institutions.

Nearly two decades of building fraud systems for Indian banks taught us one thing. The only defense that works is one that moves as fast as the attack. We have done this more than anyone else in this space, and we are ready to help you get there.

Looking Ahead
Regulatory expectations are only going to increase. Banks that move early will have time to refine their systems. Those that wait will find themselves under pressure.

Clari5 & PNB chose to be the Pioneers, we chose to lead. The playbook is proven. The technology is production-ready.

If you are evaluating your options, we would welcome the conversation. Schedule a demo.

Clari5 Powers Real-Time AML & Fraud Controls for Indonesia’s OJK Regulation No. 12/2024: A New Era of Accountability

Posted on December 5, 2025December 9, 2025 by Vivekananda J

Indonesia’s Financial Services Authority (OJK) is bringing in a new era of anti-fraud governance with Regulation No. 12/2024. It mandates that all Financial Services Institutions (LJKs), including banks, insurers, and fintechs, implement a comprehensive, four-pillar anti-fraud strategy. This regulation supersedes earlier fragmented rules, holds boards and commissioners directly accountable, and expands requirements across the broader financial landscape.

The four foundational pillars that OJK sets out are prevention; detection; investigation, reporting, and sanctions; and monitoring, evaluation, and follow-up. These anti-fraud pillars demand holistic integration across all channels and product lines. Banks must unify monitoring systems, deploy forward-looking behavioral analytics, conduct scenario-based simulations for emerging threats such as fraud rings, and provide audit-ready documentation at all times. Institutions relying on legacy rule-based systems, disconnected fraud tools, or manual reporting workflows face a critical choice: modernize rapidly or risk operational disruption, regulatory penalties, and erosion of customer trust.

Timeline: POJK 12/2024 was issued on July 31, 2024, and took effect on October 31, 2024. Banks must now have anti-fraud strategies fully operational, with the next semi-annual reporting deadline of January 31, 2026, rapidly approaching.

The Impact for Indonesian Banks
Clari5 has been transforming fraud prevention over the last two decades, iterating continuously to address challenges typically faced by large FIs and to provide an enterprise-wide solution equipped for the new-age fraud landscape. Just as the brain processes threats instantly, Clari5 can help process fraud intelligence across channels in milliseconds.

Holistic integration
Institutions must unify real-time monitoring, AI-driven analytics, and scenario management across all channels. No more silos.

Board-driven compliance
Boards are explicitly accountable for embedding anti-fraud strategies, with sharp personal penalties for lapses.

Stricter controls
From enhanced identity verification and fraud scenario simulations to real-time behavioral monitoring and fraud ring detection, compliance is both proactive and preventive.

Ecosystem-wide effect
The rules extend beyond banks, affecting conglomerate subsidiaries and non-regulated entities under their control.

Meeting OJK 12/2024’s Mandates: The Clari5 (Perfios) Approach
OJK 12/2024 requires a unified, intelligence-led fraud strategy. Clari5, a Perfios company, delivers this through

Holistic Integration (Article 7): Unified real-time monitoring across accounts, cards, payments, and wallets, eliminating the data silos that plague legacy systems
Board Accountability (Article 5): Automated dashboards with incident tracking, ensuring boards have real-time visibility into fraud KPIs
Rapid Reporting (Article 12): was Significant fraud incidents must be reported to OJK within 3 business days of discovery—a deadline impossible to meet with manual processes. Clari5’s pre-configured report templates and automated data aggregation enable 1-click submission, ensuring timely compliance and protecting board members from personal liability.
Advanced Detection (Article 8): Graph-based analytics for fraud ring/mule detection, going beyond transaction rules to behavioral patterns

Unlike generic fraud alerts that frustrate customers by halting legitimate transactions, Clari5’s AI learns each customer’s transaction behavior. This reduces false positives and enables smooth, secure transactions. A win-win for the bank and its customers!

