Identity, Fraud & AML Orchestration

Onboard & monitor genuine customers with fraud & risk automation technology built for the digital economy

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Market Guide for Identity Proofing and Affirmation 2020

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“We chose Sphonic due to the breadth of access to innovations through its platform”

Reach more. Trust more. Transact more.

Create great customer experiences without compromising on compliance. Combat fraud and boost conversion with regulatory compliance technology that enables you to monitor client onboarding, KYC requirements, AML, fraud & risk prevention and detection in real-time, and all on one platform.

Get on with business,
with confidence.

Save time and money

Make your business compliant. Faster. Benefit from a scalable client onboarding process that combats fraud, strengthens customer trust, and facilitates faster, smoother customer acquisition. With shorter tech deployment timelines.

Get subject matter experts on your team

Lessen the strain on your tech resources and gain a team of experienced fraud and risk experts who are thought leaders in compliance and digital onboarding strategies.

Add new technologies with a drag & drop

Stay ahead of the curve with the newest and best compliance tech. Easily and quickly upgrade or integrate new and innovative technologies, without the hassle and expense of a big build.

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Gain the team and tech

that keeps you on top of stringent regulatory obligations and changes.

Bespoke solutions with a genuine customer-centric approach

Our Workflow Manager helps you to build a complete digital picture of each customer and fast-track customer onboarding in a matter of seconds, not days.
Through our two-stage design process, you gain bespoke workflows that are customised to fit your unique business needs. It’s more powerful because it’s more relevant. Through a single API, you gain access to robust onboarding and transaction monitoring processes including, KYC/KYB, AML, PEPs/Sanctions, and Fraud and Risk checks.

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Make the best decisions with the right data at your fingertips

Spot trends and eliminate threats with a single, easy-to-use, interface. Our Case Management System is the best way to visualise trends, anti-fraud data, risk management, and AML processes. It’s the visual console of the Workflow Manager and the control centre for your fraud and risk teams.
Track high-risk activity, high value variance, first transactions and recipients, PEP clients, and more within a single console.

More on Case Management

Stay ahead with data
that fits your needs.

1. Schedule a discovery call

2. Design your technical roadmap

3. Accept more customers

Schedule a discovery call

One API. Serious tech.

Single API to 80+ 3rd party vendors

Access the Sphonic Data Marketplace and collect relevant, appropriate data to make real-time compliance decisions.

Reduce development time & cost

Focus your tech spend and budgets on development and meet delivery dates.

API version control & schema upgrades management

Stay up to date with changes without the need to schedule resource, time, and incurring costs.

Access subject matter knowledge of all data points

Apply context to data and ensure only appropriate data is used in decisioning with contextual authentication.

Manage timeouts & incomplete data

Maintain quality decisioning by offering your teams a complete digital picture.

Need something that works
for your startup?

Discover an out-the-box solution for customer onboarding, designed specifically for startups that need to get up and running quickly and affordably.

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Here's what we've done for their businesses.

What can we do for yours?

We are delighted to be working with the team at Sphonic with their expertise in the digital risk management environment. They’ve allowed us to access market-leading innovation through their platform and through collaborative customisation we can embed this within our existing customer acquisition and risk management strategies. As NewDay continues to grow its digital presence we are particularly impressed by Sphonic’s agility and breadth of capability, which will ensure we work closely together over the coming years.

Danny Clark

Head of Fraud Strategy at NewDay

Sphonic has proved to be a strong business partner and one that is always willing to go above and beyond. In particular, their excellent subject matter expertise and strategic guidance ensures Paysafe is always able to find innovative solutions, and adjust our implementation as and when needed, in order to achieve the best possible outcomes. We work very well together.

Giacomo Austin​

Head of Compliance Strategy & Advisory at Paysafe Group​

To meet the needs of ongoing regulatory changes and our growing, diverse client-base, a multi-faceted approach to manage risk was required — and as such flexibility and access to multiple technologies were key to selecting Sphonic. SafeCharge continues to stay a step ahead in the digital KYC and fraud prevention space by embedding Sphonic’s technology into our Payments Platform, enabling us to provide comprehensive payments, anti-fraud and compliance services via a single integration

David Avgi

ex-CEO of SafeCharge

Zopa’s growth journey continues to embrace the benefits of digital channels, enabling fast and effective access to our products. As well as diversifying our products, along with the move to real-time approval processes, we recognise the potential threats in the fast-moving digital environment. We chose Sphonic due to the breadth of access to innovations through its platform, as well as the flexibility to modify and adapt the service with minimal effort. We also recognise the collaborative approach with Sphonic’s technology and look forward to a long-term working relationship supporting our risk management needs into the future.

Jaidev Janardana

CEO of Zopa

The fraud system built with Sphonic has allowed us to introduce more robust controls globally with the added benefit that they can scale with us and keep up with the ever-changing fraud landscape. Their consultative approach and genuine expertise have proved to be a real asset.

Phil Rivers

VP Operations at Funding Circle