The 3x speed advantage: strategy to execution without the noise

The client

A high-growth global fintech enabling real-time payments across borders. As operations expanded, so did fraud and compliance risk – along with growing frustration at the limitations of legacy fraud platforms.

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The challenge

Like many financial institutions, the client had invested in modern fraud and compliance platforms – but struggled to extract value. They faced constant trade-offs: precision vs speed, control vs usability, volume vs insight. Static rules couldn’t keep pace with dynamic risk, and the system generated more alerts than answers.

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Key issues

Static rules in a dynamic environment: Existing controls were based on fixed thresholds (eg. £10k spend/withdrawal/daily limits) that didn’t reflect real-world behaviour or risk.

Tool usability and effectiveness: The purchased fraud solution was technically capable but couldn’t be effectively configured or deployed by the internal team.

Lack of behavioural context: Risk monitoring was focused on single-event limits instead of patterns, spikes, or behavioural anomalies.

Operational urgency: The team faced intense time pressure to meet a compliance deadline, with no clear path to successful execution.

Knowledge and skills gap: The internal compliance team needed to learn how to write effective, behaviour-based rules – fast.

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The solution

This transformation didn’t start with technology – it started with vision. The client knew that static, threshold-based rules weren’t enough to manage dynamic, cross-border fraud risk. They wanted to shift towards adaptive controls: systems that respond to behaviour, not just blunt thresholds.

Fortify helped turn that vision into working reality:

From idea to implementation: The client had clarity on the behavioural patterns they needed to monitor. Fortify translated that intent into logic, thresholds, and rules that could be deployed using their existing platform.

Segmented, not one-size-fits-all: Fortify guided the team in segmenting their customer base – applying different thresholds and risk logic for different populations, such as corporate vs retail users. This made controls both sharper and more flexible.

Embedded expertise and compliance fluency: Fortify didn’t just deliver rules – we worked shoulder-to-shoulder with the fraud and ops teams, combining technical execution with deep compliance knowledge. This allowed the client to meet regulatory demands rapidly and with confidence.

Built on existing systems: Fortify delivered the entire solution within the client’s existing tech stack – no expensive new systems, and zero disruption.

Faster experimentation: Using our tools, we replaced slow, manual tuning cycles with automated testing and backtesting – dramatically accelerating time to impact.

Fortify’s role extended far beyond implementation. What set the partnership apart was our focus on delivering a business outcome – not just ticking a regulatory box. We didn’t blindly implement requests – we questioned them, refined them, and made them better. That ability to operate from strategy to execution saved the client time, improved results, and ensured that the final solution aligned with both their goals and reality.

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Key takeaways

From strategy to execution: Fortify combines business insight with technical depth – translating complex challenges into solutions that work, fast.

Vision turned into outcomes: The client had a clear strategy: move from static to adaptive controls. Fortify provided the framework, methodology, and expertise to make it real.

Outcome over output: Fortify didn’t just do what was asked – we helped the client ask the right questions, then delivered tailored solutions aligned with business goals.

Precision through segmentation: We helped the team tailor controls by segment – applying different thresholds and logic for corporate vs retail customers.

From alert fatigue to intelligent action: Behavioural logic replaced blunt thresholds, reducing noise and surfacing meaningful risk.

No new systems needed: Fortify delivered change within the client’s existing tech stack – avoiding  disruption and accelerating results.

Team enabled, not bypassed: We upskilled the internal team to own and evolve the solution – long after go-live.

Compliance and fraud know-how built in: Fortify’s deep understanding of regulatory demands enabled faster, more effective delivery than traditional consultancies or in-house teams.

A true partnership: Fortify didn’t just advise – we embedded, executed, and solved real problems side by side.

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