Fraud, Risk & Compliance
Give your risk models the context raw transactions can't provide
Zafin’s Transaction Enrichment API adds merchant, category, and location context to support existing fraud detection and AML workflows.
Fraud and AML models are only as good as the context behind the data
An amount and a timestamp can’t tell a risk model whether a purchase happened at a known high-risk merchant category, in a location inconsistent with a customer’s history, or as part of a broader pattern that warrants review. That context lives in the merchant and category data — and raw bank feeds don’t provide it cleanly.
Zafin Transaction Enrichment fills that gap, giving your existing fraud and compliance stack the structured context it needs to support review and analysis.
How Transaction Enrichment supports fraud and risk detection
Get context behind unusual transaction patterns
Enrich transactions with merchant, category, and location data for existing risk models.
Support screening with clearer merchant data
Use structured merchant and category data to support AML reviews and existing high-risk activity rules.
Bring recurring financial obligations into view
Use enriched transaction data to help lending and risk teams identify recurring outflows in existing analysis workflows.
Give dispute teams clearer transaction context
Provide recognizable merchant and category data to help support and compliance teams investigate transaction disputes.
Make investigation queues easier to review
Standardize merchant, category, and location data so analysts can compare transactions consistently across cases.
See Transaction Enrichment in action
Pick a prepared example, or enter a raw transaction description of your own, then run it through enrichment.
API Response:
How Transaction Enrichment works
Send transaction data
Submit raw transaction descriptions through the API.
Run
enrichment
Identify merchants, categories, logos, locations, and available recurring-payment context.
Return structured context
Return clean, consistent data your products and decisioning workflows can use.
Get started today
Power your transaction data with Zafin’s financial APIs unlock better insights and drive better experiences.
FAQ
What is Transaction Enrichment?
Zafin AIOS is an end-to-end agent orchestration platform and control plane for governed agentic work.
It helps regulated institutions coordinate agents, models, tools, workflows, knowledge sources, and human authority through one governed path, so agentic work can move with authority, evidence, cost controls, and proof of work built in.
What is the difference between transaction data enrichment and transaction categorization?
No. AIOS is not a single agent, model, or copilot.
It is the orchestration and control layer that governs how agentic work is requested, grounded, routed, executed, reviewed, evidenced, and improved across approved agents, models, tools, and enterprise systems.
How accurate is the enrichment?
AIOS is built for regulated institutions that want to use agentic AI in meaningful work without losing control of governance, evidence, cost, authority, or accountability. The first focus is banking and adjacent regulated financial services, where complex systems, sensitive data, human authority, audit expectations, and modernization pressure all matter.
Can enriched data be used for advanced analytics?
Start where speed, control and evidence all matter.
Common starting points include software and application delivery, modernization of internal systems, and workflows, regulated research, evidence-heavy operations, approval workflows, case work, and policy interpretation.
The goal is to start with one critical path, then extend the same control plane, governance model, proof of work layer, and learning loop across more governed work.
Is my financial data secure when using Transaction Enrichment?
AIOS creates a source of proof for agentic work.
It captures what was requested, what was allowed, what context was used, what happened, which agents or models participated, where humans reviewed the work, what changed, what it cost, and what proof remains.
That evidence helps institutions inspect how work was performed, reviewed, and governed without reconstructing the work path after the fact.