One platform to secure 
the full banking customer lifecycle

Challenge

Fraudsters submit tampered or AI-generated IDs bought on dark-web markets.

Solution

Shufti applies forensic tamper detection across MRZ, fonts and AI artefacts, and reads the chip in e-passports and chip-enabled IDs to bypass image manipulation.

Challenge

Attackers present an AI-generated face video at the selfie step to impersonate the account holder.

Solution

Shufti uses 3D depth analysis and micro-movement detection to spot synthetic video, and flags virtual camera drivers at OS level before capture.

Challenge

Fraudsters inject a pre-recorded or synthetic image into the KYC stream, bypassing the physical camera.

Solution

Shufti flags virtual camera drivers at OS level before capture, and adds a liveness layer that rejects injected feeds.

Challenge

Dark-web KYC kits pair a forged ID with a synthetic selfie to clear onboarding in one submission.

Solution

Shufti requires the chip a purchased kit cannot replicate, runs forensic checks on the document, and cross-references identity against authoritative sources.

Challenge

A sanctioned or criminal UBO hides behind nominee directors and layered holding structures.

Solution

Shufti traces the full ownership chain across 140+ jurisdictions to identify the true owner, and screens every UBO against 4,000+ watchlists and 215+ sanctions regimes.

Challenge

The same identity package, verified or misused at another bank, is reused to avoid re-screening.

Solution

Shufti flags the biometric as already linked to a known identity under different documents, and surfaces prior rejection signals for that identity.

Challenge

A politically exposed or sanctioned individual uses aliases or transliterated names to slip past the initial check.

Solution

Shufti applies fuzzy matching across 4,000+ watchlists and 215+ sanctions regimes, covering all four PEP tiers, and confirms or excludes the hit.

Challenge

A customer's criminal history sits only in regional or local-language publications that English-only tools miss.

Solution

Shufti covers 50,000+ adverse media sources across 80+ languages, and attaches flagged evidence to the customer's CDD profile.

Challenge

A sanctioned UBO hides behind a chain of nominees, trusts or holding companies.

Solution

Shufti traces the ownership structure layer by layer using the FATF 25% threshold, and runs every UBO against global sanctions and PEP lists.

Challenge

A customer in a FATF grey-listed country declares a false address and uses a VPN to mask their IP.

Solution

Shufti cross-references the declared address against authoritative sources, and flags mismatches with the customer's verifiable data footprint.

Challenge

Fabricated payslips or bank statements are submitted to pass source-of-funds EDD checks.

Solution

Shufti detects template fraud, font anomalies and digital artefacts in supporting documents, and cross-references declared income against the applicant's financial footprint.

Challenge

A customer misrepresents income, residency or financial status for preferential rates or higher credit limits.

Solution

Shufti validates eligibility documents against authoritative sources, applies forensic analysis to supporting documentation, and checks for adverse media or watchlist hits.

Challenge

A customer submits false information on a credit or mortgage application to obtain funds they wouldn't qualify for.

Solution

Shufti validates identity fields against government and credit bureau records, applies forensic analysis to supporting documents, and captures a non-repudiable consent record.

Challenge

A fraudster builds a credit history over months, then maxes out all lines and disappears before the bureau updates.

Solution

Shufti tracks behavioural and network signals for bust-out patterns, and flags unusual credit utilisation alongside shared device or identity signals.

Challenge

The same applicant submits simultaneous applications to multiple lenders before bureau data updates.

Solution

Shufti links applications from the same device or network, surfaces the cross-institution pattern, and flags the identity as already active elsewhere.

Challenge

A real account holder knowingly acts as a mule, opening accounts or sharing credentials for payment.

Solution

Shufti detects the same face across multiple accounts with coordinated timing, and cross-references device and identity signals between applicants.

Challenge

A newly incorporated shell company applies for a business account to access credit or launder funds.

Solution

Shufti flags entities with no genuine operating history, maps the ownership chain for sanctioned or PEP-exposed UBOs, and screens each person before opening.

Challenge

A legitimate customer intentionally submits inaccurate income or employment data for better credit terms.

Solution

Shufti cross-references declared income and residency against authoritative data, checks documents for signs of editing, and matches known first-party fraud signals.

Challenge

A verified account holder receives criminal funds from third parties and rapidly moves the balance out.

Solution

Shufti detects the third-party funding pattern, flags the rapid inbound-to-outbound sequence, and checks each transfer against sanctions and watchlist data.

Challenge

Criminal proceeds are broken into sub-threshold cash deposits timed to avoid CTR and AML alerts.

Solution

Shufti analyses deposit patterns over time for structuring, and surfaces coordinated activity across accounts sharing device or identity signals.

Challenge

A stolen debit or credit card funds an account ahead of a rapid cash-out.

Solution

Shufti flags devices with known fraud associations at the funding instruction, and detects the deposit-to-withdrawal velocity typical of card cashing.

Challenge

A customer funds and extracts their account, then disputes the original charge to recover the payment.

Solution

Shufti captures a timestamped, non-repudiable record of the funding authorisation, removing the repudiation basis when a dispute is raised.

Challenge

Funds linked to a FATF-designated terrorist organisation are structured to stay below reporting thresholds.

Solution

Shufti checks every inbound funding event against terrorism financing watchlists, PEP lists and adverse media, and escalates unusual deposit patterns for SAR review.

Challenge

A customer is socially engineered into authorising a payment to a fraudster.

Solution

Shufti detects hesitation and interaction patterns inconsistent with a routine transfer, captures a timestamped UK PSR evidence record, and flags the destination against known APP indicators.

Challenge

A customer is manipulated over weeks into transferring large sums to fake platforms or romance fraudsters.

