Nasdaq Verafin vs Ojuri

Nasdaq Verafin is a cloud-based financial crime management platform for financial institutions. It combines fraud detection, AML/CFT monitoring, high-risk customer management, sanctions screening, case work, and regulatory reporting. Fraud alerts span deposits, checks, wires, ACH, account takeovers, cards, and loans. AML/CFT analytics examine transactions across channels alongside customer profiles and historical behavior, and can identify activity such as structuring and potential terrorist financing. The platform can identify, segment, risk-score, and monitor customers in higher-risk categories. Investigators can document cases, attach files, assign tasks, and record decisions. Currency Transaction Reports and Suspicious Activity Reports can be populated, reviewed, and submitted electronically to FinCEN. Data connections use APIs and batch files, with customized extracts and formats including Check21, NACHA, Fedwire, SWIFT, and ISO8583. The Entity Research Copilot automates open-source and negative-news research and creates cited records. An Agentic AI Workforce automates anti-financial-crime workflows from alert dispositioning through investigations and reporting.

Ojuri is a self-hosted fraud detection engine for fintechs, payment gateways, and mobile-money platforms. It scores transactions and returns accept, review, or decline decisions, with applications able to call its POST /v1/predict API. The Real-Time Detection Agent scores payments on the authorization path using an XGBoost model served through ONNX Runtime. A Pattern Analysis Agent follows account, device, and payee relationships over time to identify fraud rings and mule networks. Decisions record reason codes and the data considered by the model in an audit log. Sentinel provides a review queue, decision stream, model registry, and analyst overrides that can become training data. Other agents monitor drift, retrain on verified labels, and check evaluations before model promotion. An optional investigation agent creates reports for declined transactions using a self-hosted language model, separate from live scoring. Ojuri says its services and transaction data remain within the operator’s infrastructure. The project is MIT licensed, with no per-call fees or rate limits.