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Oscilar operates in financial technology, offering a real-time fraud detection and risk management platform. It provides a no-code smart decision engine that combines machine learning and heuristic methods, enabling users to create and manage fraud rules and features through a user-friendly interface. The product works by letting financial institutions, e-commerce firms, and other businesses configure and deploy detection rules without heavy engineering effort, with real-time scoring and risk assessment fed by integrated ML models and heuristic checks. The company differentiates itself from competitors by focusing on a no-code rule-building experience, rapid rule creation and updates, and a subscription-based model that reduces the need for bespoke engineering work. Its goal is to help clients quickly implement and adjust fraud detection rules, enhancing operational agility and security while scaling with business needs.
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About Oscilar
Industries
Company Size
201-500
Company Stage
Early VC
Total Funding
$20M
Headquarters
Palo Alto, CA
Founded
2021
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Simplify's take
What believers are saying
- Conta Azul chose Oscilar in July 2026 for Brazilian payments expansion.
- Agent Hub launched June 2026 with 30-plus agents and customers like SoFi, MoneyGram, Nuvei.
- Oscilar won 2026 Chartis FCC50 awards and expanded Latin American momentum.
What critics are saying
- Oscilar still shows only $20 million raised; hyperscale rivals can outspend it.
- Agent Hub's AI promises invite model errors, false positives, and regulator scrutiny.
- One marquee bank defection would weaken procurement momentum and category credibility fast.
What makes Oscilar unique
- Agent Hub unifies fraud, AML, credit, onboarding, sanctions, and disputes in one memory.
- Oscilar processes tens of billions of decisions yearly, each under 100 milliseconds.
- Neha Narkhede's Kafka pedigree and no-code workflows reduce engineering dependence.
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Funding
Total Funding
$20M
Above
Industry Average
Funded Over
1 Rounds
Benefits
- Health Insurance
- Unlimited Paid Time Off
- Remote Work Options
- 401(k) Company Match
- Home Office Stipend
- Family Planning Benefits
- Professional Development Budget
- Company Equity
Growth & Insights and Company News
6 month growth
4%1 year growth
3%2 year growth
0%TransUnion has launched Credit Washing and Synthetic Fraud Scores with adverse action capability, which it calls the first of their kind. Lenders can use them to spot synthetic identities and credit washing, and to give consumers reason codes when credit is denied. TransUnion research puts lender exposure to synthetic identity fraud at $2.4 billion as of June 2026. Consumers whose charge-offs were hidden through credit washing are 3.5 times more likely to charge off a new account within a year, and super prime consumers are 10 times more likely. Oscilar, a risk platform serving more than 100 financial institutions, is the first to offer the scores. They run alongside credit decisioning in one workflow, so lenders can cite fraud risk in adverse action notices.
TransUnion launches industry-first adverse-actionable scores to combat synthetic identity Fraud and Credit Washing, now being integrated with Oscilar. Innovative new scores enable organizations to better identify risk throughout the consumer lifecycle; Oscilar's Agentic Risk Platform is the first to offer the scores. TransUnion (NYSE: TRU) today announced the launch of its Credit Washing and Synthetic Fraud Scores with adverse action capability. These are the first-ever adverse-actionable solutions of their kind in the market, helping organizations identify and manage risks associated with synthetic identities and credit washing while supporting FCRA-governed, consumer-permissioned decisions. The scores allow lenders to make more informed credit decisions and provide consumers with applicable adverse-action reason codes explaining why they were denied credit - capabilities that were not previously available. Synthetic identity fraud and credit washing remain among the fastest-growing and most costly forms of financial crime. TransUnion research estimates total lender exposure to synthetic identity fraud at $2.4 billion as of June 2026. By combining real and fabricated identity elements to create seemingly legitimate consumer profiles, fraudsters can evade traditional detection methods, establish accounts and generate substantial losses. TransUnion analysis shows consumers whose charge-offs were suppressed through credit washing are 3.5 times more likely to charge-off a new account within a year of opening it, with super prime consumers 10x more likely. As schemes become more sophisticated, organizations need effective and explainable tools to identify high-risk applications before losses occur. TransUnion's new scores address synthetic fraud, where fabricated identities may appear legitimate, and credit washing, where suppressed negative credit history can obscure an applicant's true risk. Drawing on TransUnion's data assets, advanced analytics, and identity intelligence, these scores can help organizations identify these threats earlier, strengthen decision-making and mitigate potential financial losses before they materialize. Synthetic identity fraud and credit washing present unique challenges because they can conceal risk behind seemingly legitimate consumer profiles. By bringing advanced fraud intelligence into explainable, FCRA-governed decisioning, we're helping organizations uncover threats that might otherwise go undetected, make more confident decisions, and mitigate potential financial losses. James Garvert, executive vice president of global fraud and communications solutions at TransUnion Oscilar, the Agentic Risk Platform for financial institutions, is the first platform to incorporate TransUnion's Credit Washing and Synthetic Fraud Scores with adverse action capability. Within Oscilar, the scores and their reason codes run alongside credit decisioning in a single workflow, so lenders can act on synthetic identity and credit washing risk at account opening and cite it in adverse action notices. Oscilar supports end-to-end risk management across onboarding, credit, fraud and anti-money laundering workflows for more than 100 financial institutions. "A fraud score only pays off if the lender can act on it," said Neha Narkhede, co-founder and CEO of Oscilar. "TransUnion's adverse-actionable scores give lenders a reason they can cite, and Oscilar puts that