The kind of team this fits: a retail bank fraud and financial crime function, roughly 180 cases a month, mix of transaction and application fraud.
The morning before
180 cases a month, a ten day median to a closure recommendation, and most of them end up escalated to a senior investigator who re-reads the same evidence a junior handler already pulled together the week before.
How this could run
Not a feature list. The actual sequence, from the moment the case lands to the moment someone signs it.
- 01
Evidence gathers itself across systems
Transaction history, account data, and external watchlists are pulled together automatically.
- 02
Pattern analysis runs in parallel
Behavioral patterns and fraud indicators are assessed across the case at once, not sequentially.
- 03
A closure recommendation arrives documented
The case file arrives with the evidence, the analysis, and the recommendation, ready for review.
Image, inside Zen StudioScreenshot of a Zen Studio canvas configured for a workflow like this one.
What doesn't change
A senior investigator still reviews and signs every closure recommendation. What changes is how much of the file they have to read before they can.
What this could mean
Illustrative, based on the shape of a workflow like this one. The real number depends on the case, the team, and how it's configured.
10 days → 1 dayCase flag to closure recommendation
72%Cases closed without senior escalation
Image, inside Zen PilotScreenshot of the Zen Pilot dashboard or explainability panel for a run of this workflow.
Where this lives in the platform
For a head of fraud & financial crime, a workflow like this starts as a conversation with Zara, describing the process in plain language and getting a first draft of the team back in the same session. Zen Studio is where engineering opens that draft, sets the guardrails node by node, and versions it before it goes live. Zen Pilot is where it actually runs, and where anyone can watch a case move through it in real time, node by node, with the reasoning attached.
