The agentic
fraud and AML
investigation platform.

Reads your data. Follows your SOPs. Ships dispositions your QA, partner bank, and examiner sign off on.

Book a demo

Trusted in production by

Arc
Next Insurance
eBay
A Global Systemically Important Bank
Affirm
Crossmint
Prediction Market
Dutchie
Arc
Next Insurance
eBay
A Global Systemically Important Bank
Affirm
Crossmint
Prediction Market
Dutchie

Today's reality

Risk teams are stuck
between two bad options.

Option A

Hire and outsource. Cost climbs. Quality drifts.

Option B

Lean on rules and models. Typologies slip through.

Both leak money. Neither scales with your queue.

The answer

Meet Roe.

AI agents that investigate every fraud, dispute, and AML case end-to-end. Cited evidence. Audit-ready. Every review feeds the next thousand.

See how it works

The agents

A specialist agent for every
financial-crime workflow.

One agent per discipline. One evidence layer. One audit trail. One QA loop.

Fraud Trend Agent

Detect coordinated activity before it scales.

Clusters transactions, devices, and entities. Surfaces fraud rings days ahead of rules.

Fraud Investigation Agent

Investigate every case end-to-end.

Triages chargebacks, disputes, and 1P/3P fraud. Every decision cited. QA and partner banks sign off.

Merchant Risk Agent

Onboard, monitor, and adjudicate merchants.

Reads websites, beneficial-owner filings, and transactions. Underwrites new merchants. Watches your book against policy.

AML L1 Agent

Every TM alert and screening hit, investigated.

Triages TM alerts. Adjudicates sanctions, PEP, and adverse-media hits. SAR-ready narratives, cited to source.

Fraud Support Agent

Reply to holds, denials, and appeals on-policy.

Drafts customer messages and runs appeals end-to-end inside Zendesk, Intercom, and Pylon. Tipping-safe and audit-ready.

Data Standardization Agent

Turn unstructured artifacts into structured data.

Reads PDFs, webpages, and screenshots. Enriches from public sources. Normalizes to your schema and lands cited rows in your warehouse.

How it works

A continuous loop.
Not a one-shot model.

Every case your QA team reviews refines the next thousand. Each disposition becomes a labeled example for the rest of your detection stack.

01

Case arrives

Cases land from any source system. Disputes, chargebacks, ATO escalations, TM alerts.

02

Agent investigates

Roe walks your SOP line by line. Each step is checked, cited, or escalated against the evidence Roe pulled.

03

Human QA review

Your analysts spot-check edge cases. Their corrections become memory Roe carries into every future case.

04

Customer follows up

When a customer responds to a disposition, Roe's support agent reads the case file and drafts the next step.

05

Reviews become labels

Every disposition and correction feeds labeled cases back into your rules and ML. Detection stays current with the typologies you actually see.

Integrations

Sits on top of the stack
you already trust.

Roe is a layer, not a replacement. It reads where your data already lives and posts back where your team already works.

Risk data providers

Sanctions, PEP, adverse media, KYC and KYB, business filings, credit signals.

LexisNexis
Dow Jones
TransUnion

Data warehouses

Reads your customer, transaction, and case data where it already lives.

Snowflake
Google Cloud
Databricks

Case management

Posts cited dispositions and SAR-ready narratives back to your case manager.

Verafin
NICE Actimize
Hummingbird
ComplyAdvantage

CRM and ops tooling

Joins customer records, internal apps, and operator workflows in the same case file.

Salesforce
Retool

Customer support

Drafts customer responses and runs appeals inside the inbox your team already uses.

Zendesk
Intercom
Pylon

Anything that doesn't have an API

Roe runs as a browser agent on top of legacy consoles, partner portals, and internal tools. Same investigation, same audit trail, no integration lift.

Browser agent · works on any web app

By the numbers

Outcomes from
regulated production.

Aggregated across live customer deployments. Fraud, dispute, AML, and KYB workflows. Benchmarks available under MNDA.