reason on the same decision and notice as the credit reasons. Fraud and credit stop being two systems with two answers. Every signal a lender trusts belongs on one view of the customer, so a risk the fraud team sees today shapes the credit decision tomorrow." As fraud tactics continue to evolve, TransUnion remains focused on advancing the intelligence and solutions organizations need to address emerging threats and stay ahead of increasingly sophisticated fraud. About TransUnion (NYSE: TRU) TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru(TM) picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments, we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good(R)- and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. Oscilar is the agentic risk platform for financial institutions, giving risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting, and onboarding without engineering dependency. Agent Hub, Oscilar's suite of coordinated AI agents, operates from a unified view of every customer and transaction across the full risk lifecycle, enabling teams to build and deploy policies in plain language, resolve alerts faster, and share intelligence across every risk domain. More than 100 financial institutions trust Oscilar to process tens of billions of risk decisions per year, each in under 100ms. Oscilar is headquartered in Palo Alto, California. Press contact for Oscilar: Farrah Appleman, [email protected]
Oscilar wins 2026 Money20/20 award for AI risk decisioning platform. The Banking AI & Automation Award recognizes Oscilar's unified approach to risk management, bringing fraud prevention, credit risk, AML compliance and onboarding together on a single real-time data layer with coordinated AI agents. October 19, 2026 15:30 ET | Source: Oscilar PALO ALTO, Calif., Oct. 19, 2026 (GLOBE NEWSWIRE) - Oscilar, the Agentic Risk Platform for financial institutions, has won the Banking AI & Automation Award at the 2026 Money Awards, presented by Money20/20. The award recognizes Oscilar's AI-native approach to unifying fraud prevention, credit risk, anti-money laundering (AML) compliance and customer onboarding on a single real-time data layer. Coordinated AI agents share intelligence across these functions, drawing from and contributing to a shared risk memory. Through governed analyst feedback, the agents continuously refine their recommendations and improve performance, while humans retain oversight of consequential decisions. The Banking AI & Automation Award recognizes innovations advancing the use of artificial intelligence and automation in banking. Winners were selected by an independent panel of financial services industry experts based on innovation, industry impact, execution and overall merit. "An AML analyst can spend hours assembling context on an alert while the fraud team already holds the signal that would settle it. Our agents do that assembly..." "I spent more than a decade building real-time data infrastructure, and financial risk is where the cost of disconnected data shows up fastest," "An AML analyst can spend hours assembling context on an alert while the fraud team already holds the signal that would settle it. Our agents do that assembly..." "I spent more than a decade building real-time data infrastructure, and financial risk is where the cost of disconnected data shows up fastest," Financial institutions have traditionally managed fraud, credit, and compliance through separate systems that cannot easily share information. This fragmented approach limits visibility into customer risk, creates duplicate work, and slows the rollout of new risk policies. Oscilar addresses these challenges by giving risk and compliance teams a shared view of customer and transaction data, enabling decisions in under 100ms and faster responses to emerging threats without relying on engineering teams to implement every policy change. At the center of Oscilar's platform is Agent Hub, a suite of coordinated AI agents that help financial institutions automate risk operations. The agents share intelligence across risk functions, build and update workflows, review alerts, and generate explanations for decisions. Risk and compliance professionals retain oversight of consequential decisions, with audit trails that support regulatory review. The agents share one customer risk profile, so context surfaced in a fraud investigation carries into the next compliance or credit decision. Institutions running Agent Hub report policies deployed five times faster, a 45% reduction in false positives, and three times faster time to disposition on AML alerts. "I spent more than a decade building real-time data infrastructure, and financial risk is where the cost of disconnected data shows up fastest," said Neha Narkhede, co-founder and CEO of Oscilar. "An AML analyst can spend hours assembling context on an alert while the fraud team already holds the signal that would settle it. Our agents do that assembly across fraud, credit, and compliance and show their reasoning, and the analyst makes the call. Named people own every policy the agents run under. AI should earn the authority it receives, and our customers extend it one workflow at a time as the results come in." More than 100 financial institutions, including SoFi, MoneyGram, Nuvei, and Clara, use Oscilar to process tens of billions of risk decisions annually. Customers have reported measurable improvements in operational efficiency and decision-making: * SoFi reduced the time required to deploy new credit-risk strategies by 50% and improved decisioning speed by more than 30%. * Nuvei cut manual underwriting time in half during its first month using Oscilar, while increasing automated adjudication by 15%. * Clara quadrupled underwriting throughput without adding staff, reducing review times from hours to minutes. The 2026 Money Awards winners were announced October 18 during Money20/20 USA in Las Vegas. The awards recognize companies and individuals advancing financial services through new technologies, products, and business models. About Oscilar Oscilar is the Agentic Risk Platform for financial institutions. Its no-code platform gives risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting and device and behavioral biometrics without engineering dependency. Agent Hub extends the platform with 30+ coordinated AI agents that share a unified customer risk profile, enabling faster decisioning, natural language strategy building and cross-domain risk intelligence. More than 100 financial institutions use Oscilar, processing tens of billions of risk decisions per year. Oscilar is headquartered in Palo Alto, California.
