ARIA™: Fraud Management AI

Reduce. Resolve. Recover.

ARIA conducts fraud investigations, as a human would without human error, to deliver case decisions within seconds. Our AI technology automatically compiles all the information required for successful recovery, helping reduce losses to fraud.
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Managing fraud investigations is a complicated process, let ARIA do the work while you get back to business.

Our fraud management AI is capable of integrating with any core processor or chargeback management software to provide issuers and their clients with consistent and compliant decisions…within seconds.

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Real-Time Resolution

Often it takes days or even months for issuers to complete an investigation and recover funds to an account. For account holders, this can feel like a lifetime of uncertainty and frustration. With ARIA, investigations are completed in seconds to provide your customers with a resolution in real-time.

Reduced Fraud Losses

Use ARIA to collect information on all fraud claims regardless of volume or amount, without requiring additional resources. Confidently implement a digital self-service portal at intake without fearing an influx in claim volume. With our revolutionary fraud management AI, the cost to investigate and recover fraud claims won’t outweigh the cost of the claims themselves. Say goodbye to auto write-off losses and hello to increased recovery rates!

Flexibility

Consistent Decisions

Humans do not make consistent decisions. ARIA does. Removing even the possibility for error goes a long way when it comes to compliance, process management, and customer service.

Quavo Reduces Losses

Auditable Case Information

ARIA automatically compiles all case information and transaction data into one, easily accessible place. This is helpful for audits, but it also provides issuers with everything needed to complete a successful chargeback recovery without draining valuable time and resources. 

Quavo Reduces Losses

Ready to automate your investigations with AI?

FAQs

There are 2 distinct types of Automation in QFD.  The first type, automated decisions, are available for the following decision points: automatic pay, provisional credits, authorization to posted transaction matching, sales draft requests, fraud reporting, fee identification, Chargeback reason code determination, general ledger determination, automatic representment acceptance. The second type, automated functions, are available for the following actions: block and reissue card, fraud reporting, accounting, letter sending (mail, email, and secure messaging), chargebacks, and representments.
If we have already integrated with your core processor, onboarding will be very quick. Depending on the scope of automation and availability of integration services required onboarding can take from12 weeks up to several months.
For full automation, the following integration points are required: ARN, account number, auth code, card ID, acquiring network, customer information, account information, transaction details, network integration, block and reissue, accounting, email, mail, and document storage. View some examples of our integrations. 
QFD™ automates dispute processing workflows for financial institutions and integrates with their core systems and channels, allowing account holders to report a dispute through a self-service portal, call center, or branch on a seamless and user-friendly platform. ARIA™ is our AI solution that automates the reasonable investigation process and presents AutoPay, AutoDeny, and refer decisions in real-time to your account holders and agents on every channel. ARIA is the industry’s only AI who performs the investigation, like a human would, and collects the data required by law to complete the investigation.
Quavo recommends a phased approach. Typically we suggest on-boarding agent facing intake with a largely manual back office process as Phase 1 allowing you to become accustomed to the workflow and immediately solve any SLA issues. From there we add in functions that solve typical pain points beginning with intake in digital channels, network integration and work through back office automation until all features you have requested are successfully part of your solution.
While there are dozens of benefits of implementing Quavo’s solutions and services the most notable will be the outstanding reduction to your operating costs and assured compliance. Our clients on average see a 50% reduction in operating costs over their current fraud and disputes process. Our team keeps you up to date with regulatory requirements and the latest card association mandates.

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