Why Clari5 Stands Out

Enterprise Fraud Management vs Traditional Systems

Component	Clari5 Capability
Unified, Real-Time Protection	Clari5 eliminates data silos by monitoring accounts, cards, payments, digital wallets, and lending from a single platform. This holistic approach directly addresses OJK’s cross-channel oversight requirements and delivers operational efficiency that fragmented point solutions cannot match.
AI-Driven Intelligence	Advanced behavioral analytics and AI/ML models detect fraud patterns invisible to rule-based systems. This helps identify fraud rings, mule networks, and insider collusion by analyzing relationships across the entire customer ecosystem. Such intelligence-led approaches fulfill OJK’s mandate for forward-looking, scenario-based detection.
Compliance Automation	Pre-configured OJK reporting templates and incident workflows ensure 3-day notification compliance. Automated data aggregation, case documentation, and alert escalation eliminate manual bottlenecks while providing boards with real-time dashboards to demonstrate governance oversight.
Adaptive Threat Response	New fraud scenarios can be deployed in minutes as threats evolve, from AI-generated deepfakes and social engineering to instant payment exploitation. This agility supports OJK’s requirements for proactive, preventive controls without extensive system reconfiguration.
Ecosystem Integration	For banking groups, Clari5 extends detection across subsidiaries and fintech partners, meeting OJK’s mandate for comprehensive entity coverage. Seamless integration with core banking systems and payment gateways ensures full protection without disrupting existing technology investments.

Why Clari5 Stands Out

For a large Global Retail Bank with 150M customers, Clari5 prevented $600M fraud losses over 5 years demonstrating 90%+ fraud detection rates in real time.
Clari5 is recognized by Chartis Research as a Global Category Leader in the RiskTech Quadrant for EFM and AML for the past 5 years.

Why Does This Change the Game?

OJK 12/2024 accelerates Indonesia from a reactive, incident-driven model to a unified, real-time and intelligence-led approach. It will help the country outpace many regional peers while reflecting the urgency due to runaway fraud losses compared to neighboring markets:
A recent report from Indonesia’s Financial Services Authority (OJK) found that between November of 2024 and February of 2025, the Indonesian economy lost about IDR 700 billion (USD 45 million) to scams.
Losses accelerating faster than regional peers in the ASEAN region.
Online Scams Drain $474 Million from Indonesians in a Year.
The OJK established the Indonesian Anti-Scam Center (IASC) in November 2024 to identify the scale of the problem and work on collaborative solutions.
The IASC deals with 18 types of fraud, including illegal investments, online shopping scams, unlicensed lending and social media fraud.

The Risk of Non-Compliance: Financial, Operational & Reputational

OJK 12/2024’s penalties are designed to compel immediate action.
Non-compliant institutions face escalating administrative sanctions including financial penalties, license suspensions.
The market impact is equally damaging. Indonesian consumers increasingly evaluate banks on security and digital experience.
Institutions suffering publicized fraud incidents risk deposit flight and market share loss to competitors demonstrating superior protection.
In a digitally-driven market where switching costs are low, security perception directly impacts customer acquisition, retention, and brand value.

OJK 12/2024 marks a shift from fragmented controls to an integrated, intelligence-driven fraud framework. Indonesia’s comprehensive framework positions its financial institutions to leapfrog regional peers if they act decisively.

The path forward requires unified platforms, AI-driven detection, and automated compliance workflows. With the right technology foundation, Indonesian banks can transform OJK 12/2024’s requirements into competitive advantages: faster fraud interdiction, operational efficiency, and customer trust.

Clari5 delivers this through real-time behavioral analytics, automated reporting, and proven fraud prevention capabilities. The institutions that move quickly will define Indonesia’s financial services landscape for the decade ahead.

XacBank Fortifies AML Defense with Clari5

Posted on December 3, 2025December 3, 2025 by Vivekananda J

As Mongolia’s regulatory landscape evolved to meet FATF standards, XacBank faced a critical inflection point: modernize its financial crime compliance infrastructure or risk falling behind. The bank needed an integrated platform capable of addressing the full anti-money laundering (AML) lifecycle, from watchlist screening through investigation and regulatory reporting.

With Clari5’s AI-powered AML platform, XacBank now operates a unified compliance ecosystem spanning six core functional areas and 15 sophisticated monitoring scenarios. The on-premise deployment ensures complete data sovereignty while delivering enterprise-grade detection capabilities.

Discover how XacBank is setting a new standard for AML compliance in Mongolia’s banking sector.

