One platform for every risk
and compliance decision

One platform for every risk
and compliance decision

One platform for every risk
and compliance decision

For financial institutions

Run by AI Agents, decided by you

web.zoven.ai
Zoven
Modules
6/6
Events today
2,840
Open cases
30
Live activity
Merchant RiskSubmit
bluepeak-retail.com
0
Risk score · 0/100Recommend enhanced diligence
Adverse media
High-risk MCC
Prohibited keyword

Everything from the first look to the last word

Everything from the first look to the last word

Everything from the first look to the last word

Every risk and compliance function in one platform, sharing the same workflows.
Zoven frees you from operating in silos.

Know who you’re onboarding, before you say yes

Know who you’re onboarding, before you say yes

Know who you’re onboarding, before you say yes

Zoven builds a full risk picture of every merchant, scores it, and tells your team what to do next. Clean cases clear fast, and the reasoning stays on file.

Zoven builds a full risk picture of every merchant, scores it, and tells your team what to do next. Clean cases clear fast, and the reasoning stays on file.

See Merchant Risk

bluepeak-retail.com120+ signals
0risk / 100
HIGH · EDD REQUIREDRecommend EDD before onboarding
Signals rolled up
Adverse media
High-risk MCC
Domain age · 45 days
Prohibited keyword
SSL certificate
Registry match

Onboard businesses you can stand behind

Onboard businesses you can stand behind

Onboard businesses you can stand behind

Zoven runs KYB and video KYC end to end: collect the entity, verify every identity and document, and let your analysts approve with a full trail.

Zoven runs KYB and video KYC end to end: collect the entity, verify every identity and document, and let your analysts approve with a full trail.

See KYC / KYB

Video KYC · liverec 00:14
0%
SelfieID photo
LivenessFace match
Extracted from ID
AADHAARgov · verified
Anita SharmaDirector · Northgate
NameAnita Sharma
Date of birth12 Aug 1985
ID number•••• •••• 1234
AddressBengaluru, IN
VERIFYING…

Know if a name is on a list, before you clear it

Know if a name is on a list, before you clear it

Know if a name is on a list, before you clear it

Zoven’s AML screening checks every person and business against sanctions, PEP and adverse-media lists, scores each match for how likely it is, and routes real hits to your team.

Zoven’s AML screening checks every person and business against sanctions, PEP and adverse-media lists, scores each match for how likely it is, and routes real hits to your team.

See Name Screening

Screening · 6 lists
OFAC SDNUNEUUK HMTPEPMedia
queryIvan Petrov
Aleksandr Petrov92%
Aleks Petroff61%
Aleksander P.34%
A. Petroff28%
OFAC SDN
True match · Ivan Petrov#12453 · routed to analyst

Score every payment before it settles

Score every payment before it settles

Score every payment before it settles

Zoven checks each transaction against your rules, scores it for fraud, mule and money-laundering risk, and routes the risky ones to your team while the clean ones pass through.

Zoven checks each transaction against your rules, scores it for fraud, mule and money-laundering risk, and routes the risky ones to your team while the clean ones pass through.

See Transaction Monitoring

Receiving · txn #4821348.2k today
$84,200
UPI · bluepeak-retail
0
velocity · 1h > 10
geo · issuer ≠ IP
amount threshold
device reputation
?
Evaluating…
3 rules matched · case created
BLOCK

Know when a merchant changes, before it costs you

Know when a merchant changes, before it costs you

Know when a merchant changes, before it costs you

Zoven re-scans every approved merchant on a schedule, compares each scan against the last, and tells your team what changed. Quiet merchants stay quiet, every real change opens a case.

Zoven re-scans every approved merchant on a schedule, compares each scan against the last, and tells your team what changed. Quiet merchants stay quiet, every real change opens a case.

See Ongoing Monitoring

Risk over re-scans · Bluepeak Retail
46STABLE
every 3 days
050100REVIEW ≥ 70FebMarAprMayJunJulAug
Change caughtMCC → high-risk→ case created
5,120Monitored
5Quiet re-scans
1Changes open

Agents that run your investigation playbook

Agents that run your investigation playbook

Agents that run your investigation playbook

Zoven agents execute your fraud and risk SOPs step by step, on every case, at human quality. They gather the evidence, cross-reference past cases and draft a cited verdict, then hand you the decision.

Zoven agents execute your fraud and risk SOPs step by step, on every case, at human quality. They gather the evidence, cross-reference past cases and draft a cited verdict, then hand you the decision.

See Case Management

Fraud Investigation Agent
#C-4821 · Bluepeak Retail
EXECUTING SOP
Investigation SOP · high-risk merchant0/8
Load case metadataIn progress
2Pull KYC & verify identityPending
3Check document & image metadataPending
4Resolve email, IP & device riskPending
5Cross-reference known fraud ringsPending
6Analyse transactions & velocityPending
7Screen beneficiaries & sanctionsPending
8Draft cited verdictPending
Evidence gathered0 items
Related cases0 cited
VerdictCompiling…

Design the workflow around how you already work

Zoven meets you at the level of configuration your team desires, whether it's risk scoring or case management. No engineering bandwidth required on your end.

