Best Fraud Detection and Real-Time Transaction Monitoring Solutions for Digital Banks and Fintechs in USA in 2025
Published: December 9, 2025
Executive Summary
We analyzed 4 solutions. Top Recommendation: Enterprise Risk Management Platform by FraudNet scored highest due to Unified orchestration across payments lifecycle with a no-code rules engine and enhanced detection of deepfake and synthetic identity fraud, providing broad risk visibility across digital payments and BaaS onboarding..
Enterprise Risk Management Platform
fraud.netFraudNet's Enterprise Risk Management Platform offers real-time, adaptive solutions for fraud detection, risk management, and compliance. Built for the unique needs of financial institutions and global commerce, it leverages advanced AI, machine learning, and a global anti-fraud network to deliver clarity and control over risk operations.
Key Features:
- AI & Machine Learning (custom models, supervised learning, anomaly detection, graph neural networks, generative AI)
- Data Orchestration and Enrichment
- Global Anti-Fraud Network (collaborative insights across industries)
- Entity Screening (onboarding risk assessment)
- Entity Monitoring (ongoing, automated risk detection)
- Transaction Monitoring (real-time, AI-powered protection)
- Intelligent Risk Decisioning (robust rules, transparent scoring)
- Case Management & Reporting (modernized investigations)
- Advanced Analytics (real-time, data-driven insights)
- Learning Loop (continuous improvement of detection models)
RiskOps
feedzai.comRiskOps is the world’s first unified risk operations platform, designed to synthesize all available risk signals and data to detect and prevent fraud, identity theft, and financial crime. It leverages advanced AI, machine learning, and behavioral analytics to provide real-time, omnichannel risk analysis and case management, supporting compliance and reducing operational silos.
Key Features:
- Behavioral biometrics, device intelligence, and malware detection for identity verification
- Real-time fraud detection using advanced machine learning and behavioral analytics
- Automated risk profiling, watchlist screening, transaction monitoring, and SAR filing for AML
- 360-degree view of customer risk by integrating demographic, behavioral, and transactional data
- AI-native risk decisioning with explainability, fairness, and governance safeguards
- Omnichannel Case Manager for unified alert and case management
- Intelligent dashboards and reporting tools for actionable insights
- Cloud-based platform capable of analyzing over 3000 payments per second
- Collaborative user experience for cross-team workflows
OrboAnywhere Platform
orbograph.comOrboAnywhere Platform modernizes check processing and fraud prevention for financial institutions by utilizing AI, self-learning, and deep learning technologies. It automates check recognition, payment negotiability testing, fraud detection, and compliance, supporting teller, branch, mobile, RDC, archive, lockbox, and ATM image capture.
Key Features:
- AI and deep learning-based check recognition
- Field detection using neural networks for precise field location
- Text classification for automated data extraction
- Interpretation and normalization of recognition scores using decision-tree models
- Modules for recognition, validation, and compliance
- Support for CAR (Courtesy Amount Recognition), LAR (Legal Amount Recognition), and MICR (Magnetic Ink Character Recognition)
- Integration of OrbNet AI technology
Alessa Transaction Monitoring Platform
alessa.comTransaction monitoring solution offering real-time, periodic, and event-based monitoring with machine-learning and rules-based analytics for financial institutions, fintechs, and MSBs to detect money laundering and fraud.
Key Features:
- API-first architecture enabling continuous risk updates and real-time party screening across multiple transaction types for immediate interdiction of suspicious activities.