Alert → Verify → Document → Human review
AI agents for
financial risk teams.
Fraud analysts at banks, credit unions and card issuers spend the day on intake, not investigation. CheckNexa runs the cardholder call on your approved script, structures every answer, and hands your team a completed case file.
Built for the teams protecting financial institutions
- Banks
- Credit unions
- Fintechs
- Card issuers
- Payment companies
- NB-2026-0912Sarah ChenXYZ Electronics$1,427.00Ready for Review
- NB-2026-0914Priya RamanLumen Travel Group$2,650.75In Call
- NB-2026-0908Daniel OkaforGrayline Home Supply$412.40Ready for Review
Do you recognize the $1,427.00 transaction at XYZ Electronics?
No. I've never purchased anything there.
Do you currently have possession of your card?
Never asks for a PIN, password, CVV or full card number
The problem
Six of the seven steps before an investigation are preparation.
A trained analyst does all six. CheckNexa moves the human entry point to the one that needs judgment.
Alert generated
Analyst timeAnalyst reviews alert
Analyst timeAnalyst contacts customer
Analyst timeAnalyst asks repetitive questions
Analyst timeAnalyst writes notes
Analyst timeAnalyst creates case summary
Analyst timeAnalyst finally investigates
The work that needs a humanThe product
From fraud alert to analyst-ready case.
Three things happen before your team opens the file. All three are automated; none of them decide anything.
Do you recognize the $1,427.00 transaction at XYZ Electronics?
No. I've never purchased anything there.
Do you currently have possession of your card?
Never asks for a PIN, password, CVV or full card number
Verify
The cardholder call, run on your script.
CheckNexa Voice dials the customer, states plainly that it is an automated assistant, and works through the institution-approved workflow — branching on the answers it gets.
- Approved questions onlyThe agent may rephrase conversationally. It cannot invent a question or request a credential.
- Never asks for credentialsNo PIN, password, CVV or full card number — the schema has no column to store one.
- transaction_recognizedNO0.96
- transaction_authorizedNO0.94
- card_in_possessionYES0.98
- additional_unknown_transactionsYES0.88
- reported_suspicious_contactUNKNOWN0.41
Ambiguous answers are recorded as UNKNOWN and surfaced to the analyst — never inferred.
Document
Every answer structured, ambiguity preserved.
The transcript is stored append-only, then converted into typed fields with confidence scores. An unclear answer stays unclear rather than being resolved into a guess.
- Typed answers with confidenceyes / no / unknown per approved question, each traceable to the words that produced it.
- UNKNOWN is a real outcomeLow-confidence responses surface as unresolved questions instead of being inferred.
Customer does not recognize or authorize the flagged $1,427.00 transaction at XYZ Electronics. Reports the physical card remains in their possession and no known card sharing. Reports two additional transactions they do not recognize.
1 unresolved question
Suspicious contact — response was ambiguous and was not inferred.
No action here declines a transaction or freezes an account.
Review
Your analyst opens a case, not a blank form.
Facts, AI interpretation and source evidence are kept visibly separate, so a reviewer can always tell what the customer said from what a model concluded.
- Fact and inference, separatedCustomer statements and the generated summary live in different places by design.
- Three outcomes, no account actionsMark reviewed, request follow-up, or escalate. Nothing here freezes an account.
CheckNexa AI
Intelligence that stays inside the script.
The agent is capable enough to hold a real conversation and constrained enough that a risk committee can sign it off.
- Conversational interviewingRephrases approved questions naturally and follows the branch the customer's answer dictates.
- Response extractionTurns free speech into typed fields with a confidence score on every one.
- Case summarisationProduces the narrative an analyst would otherwise write, with unresolved questions called out.
- Constrained by designCannot invent questions, request credentials, or record a fraud determination.
- transaction_recognizedNO0.96
- transaction_authorizedNO0.94
- card_in_possessionYES0.98
- additional_unknown_transactionsYES0.88
- reported_suspicious_contactUNKNOWN0.41
Ambiguous answers are recorded as UNKNOWN and surfaced to the analyst — never inferred.
- 14:02:11case.createdHuman
- 14:02:41call.answeredSystem
- 14:02:44question.askedAI
- 14:06:15call.completedSystem
- 14:06:29summary.generatedAI
- 14:31:04case.reviewedHuman
Updates and deletes are rejected — including from the service role.
How it works
Four steps. Your team owns the fourth.