YOUR BLOCKS
Risk scoring
Risk scoreAdverse mediaDevice graphSanctions hit
Case management
Route to queueFour-eyesSet SLAAuto-close
TRIGGER
New merchant onboarded
RISK SCORING
Risk score ≥ 80
CASE MANAGEMENT
Route to EDD queue
CASE MANAGEMENT
Four-eyes review · sign-off

Set your team up once, and the work routes itself

You decide who sees what, which teams own which queues, and how new cases get handed out. After that, no one is stuck sorting the queue by hand every morning.

See who's on the team, what each person can do, and how much they're carrying right now.

ECEmma ColeL2 Analyst · AML teamActive8 open
LNLiam NovakTeam Lead · PaymentsActive3 open
SRSofia ReyesL1 Analyst · KYC teamInvited0 open
Four-eyesMaker ≠ Checker. A second person signs off, and it is never the one who made the request.

Scoped to each analyst

Access is set at the Self, Module or Org level, so people only ever see the cases that are theirs to handle.

Cases route themselves

Set a queue to round-robin, workload or claim-from-pool, and new cases go straight to whoever should pick them up.

Four-eyes maker-checker

Sensitive actions wait on a second reviewer, and whoever raised the request can never be the one who approves it.

Invite with a role from day one

Invite someone by email straight into their team and role. Their access works as soon as they sign in.

See exactly how the operation is running

Queue health, SLAs, throughput, review quality and capacity all live in one Trends dashboard. What it shows you depends on where you sit.

TrendsTeam leadLast 30 days
SLA compliance96.4%met vs breached
Closed / day148throughput
Time to close3h 12mto decision
L2 overturn4.1%review quality
SLA & productivity
SLA compliance by analysttarget 95%
E. Cole98%
L. Novak94%
S. Reyes91%
T. Larsen88%
Throughput trend▲ 18%
Quality & capacity
Decision mix
ApprovedRejectedEscalated
Breach trend▼ 32%
Risk tier distribution
433852
LowMediumHigh / critical

Every SLA on its own clock

Assigning, handling and closing a case each run on a separate clock. You can see what's on track, what's about to slip, and what already has, and you get a heads-up the second one breaches.

There's more to it than throughput

Next to how many cases each person closes, you get their escalations, reopens and how often a second reviewer changes the call. A fast closer with a shaky record won't slip past you.

One definition, every seat

The metrics are defined once and adjust to Self, Module or Org, so no one has to keep a separate report for each role.

Performance that speaks

Numbers from real traffic, not a pitch deck.

0.0%
Fraud detection accuracy
Across live production decisions
REQUESTVERDICT
47ms
<50ms● live
p99 · 82ms
Decision latency
Median request to verdict
10×
Manual review
With Zoven
Faster onboarding
Versus manual review

Plugs into the stack you already run

Your data, cloud, identity and payment tools flow straight into Zoven, or extend it with the SDK.

Data Sources
Postgres · Snowflake · CRMs
Cloud Platforms
AWS · GCP · Azure
Identity Providers
KYC · IDV
Payment Processors
Gateways · PSPs
API & Webhooks
REST · Webhooks
Custom Integrations
Developer SDK

Why Zoven?

Partnership Over Vendor Relationship

You get a named account team, not a ticket queue. We help you get set up, sit in on regular reviews, and flag the new threats worth acting on before they reach you.

Transparent Pricing That Scales With You

Pricing moves with your volume, so you pay for what you use and nothing you don't. Thousands of transactions a month or millions, the bill stays one you can predict.

Speed to Value

Most teams are live in days, not quarters. Pre-built integrations and hands-on onboarding have you protecting real traffic inside the first week.

Built by Compliance Experts, For Compliance Professionals

Zoven was built by former bank compliance officers, AML analysts and fraud investigators. The people who designed it have worked the cases your team works.

You are safe with us

-Your trust is our foundation.

We protect financial institutions. That starts with protecting your data like it's our own.

Your Account, Secured

Our platform is designed by people who've lived your challenges. Former bank compliance officers, AML analysts, and fraud investigators built Zoven with real-world needs in mind.

Your Account, Secured

Our platform is designed by people who've lived your challenges. Former bank compliance officers, AML analysts, and fraud investigators built Zoven with real-world needs in mind.

Your Data, Encrypted

Your data is protected with end-to-end encryption, whether at rest or in transit. We store it in SOC 2 and ISO 27001 certified data centers.

Your Data, Encrypted

Your data is protected with end-to-end encryption, whether at rest or in transit. We store it in SOC 2 and ISO 27001 certified data centers.

Audits & Certifications

ISO 27001, GDPR, and SOC 2 certified. Our systems and development processes undergo annual security audits to ensure robust protection and compliance.

Audits & Certifications

ISO 27001, GDPR, and SOC 2 certified. Our systems and development processes undergo annual security audits to ensure robust protection and compliance.

Our Supporters

Ashwin

Ashwin Bhatnagar

Ashwin Bhatnagar

XFlowPay Founder
XFlowPay Founder
Ashwin

Anand Balaji

Anand Balaji

XFlowPay Founder
XFlowPay Founder
Ashwin

Kunal Shah

Kunal Shah

CRED Founder
CRED Founder
Ashwin

Harshil Mathur

Razorpay Founder
Ashwin

Shashank Kumar

Shashank Kumar

Razorpay Founder
Razorpay Founder
Everywhere
Paradigm Shift Capital
Blume
Indian Silicon Valley
I-Seed Ventures
Investment Firms

Run risk and compliance on one platform, intelligently.

Try Zoven