Oscilar wins 2026 Money20/20 award for AI risk decisioning platform. The Banking AI & Automation Award recognizes Oscilar's unified approach to risk management, bringing fraud prevention, credit risk, AML compliance and onboarding together on a single real-time data layer with coordinated AI agents. PALO ALTO, Calif., Oct. 19, 2026 (GLOBE NEWSWIRE) - Oscilar, the Agentic Risk Platform for financial institutions, has won the Banking AI & Automation Award at the 2026 Money Awards, presented by Money20/20. The award recognizes Oscilar's AI-native approach to unifying fraud prevention, credit risk, anti-money laundering (AML) compliance and customer onboarding on a single real-time data layer. Coordinated AI agents share intelligence across these functions, drawing from and contributing to a shared risk memory. Through governed analyst feedback, the agents continuously refine their recommendations and improve performance, while humans retain oversight of consequential decisions. The Banking AI & Automation Award recognizes innovations advancing the use of artificial intelligence and automation in banking. Winners were selected by an independent panel of financial services industry experts based on innovation, industry impact, execution and overall merit. Financial institutions have traditionally managed fraud, credit, and compliance through separate systems that cannot easily share information. This fragmented approach limits visibility into customer risk, creates duplicate work, and slows the rollout of new risk policies. Oscilar addresses these challenges by giving risk and compliance teams a shared view of customer and transaction data, enabling decisions in under 100ms and faster responses to emerging threats without relying on engineering teams to implement every policy change. At the center of Oscilar's platform is Agent Hub, a suite of coordinated AI agents that help financial institutions automate risk operations. The agents share intelligence across risk functions, build and update workflows, review alerts, and generate explanations for decisions. Risk and compliance professionals retain oversight of consequential decisions, with audit trails that support regulatory review. The agents share one customer risk profile, so context surfaced in a fraud investigation carries into the next compliance or credit decision. Institutions running Agent Hub report policies deployed five times faster, a 45% reduction in false positives, and three times faster time to disposition on AML alerts. "I spent more than a decade building real-time data infrastructure, and financial risk is where the cost of disconnected data shows up fastest," said Neha Narkhede, co-founder and CEO of Oscilar. "An AML analyst can spend hours assembling context on an alert while the fraud team already holds the signal that would settle it. Our agents do that assembly across fraud, credit, and compliance and show their reasoning, and the analyst makes the call. Named people own every policy the agents run under. AI should earn the authority it receives, and our customers extend it one workflow at a time as the results come in." More than 100 financial institutions, including SoFi, MoneyGram, Nuvei, and Clara, use Oscilar to process tens of billions of risk decisions annually. Customers have reported measurable improvements in operational efficiency and decision-making: * SoFi reduced the time required to deploy new credit-risk strategies by 50% and improved decisioning speed by more than 30%. * Nuvei cut manual underwriting time in half during its first month using Oscilar, while increasing automated adjudication by 15%. * Clara quadrupled underwriting throughput without adding staff, reducing review times from hours to minutes. The 2026 Money Awards winners were announced October 18 during Money20/20 USA in Las Vegas. The awards recognize companies and individuals advancing financial services through new technologies, products, and business models. About Oscilar Oscilar is the Agentic Risk Platform for financial institutions. Its no-code platform gives risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting and device and behavioral biometrics without engineering dependency. Agent Hub extends the platform with 30+ coordinated AI agents that share a unified customer risk profile, enabling faster decisioning, natural language strategy building and cross-domain risk intelligence. More than 100 financial institutions use Oscilar, processing tens of billions of risk decisions per year. Oscilar is headquartered in Palo Alto, California. Media Contact: [email protected] Legal Disclaimer: EIN Presswire provides this news content "as is" without warranty of any kind. Alabama Cultural Times do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the author above.
