MoyoRiskOps · A Moyo Studio service for fintechs

Risk operations that scale without the headcount.

AI-assisted KYC/KYB, fraud and AML operations. Approve more good customers faster, lose less to fraud, and run review queues with smaller teams, without loosening your controls.

How MoyoRiskOps helps, explained simply

Financial-tech companies (apps that send money, lend money, or hold accounts) must follow strict rules. Today, a lot of that work is done by people clicking through screens one case at a time. It's slow, expensive, and mistakes slip through. We set up systems that do the repetitive parts automatically, so their team only looks at the cases that really need a human.

JobWhat it meansWhat we automate
Checking identity(KYC / KYB / IDV)Before someone opens an account, the company must prove the person, or business, is real and is who they say they are.The system checks the ID photo, selfie, name, address and date of birth against trusted databases and watch lists. Clear matches pass on their own. Only unclear ones go to a person.
Catching fraudSpotting stolen identities, fake accounts, and scammers before money is lost.Rules that flag warning signs, like many accounts from one phone, a new account sending lots of money fast, or a location that doesn't match. Each flag gets a risk score so the worst cases are reviewed first.
Following the rules(compliance / AML)Banking laws require companies to watch for money laundering, keep records, and report suspicious activity to the government.Review queues, checklists and case notes that build themselves, plus an automatic record of every decision, so the company is ready when regulators or auditors ask "show me."

Simple example: A money app gets 1,000 new sign-ups a day. Without automation, staff check all 1,000 by hand. With our setup, maybe 900 pass automatically, 90 get a quick review, and 10 risky ones get a full investigation. The company saves time and money, and catches more fraud.

Who it's for

Built for money-movement companies

Fintechs & neobanksMoney transmitters & remittanceBaaS programsLenders & BNPLPayments & payroll platformsMobile-money companies

Typical buyers: Head of Risk, Head of Compliance / BSA Officer, VP Operations, COO. Usually triggered by an audit finding, a fraud spike, a review backlog, or fast growth.

Clear prices

Diagnose → Build → Run

DRAFT PRICES: for Pierre to review before publishing

The Diagnostic fee is credited toward a Build signed within 30 days.

Service catalog

What we automate inside the packages

🪪

KYC/KYB workflow automation

Document collection, reminders, status updates and case creation, without the manual chasing.

🗂️

Review-queue design

Routing, prioritization and SLA tracking so the riskiest cases are seen first.

🤖

AI review assistants

Case summaries, document checks, adverse-media triage and SAR narrative drafts, always human-approved.

🚨

Fraud alert triage

Reduce false positives so analysts spend time on real threats.

🔍

QA sampling & audit evidence

Automatic quality sampling and audit-ready evidence for sponsor banks and examiners.

📊

Risk & ops dashboards

Manual review rate, handle time, backlog, approval and false-positive rates in one view.

📈

Onboarding funnel conversion

Application-flow fixes and drop-off analytics so more good customers finish signing up.

How we deliver

A safe, gated process. Nothing ships untested.

  1. 1

    Discover

    Process map and KPI baseline, signed off by you.

  2. 2

    Design

    What is rules, what is AI, what stays human.

  3. 3

    Build in sandbox

    On your own accounts, peer-reviewed.

  4. 4

    Backtest

    Run against historical, already-decided cases.

  5. 5

    Shadow mode

    2 weeks live next to your team, taking no actions.

  6. 6

    Staged rollout

    10% → 50% → 100% of volume, with no SLA or loss regression.

  7. 7

    Handoff

    Runbook, documentation and team training.

  8. 8

    Run

    Monitoring, monthly tuning and KPI reviews.

Security & trust

Your data stays yours

🏦 Data stays in your systems

We work inside your accounts. We don't store your customers' PII.

🔐 Least privilege

Sandbox → read-only → scoped write, each step approved by you in writing.

🧠 Zero-retention AI

AI on zero-data-retention or your own model accounts. Never consumer AI tools.

⚖️ Agents recommend, humans decide

No agent declines, closes accounts, holds funds or files a SAR. Ever.

🧾 Full audit log

Every output logged with inputs, model and prompt version, and the reviewer's decision.

Free tool

Manual Review Cost Calculator

Current annual review cost

$480,000

Estimated annual savings

$96,000

Illustrative estimate only, not a promise. The real share depends on your volumes, vendors and policies; the Diagnostic measures it from your own data.

Validate this in a discovery call

Let's talk

Book a 30-min discovery call

Come with five numbers

  • Monthly applications or alerts
  • % reviewed manually
  • Average handle time
  • Review headcount
  • Approval or drop-off rate

Or pick a time

Discovery callWhatsApp