Solution

Shufti identifies interaction patterns consistent with an emotionally manipulated customer, flags unusual destinations and escalating amounts, and records the event for regulatory reporting.

Challenge

A fraudster impersonates a bank, regulator or law enforcement officer to coerce an urgent transfer.

Solution

Shufti detects authorisation under unusual pressure and deviation from established patterns, checks the destination against known scam indicators, and creates a timestamped record.

Challenge

Illicit funds move through multiple transactions and accounts to obscure their origin.

Solution

Shufti analyses the full transaction sequence for layering patterns, including cross-account flows and round-number amounts, and checks each transaction against watchlists.

Challenge

An attacker with a compromised account attempts to drain the balance externally.

Solution

Shufti requires a live selfie matched to the enrolled KYC record above a set threshold, and flags attempts from unrecognised devices.

Challenge

A customer initiates a transfer to a beneficiary linked to a sanctioned or OFAC-listed entity.

Solution

Shufti checks every destination against live sanctions databases, 4,000+ watchlists and 215+ regimes before executing, and flags patterns tied to illicit fund movement.

Challenge

Funds are deposited and withdrawn within minutes, before monitoring alerts can fire.

Solution

Shufti detects deposit-to-withdrawal velocity in real time, applies an automatic hold on full-balance withdrawals, and requires re-verification to lift it.

Challenge

Payment instructions are intercepted and replaced with the fraudster's details, redirecting funds.

Solution

Shufti requires re-verification when a new beneficiary is added, and flags the first payment to it for review.

Challenge

An attacker with partial access adds their own account as a payout destination to drain funds later.

Solution

Shufti requires a live selfie matched to the enrolled KYC record before confirming any new payout destination, and triggers a step-up challenge from unrecognised devices.

Challenge

An attacker intercepts a password reset via SIM swap or email compromise for full control.

Solution

Shufti requires a live selfie matched to the enrolled KYC record during recovery, removes SMS interception via TOTP-based MFA, and escalates attempts from unrecognised devices.

Challenge

An attacker uses stolen PII to impersonate a customer in a support call, requesting changes or limit increases.

Solution

Shufti requires biometric re-verification for sensitive changes, and flags anomalies distinguishing a scripted attacker from the genuine holder.

Challenge

A customer who received an AML flag alters their name or address to reset or bypass the result.

Solution

Shufti re-runs screening automatically on any identity-field change against 4,000+ watchlists, confirms new documents are genuine, and determines if the change is legitimate.

Challenge

A customer submits forged documents to move to a higher tier or lower-risk classification.

Solution

Shufti applies full forensic checks at the upgrade stage, including tamper detection and MRZ validation, checks any chip-enabled document, and requires the face to match the biometric enrolled at opening.

Challenge

A stolen session token changes account settings or adds beneficiaries without a new login.

Solution

Shufti monitors interaction patterns to detect a mid-session operator change, corroborates the device environment, and triggers re-authentication on deviation.

Challenge

An attacker floods the customer with repeated MFA pushes until one is accepted by mistake.

Solution

Shufti limits prompt frequency, escalates repeated rejections as a fraud signal, and replaces SMS-based MFA with biometrics for high-risk actions.

Challenge

A customer clean at onboarding is later added to a sanctions or PEP list, unnoticed for months.

Solution

Shufti monitors all active records against watchlist updates on a 15-minute cycle, and routes flagged accounts into EDD automatically.

Challenge

A customer's transactions gradually shift toward money laundering patterns while the onboarding risk rating never updates.

Solution

Shufti monitors behavioural and transactional signals continuously, updates the risk score dynamically, and escalates the account once a threshold is crossed.

Challenge

A customer suppresses suspicious activity ahead of the annual review, then resumes it once it passes.

Solution

Shufti is event-driven, not calendar-driven, evaluating the full account history so a suppression-then-resumption pattern triggers review regardless of timing.

Challenge

A customer's PEP status changes after onboarding, but the CDD record keeps applying standard diligence.

Solution

Shufti detects PEP changes within the 15-minute refresh cycle, reclassifies the customer, and triggers an EDD workflow for updated source-of-funds documentation.

Challenge

Negative news links an existing customer to fraud or organised crime in a regional publication, after opening.

Solution

Shufti monitors 50,000+ adverse media sources continuously, attaching sourced, severity-classified evidence to the customer's risk profile.

Challenge

A customer submits different documents at scheduled re-KYC, claiming the original was lost, to assume a new identity.

Solution

Shufti requires the current selfie to match the biometric enrolled at opening regardless of new documents, and applies forensic analysis to what's submitted.

Challenge

A customer who suspects an AML investigation requests closure and invokes GDPR erasure before a SAR can be filed.

Solution

Shufti enforces BSA five-year and FATF Recommendation 11 retention periods that erasure requests cannot override, and runs a final review before closure.

Challenge

A customer requests deletion of records that must be retained under BSA, FATF or local AML legislation, citing GDPR.

Solution

Shufti enforces statutory retention minimums that requests cannot override, deletes data outside the retention period, and generates a certificate or notice per item.

Challenge

An offboarded customer reapplies with different documents to bypass the closure record.

Solution

Shufti screens every new applicant's selfie against all previous accounts, including deactivated ones, and checks the identity against watchlists.

Challenge

A customer maxes out all available credit lines immediately before requesting closure.

Solution

Shufti detects rapid credit utilisation preceding a closure request, distinct from normal wind-down, and cross-references accounts with coordinated bust-out timing.

Challenge

A customer withdraws their full balance right after a compliance communication, then requests closure before a hold lands.

Solution

Shufti flags full-balance withdrawals following compliance-related activity, applies an automatic hold, and requires biometric authentication before funds release.