Philippine Veterans Bank Sets New Benchmark with Clari5

Posted on November 24, 2025November 24, 2025 by Vivekananda J

Philippine Veterans Bank has partnered with Clari5 to deploy its AI-powered Enterprise Fraud and Risk Management platform in just 45 days, achieving one of the fastest enterprise-scale fraud prevention rollouts in the industry. The record implementation strengthens real-time fraud detection across digital channels and regulatory compliance, positioning PVB as a leader in next-generation banking security.

Financial Trojan Horses: The Growing Impact of Money Mule Fraud in the Middle East

Posted on November 17, 2025November 18, 2025 by Vivekananda J

Across the Middle East, money mule fraud is escalating, driven by fake job scams, social engineering, and high-volume remittance flows. With criminal rings operating across borders, regulators such as CBUAE, SAMA, and QCB are redefining fraud prevention for the digital era. This paper unpacks the region’s fast-changing risk dynamics and the immediate priorities for bank leaders to stay ahead.

IBM LinuxONE + Clari5: Fraud Strategy Isn’t Just About Innovation. It’s About Execution.

Posted on October 27, 2025October 28, 2025 by Vivekananda J

In today’s fast paced financial environment, banks and financial institutions (FIs) are racing to address increasingly sophisticated fraud threats. Customers demand seamless and secure service, while regulators push for stricter compliance.

The question is: Can outdated fraud prevention systems meet these demands?

In 2024 alone, global banking fraud losses exceeded $45 billion, while cybercrime inflicted over $16.6 billion in damages worldwide, a staggering 33% increase from 2023. Meanwhile, emerging threats like deepfake fraud surged by 900%, and synthetic identity fraud losses jumped 7% in just the first half of 2024, underscoring the urgent need for smarter, AI-powered defenses that can keep pace with today’s sophisticated criminals.

Clari5 is transforming how FIs manage fraud and compliance with its real-time, unified Enterprise Fraud Management (EFM) and Anti-Money Laundering (AML) platform. Unlike traditional tools that only address narrow fraud use cases, Clari5 delivers a single, seamless solution that covers all banking channels, enabling banks to stay ahead of financial crime, ensure regulatory compliance, and elevate the customer experience.

Fraud has evolved into an intelligent, industrialized operation. Mule networks, synthetic identities, deepfakes, and real-time attacks are now the norm. Institutions have responded with analytics, AI, and automation — yet losses continue to rise. The issue isn’t a lack of innovation. It’s a lack of execution at scale.

Many fraud solutions are constrained by fragmented systems and infrastructure constraints inhibiting speed, complexity, or scale. Financial institutions increasingly need real-time inbound transaction monitoring and rapid mule account detection to stop sophisticated fraud before it impacts customers or the bank. To stay ahead, institutions need more than smarter ideas — they need an optimized foundation to bring them to life.

Fraud prevention is one of the most urgent and complex challenges in digital banking and payments. Banking, Cards, and Payments Card Losses reached US$533 billion in 2024. Celent estimates that a significant 70% of banking, cards, and payments transactions globally run on IBM Z mainframes. If advanced AI inferencing were applied to all banking and payments transactions running on IBM Z, it could result in as much as US$190 billion globally in additional captured fraud. (Celent Report 2025: Mitigating Fraud in The AI Age: Understanding the Challenge).

Where Strategy Meets Infrastructure

At Clari5, we believe effective fraud defense must move beyond isolated tools and toward orchestrated, real-time intelligence across the customer lifecycle.

Delivering on that requires infrastructure that can:

• Score millions of transactions per second
• Run inferencing in milliseconds, within the transaction
• Securely integrate behavioral, device, and external signals
• Remain compliant across jurisdictions — without latency

This is where the new IBM z17 and IBM LinuxONE Emperor 5 becomes critical. Purpose-built for data-intensive, AI-driven workloads, IBM LinuxONE Emperor 5 enables Clari5 to deploy real-time fraud prevention at the scale and speed today’s threats demand. The second generation on-chip AI accelerator on IBM LinuxONE Emperor 5 significantly boosts AI inferencing capabilities for fraud detection, risk assessment, and other critical applications.