Cardholder contact to analyst-ready case, unattended.
- 01
Connect
Your detection engine, case manager or processor refers a flagged authorization for verification.
- 02
Verify
CheckNexa Voice contacts the cardholder and runs your institution-approved question workflow.
- 03
Document
The call is transcribed append-only and responses become structured fields with confidence scores.
- 04
Review
The analyst opens a documented case — transcript, structured answers, summary, unresolved questions.
Capacity model
Put your own numbers in.
Intake is the largest controllable cost in a fraud queue. Enter your volume and handle time; the arithmetic is shown.
Your numbers
per month · Cases your rules or model refer for verification.
minutes · Dial, wait, interview, write notes, structure the case.
minutes · Reading a documented case instead of building one.
per hour · Salary, benefits, overhead — your finance team's figure.
Analyst capacity redeployed
Hours returned / month
300
Hours / year
3,600
Annual value of that time
$162,000
Analyst FTE equivalent
2.1
- Intake today
- 400 analyst hours / month
- Review with CheckNexa
- 100 analyst hours / month
- Share of intake that is preparation
- 75%
How this is derived. Cases × handle time = intake hours. Cases × review time = review hours. The difference is capacity returned to investigation work; annual value multiplies it by your loaded hourly cost. FTE assumes 1,720 productive hours per year.
These are your inputs, not CheckNexa results. We publish no fraud reduction, loss prevention or accuracy figures — headcount is redeployed, not removed.
Same case volume. The difference is handle time.
- Manual intake
- Review only
| Today | 400 hours |
|---|---|
| With CheckNexa | 100 hours |
| Difference | 300 hours |
Twelve months at your current volume.
| Month 3 | 900 hours |
|---|---|
| Month 6 | 1,800 hours |
| Month 12 | 3,600 hours |
Preparation versus the judgment a case actually needs.
- Preparation · 9 min
- Judgment · 3 min
| Preparation | 9 minutes |
|---|---|
| Analyst judgment | 3 minutes |
Solutions
One workflow live. A clear roadmap behind it.
Only the first is a production capability. The rest are labelled so nobody plans against something that does not exist yet.
Card fraud verification
The cardholder interview after a transaction is flagged. Available today.
Account takeover
Verification workflows for suspected unauthorised access.
Payment fraud
Intake for disputed transfers and payment instructions.
Identity
Identity verification workflows for onboarding and step-up review.
Scams
Structured intake for authorised push payment reports.
AML
Information-gathering workflows supporting AML review.
Human control
AI speed. Human judgment.
The institution defines what the agent may ask. The agent does not improvise, and it does not decide.
- Institutions control the questions and the workflow.
- The agent follows approved procedures and cannot improvise one.
- Ambiguous answers are flagged rather than guessed.
- Original transcripts remain available and unedited.
- Every interaction writes an append-only audit entry.
- Final fraud decisions remain with authorized human teams.
- 1
AI agent
Conducts the approved interview
- 2
Structured case
Transcript, answers, summary
- 3
Human analyst
Reviews the prepared case
- 4
Decision
Made by an authorized person
- NB-2026-0912Sarah ChenXYZ Electronics$1,427.00Ready for Review
- NB-2026-0914Priya RamanLumen Travel Group$2,650.75In Call
- NB-2026-0908Daniel OkaforGrayline Home Supply$412.40Ready for Review
- NB-2026-0906Thomas LindqvistApex Jewellers$3,890.00Escalated
Enterprise readiness
Built with financial operations in mind.
Architecture designed with enterprise security requirements in mind.
Role-based access
Administrator, analyst and read-only roles enforced by database policy, not just hidden buttons.
Tenant isolation
Every record belongs to one institution. Another tenant's case reads as not found, even by direct id.
Append-only evidence
Transcripts and audit entries reject updates and deletes — including from the service credentials.
Workflow controls
The agent can only ask what an administrator approved. It cannot add a question.
Sensitive-data minimization
No PIN, password, CVV or full card number is requested or stored. Only the last four digits.
Human review
No autonomous account action exists in the product. Every case terminates at a person.
CheckNexa does not hold SOC 2, PCI DSS or ISO certification and makes no such claim. Production deployments require institution-specific security, privacy, regulatory and compliance review.
Give your analysts completed cases, not unanswered questions.
From fraud alert to analyst-ready case. See what your team would actually receive.
Stronger decisions. Safer tomorrow.