86%

Day-one accuracy on production cases

Benchmarked against analyst-graded ground truth

75%

Cost reduction vs offshore fraud ops

Customer cost-per-case studies, 2025

91%

Faster time-to-disposition

Median across fraud, dispute, and AML reviews

1 wk

Fastest time to first production decision

Across deployments completed in 2025

In production

In the hands of teams
defending the financial system.

Roe runs inside card networks, BNPL leaders, marketplaces, and crypto-native compliance teams. Where the alert volumes and the regulatory stakes are highest.

“Roe is essential for our complex risk workflows and provides invaluable components to enhance our robust risk detection system.”
Risk Manager
Affirm
Affirm
“Roe has scaled our compliance operations. Cost is down, accuracy is up, turnaround is faster. An outstanding partner.”
Alexander
Risk Automation Engineer, Crossmint
Crossmint

By industry

Tuned to your fraud
and compliance program.

Every deployment ships with the typologies, policies, and audit formatting your team and your regulator already work to.

Card Issuers & Processors

Typology-tagged labels for first-party fraud and ATO. Trains your transaction model.

Buy-Now-Pay-Later

Fraud labels for the consumer model. End-to-end underwriting for the merchant book.

Marketplaces

Scam, phishing, and fraud-ring labels your ML team can train on.

Sportsbooks & Prediction Markets

Fraud reviews and KYC at peak-event volume. Multi-state regulator-ready.

Insurance Carriers & MGAs

Commercial underwriting and continuous policyholder monitoring. Cited every step.

Banks & Sponsor Banks

EDD and transaction investigation. Examiner-ready audit, single-tenant deploy.

Why Roe

Built to investigate.
Not to summarize.

Reads structured and unstructured evidence. Follows your SOPs. Produces a cited disposition your QA and examiner sign off on.

Reasoning

Summarize the alert. Decision stays with the analyst.

Investigate until a defensible disposition is reached.

Evidence

Black-box outputs with no auditable reasoning trail.

Every claim cites the field, document, or query that produced it.

Data

Single-modality. Structured tables or text only, never both.

Multimodal. SQL across your warehouse plus PDFs, images, websites, socials, and call recordings, all reasoned together.

Learning

Static models. Improvements take manual retraining cycles.

QA feedback re-tunes policy alignment continuously.

Deployment

Shared SaaS data plane. One audit log per tenant.

Single-tenant VPC. Customer-managed keys. Per-case audit log.

Blog & Newsroom

Field notes from
the investigation desk.

All posts
Alternative Data Intelligence

Bad Actors Don't Use Their Real Name

Why KYC alone can't stop what's coming, and what to do about it.

Derrick Ongchin & Matt YaoApr 24, 2026
Read
Engineering

How We Build at Roe

The values of an AI-native engineering team.

Junkai YanJan 16, 2026
Read
AI Agents

A New Era for Risk and Compliance Investigations

How AI agents are transforming financial-crime investigations.

Richard MengJan 12, 2026
Read

Security & governance

Built for the
second line of defense.

Deployed inside heavily examined financial institutions. Roe fits inside your model governance like any other production model.

Visit our trust portal

Attestations

SOC 2Type II
HIPAACompliant
GDPRCompliant

Deployment options

AWSSingle-tenant
GCPSingle-tenant
AzureSingle-tenant
On-premAvailable

Zero data retention

No training on customer data. Configurable retention. Customer-managed encryption keys available on request.

Single-tenant deployment

Private VPC deployment on AWS, GCP, or Azure. Data plane never leaves your environment.

Role-based access

Granular permissions across data, agents, and dispositions. SSO and SCIM provisioning out of the box.

Immutable audit trail

Every prompt, source, and decision is logged immutably and exportable to your GRC system.

Versioned policies

SOPs and prompts are git-tracked. Roll back any change and replay historical cases against either version.

Model risk aligned

Model documentation, validation evidence, and challenger-model support designed for SR 11-7-style governance.

See Roe investigate
your real cases.

Book a demo