IBM LinuxONE Emperor 5 and Clari5

The Power of Mitigating Fraud in the AI Age As financial crime becomes more reputational than operational, fraud management is no longer a backend process. It’s a strategic imperative. Together, IBM LinuxONE and Clari5 focus not just on detection, but on enabling our clients to execute their fraud strategy — intelligently, instantly, and at scale. With the right ideas and the right infrastructure that are purpose-built for mission-critical outcomes.

Clari5 Enterprise Fraud Risk Management (EFM) solution on IBM LinuxONE Emperor 5 enables banks and financial institutions with real-time inferencing during transactions, real-time mule account detection, and rapid AI decisioning at the point of data generation. Clari5’s AI/ML models leverage IBM’s Telum II processor to process huge volumes of data to reduce false positives and help in customer onboarding. ML models grow better with growing data elements, and the specialized Telum processor provides the much-needed energy efficient processing power for decisioning in real-time.

Extending the Value

Integration with Infosys Finacle Detecting fraud in real time is essential, but integrating that intelligence into everyday banking processes is what truly differentiates leading institutions.

With Infosys Finacle’s API-driven digital core banking platform, Clari5’s insights become an embedded part of transaction processing and customer engagement. Running this combined stack on IBM LinuxONE Emperor 5 delivers unmatched advantages:

• AI at Scale: Real-time inferencing with millisecond-level decisioning
• Cloud-Native Agility: Containerized deployment and seamless scalability
• Sustainability and TCO Efficiency: Consolidation that cuts both cost and carbon footprint
• Resiliency and Compliance: Always-on availability with regulatory confidence

A Differentiated Fraud Defense Stack

Together, IBM LinuxONE Emperor 5, Clari5, and Finacle create a differentiated platform where:

• LinuxONE Emperor 5 provides the secure, energy efficient, AI-ready infrastructure
• Clari5 delivers orchestrated, real-time fraud intelligence
• Infosys Finacle operationalizes that intelligence across the customer lifecycle

This synergy allows banks to replace fragmented systems with a cohesive, cloud-ready fraud prevention strategy, one that protects revenue, strengthens trust, and accelerates digital transformation.

Looking Ahead

IBM LinuxONE Emperor 5 is built to redefine AI at scale, drive innovation, power new workloads, and enhance productivity—all in a secure, reliable, and resilient environment. Clari5 is committed to helping clients leverage IBM LinuxONE Emperor 5’s potential and work together to empower organizations to modernize systems, act in real-time, and maintain transaction integrity.

Let’s Build a Smarter Defense Together

Reach out to learn how Clari5 and IBM LinuxONE can help your financial institution stay one step ahead of evolving threats. Discover more about our solution or set up a discovery workshop—we’d love to connect.

Khan Bank Elevates Fraud Defense with Clari5 Real-Time Intelligence

Posted on October 27, 2025October 27, 2025 by Vivekananda J

Mongolia’s leading commercial bank, Khan Bank, faced an increasingly complex fraud landscape driven by rapid digital growth and rising transaction volumes. The bank needed to move beyond fragmented monitoring systems to achieve real-time, enterprise-wide visibility and control.

With Clari5’s Enterprise Fraud Risk Management (EFRM) platform, Khan Bank now detects and prevents fraud across all channels in real time. The solution unifies fraud prevention and investigation on a single, intelligent platform, strengthening compliance, accelerating case resolution, and significantly reducing fraud incidents.

Read how Khan Bank and Clari5 are redefining financial crime prevention and setting a new benchmark for fraud risk management in Mongolia.

Clari5 at Singapore FinTech Festival (SFF) 2025

Posted on October 22, 2025November 14, 2025 by Vivekananda J

At SFF 2025, the world’s largest fintech event, Clari5 joined global leaders in banking, policy, and technology to explore how AI can transform trust, security, and resilience in financial services.

At the Perfios booth (2B25) at Singapore EXPO, Clari5 demonstrated how real-time intelligence enables financial institutions to detect and prevent fraud, enhance AML operations, and strengthen compliance across the enterprise.

Highlights from the showcase:

• Real-time fraud detection and prevention before impact
• Unified enterprise-wide AML and compliance management
• Explainable AI supporting transparent and auditable decisioning
• Integrated risk intelligence across channels, systems, and regions

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Author: Vivekananda J