Oscilar Wins 2026 Money20/20 Award for AI Risk Decisioning Platform TMCnet News [October 19, 2026] | / | Oscilar Wins 2026 Money20/20 Award for AI Risk Decisioning Platform PALO ALTO, Calif., Oct. 19, 2026 (GLOBE NEWSWIRE) - Oscilar, the Agentic Risk Platform for financial institutions, has won the Banking AI & Automation Award at the 2026 Money Awards, presented by Money20/20. The award recognizes Oscilar's AI-native approach to unifying fraud prevention, credit risk, anti-money laundering (AML) compliance and customer onboarding on a single real-time data layer. Coordinated AI agents share intelligence across these functions, drawing from and contributing to a shared risk memory. Through governed analyst feedback, the agents continuously refine their recommendations and improve performance, while humans retain oversight of consequential decisions. The Banking AI & Automation Award recognizes innovations advancing the use of artificial intelligence and automation in banking. Winners were selected by an independent panel of financial services industry experts based on innovation, industry impact, execution and overall merit. Financial institutions have traditionally managed fraud, credit, and compliance through separate systems that cannot easily share information. This fragmented approach limits visibility into customer risk, creates duplicate work, and slows the rollout of new risk policies. Oscilar addresses these challenges by giving risk and compliance teams a shared view of customer and transaction data, enabling decisions in under 100ms and faster responses to emerging threats without relying on engineering teams to implement every policy change. At the center of Oscilar's platform is Agent Hub, a suite of coordinated AI agents that help financial institutions automate risk operations. The agents share intelligence across risk functions, build and update workflows, review alerts, and generate explanations for decisions. Risk and compliance professionals retain oversight of consequential decisions, with audit trails that support regulatory review. The agents share one customer risk profile, so context surfaced in a fraud investigation carries into the next compliance or credit decision. Institutions running Agent Hub report policies deployed five times faster, a 45% reduction in false positives, and three times faster time to disposition on AML alerts. "I spent more than a decade building real-time data infrastructure, and financial risk is where the cost of disconnected data shows up fastest," said Neha Narkhede, co-founder and CEO of Oscilar. "An AML analyst can spend hours assembling context on an alert while the fraud team already holds the signal that would settle it. Our agents do that assembly across fraud, credit, and compliance and show their reasoning, and the analyst makes the call. Named people own every policy the agents run under. AI should earn the authority it receives, and our customers extend it one workflow at a time as the results come in." More than 100 financial institutions, including SoFi, MoneyGram, Nuvei, and Clara, use Oscilar to process tens of billions of risk decisions annually. Customers have reported measurable improvements in operational efficiency and decision-making: * SoFi reduced the time required to deploy new credit-risk strategies by 50% and improved decisioning speed by more than 30%. * Nuvei cut manual underwriting time in half during its first month using Oscilar, while increasing automated adjudication by 15%. * Clara quadrupled underwriting throughput without adding staff, reducing review times from hours to minutes. The 2026 Money Awards winners were announced October 18 during Money20/20 USA in Las Vegas. The awards recognize companies and individuals advancing financial services through new technologies, products, and business models. For more information about Oscilar, visit https://oscilar.com. About Oscilar Oscilar is the Agentic Risk Platform for financial institutions. Its no-code platform gives risk and compliance teams direct control over fraud detection, AML compliance, credit underwriting and device and behavioral biometrics without engineering dependency. Agent Hub extends the platform with 30+ coordinated AI agents that share a unified customer risk profile, enabling faster decisioning, natural language strategy building and cross-domain risk intelligence. More than 100 financial institutions use Oscilar, processing tens of billions of risk decisions per year. Oscilar is headquartered in Palo Alto, California. Media Contact: [email protected] [ Back To TMCnet.com's Homepage] |
Oscilar is Hiring for 20 Jobs on Simplify!
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About Oscilar
Industries
Company Size
201-500
Company Stage
Early VC
Total Funding
$20M
Headquarters
Palo Alto, CA
Founded
2021
Oscilar is Hiring for 20 Jobs on Simplify!
Find jobs on Simplify and start your career today
Don't see your dream role? Check out thousands of other roles on Simplify.Browse all jobs