Endava Payment Risk & Fraud Strategy Implementation

Highlights:
• Real-Time Scoring: Configurable rule engine sits in your authorization path
• Automated KYC/KYB: Streamline compliance and identity verification
• Fraud Management Console: Back-office UI for risk analysts to tune rules

Modernize Fraud Defense Without Killing Conversion
Endava's "Payment Risk & Fraud Strategy Service" is a professional engagement designed for payment providers and merchants who are struggling with rigid, "black box" fraud tools. We leverage our proprietary Risk Calculation Engine accelerator to implement a transparent, rule-based fraud strategy that sits in the authorization path of your existing gateway. This service allows you to define custom risk rules, score transactions in real-time, and block fraud while ensuring legitimate customers are not rejected.

Transparent, Configurable Rule Engine
Unlike AI-only solutions that can be unpredictable, our solution provides a configurable Rule Engine that gives you full control. We work with your risk team to define specific criteria (e.g., high-value transactions, velocity checks, country mismatches) and implement them as scored rules. This ensures you understand exactly why a transaction was flagged and allows you to tune your strategy instantly as fraud patterns shift.

Automated Compliance & Onboarding (KYC/KYB)
We streamline your compliance operations by integrating our Compliance Service modules. This includes connecting to third-party identity verification providers (like Onfido) to automate Know Your Customer (KYC) and Know Your Business (KYB) checks. We build the workflows to push this data into your CRM, reducing manual review times and accelerating user onboarding.

Seamless Integration with Existing Infrastructure
Our service focuses on integrating these risk capabilities into your current environment. We build the "pre-authorization hooks" to connect our Risk Engine to your existing Payment Gateway, allowing for real-time scoring before a transaction is sent to the bank. We also handle the secure data handling requirements, ensuring PII is protected throughout the risk assessment process.

Azure Products Utilized:
• Azure Kubernetes Service (AKS): High-performance, scalable container orchestration hosting the Risk Calculation Engine, Compliance Service, and Back-Office Portal
• Azure Cosmos DB: Globally distributed, ultra-low latency NoSQL database used to rapidly evaluate risk rules and store transaction scoring history
• Azure API Management (APIM): Securely manages the "pre-auth hooks" exposed to your existing payment gateway, providing traffic throttling and threat protection
• Microsoft Entra ID: Enterprise-grade identity and access management. We configure role-based access control (RBAC) so only authorized fraud analysts can log into the Back-Office Portal to alter risk rules
• Azure Key Vault: Secures the API keys and credentials required to communicate with third-party compliance providers (e.g., Onfido)