Connect your fraud stack
Connect code, events, identity signals, rules, models, labels, case outcomes, review queues, and experiment history.
Fraud & risk
The applied science factory for improving fraud decisions
Pavo learns how your fraud system works across events, rules, models, labels, and outcomes. It builds the evaluation and runs controlled tests to reduce loss while measuring customer friction.
Current risk stack
model · rules · review queue
Transaction + device
amount · velocity · fingerprint
Account + network
tenure · links · shared identity
Candidate policies
thresholds · rules · step-up
Policy replay
on labelled history
Shadow mode
decisions logged, not enforced
Fraud loss falls
Increase experimentation velocity
Explore features, rules, models, thresholds, and review policies in parallel. Move stronger candidates to tests faster.
Increase win rates
Evaluate candidates across attack patterns, cohorts, and asymmetric costs. Reserve live traffic for stronger evidence.
Force multiplier for your team
Automate case analysis, offline evaluation, and experiment preparation.
How it works
From a loss goal to a controlled test. Connect your stack, verify what Pavo understands about your system, then start giving it projects.
Build system understanding
Pavo reconstructs how your production system works. Your team verifies the system book.
Run applied science projects with Pavo
Give Pavo a loss goal and guardrails. It frames the problem, runs analyses, compares policies, and opens PRs.
Capabilities
Applied science capabilities for the whole team.To reduce fraud loss while protecting good customers and investigator capacity.
Applied science judgement
Picking the right problem, the right approach, the right lever
- Finds where the losses are concentrated - which channel, which segment, which attack pattern
- Knows whether to fix features, rules, model thresholds, or the review queue
- Grounds it in your own past rule changes and case outcomes, not just what's in the repo
Scientific rigour
Explores widely, and ships only what's proven
- Tries features, rules, models and thresholds together instead of one rule change at a time
- You see the catch-rate and false-positive tradeoff on your own labelled cases, before it goes live
- Checks new and thin-file users separately - no catch-rate win that blocks good customers
Knowledge compounds
Every iteration makes the next one cheaper
- The work itself produces new knowledge - how attack patterns shift, which signals age out, where the catch-rate and friction tradeoff actually sits
- Written back to your system book, reviewed by your team, reused next time - it stays with you
- Your team owns the learnings, so v2 to v3 to v4 gets faster, not just further
Use-cases
Our fraud controls catch bad actors, but they also block too many good customers
Pavo compares rules, score thresholds, and step-up challenge policies, then measures mature fraud loss, approval, challenge completion, and customer friction by cohort.
Fraud lossApproval rateChallenge completionFalse positives
New attack patterns spread before our supervised models have labels to catch them
Pavo segments event and entity time series, compares anomaly and rule candidates, then validates precision on mature outcomes before analysts approve a production change.
Time to detectPrecisionRule coverageMature fraud loss
Our review queue fills faster than analysts can investigate the highest-risk cases
Pavo compares score-based and capacity-aware queue rankings, then measures precision and loss captured at each review budget, with delayed outcomes handled explicitly.
Precision at capacityLoss capturedReview rateQueue age
Security and trust
The security posture your compliance team wants
ISO 27001
Certified
SOC 2 Type II
Compliant
Encryption
Encrypted in transit and at rest, with managed production keys.
Access control
Least-privilege access, enforced with MFA and reviewed quarterly.
Data control
Tenant-segmented, with retention and customer-controlled deletion.
Monitoring and response
Continuously monitored, centrally logged, and ready to respond.
Tested and patched
Independently pen-tested, scanned, and kept current against threats.
Resilient by design
Multi-AZ with backups and a tested continuity and recovery plan.
Full reports, policies, and the complete control list are available on request through the Trust Center.
Build a fraud system that improves, with every investigation.
Start with one fraud decision and one loss metric. Pavo helps your team understand the system, evaluate better policies, and ship the first team-approved experiment.