Risk Analytics · AI Fraud Detection · Saudi Arabia

See Every Risk.
Stop Every Fraud.
Before it Costs You.

Crux builds AI-powered financial risk analytics platforms for Saudi banks — real-time fraud detection, credit risk modelling, AML transaction monitoring, and SAMA-compliant regulatory reporting — giving Saudi financial institutions complete risk visibility across every portfolio.

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Real-time Fraud Detection
SAMA AML Compliant
Basel III Risk Reporting
PDPL Data Secure
Arabic Risk Dashboards
Crux Risk Analytics Platform · مراقبة المخاطر · Live Monitor
3 Alerts Active
SAMA Connected
PORTFOLIO RISK SCORE · درجة المخاطر
72 / 100
⚠ MEDIUM-HIGH · متوسط عالي
RISK BREAKDOWN
Credit Risk
82%
Market Risk
45%
Liquidity Risk
31%
Operational Risk
58%
Fraud Risk
18%
REAL-TIME FRAUD DETECTION · كشف الاحتيال المباشر 2.4M txns / day
🚨
Card Not Present · SAR 14,200
Mada · مجهول · IP: Dubai VPN · Flagged
HIGH Blocked
⚠️
Unusual Transfer Pattern
SARIE · الرياض · SAR 890,000 · 3:42 AM
HIGH Under Review
🔍
First-party Fraud Signal
Personal Finance · KSA · Income mismatch 3.2σ
MED AI Flagged
💳
Synthetic Identity Risk
Credit App · Jeddah · SIMAH thin file + VoIP
MED Escalated
✅
Normal Transaction Pattern
STC Pay · Riyadh · Verified customer behaviour
LOW Cleared
Fraud Attempts vs Blocked · 30-Day Trend
● Attempts ● Blocked
Day 1Day 15Today
RISK KPIs · مؤشرات الأداء
Fraud Rate
0.04%
Fraud Caught
99.7%
Fraud Prevented · Today
SAR 2.1M
Active Alerts · SAMA AML
3 ⚠
Capital Ratio · Compliant ✓
Basel III
SAMA Audit · Last Quarter
0 Findings
ML model accuracy: 99.7% False positive rate: 0.3% Avg detection time: 38ms Transactions monitored today: 2,441,820 SAMA CCSF · AML/CFT · Basel III
99.7%
Fraud Detection Rate
AI fraud detection models catch 99.7% of fraudulent transactions in Saudi banking — while maintaining a 0.3% false positive rate that protects legitimate customer transactions
38ms
Real-Time Risk Scoring
Every transaction receives an AI risk score in 38 milliseconds — enabling pre-authorisation fraud blocking before the transaction completes, not after
40%
Fewer NPLs
AI credit risk models trained on Saudi banking data reduce non-performing loan ratios by 40% — by detecting credit deterioration signals weeks before traditional risk reviews
SAMA
Zero Audit Findings
Crux-built risk platforms generate SAMA-compliant regulatory reports automatically — eliminating manual preparation errors and delivering zero-finding audit outcomes for Saudi banks
Risk Coverage

Four critical risk domains — one unified platform.

Saudi banks need complete risk visibility. Crux builds unified risk platforms covering every dimension of financial risk — in real time.

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Fraud and Financial Crime

Real-time AI fraud detection across all Saudi payment channels — Mada, STC Pay, SARIE, online banking, and mobile — blocking fraudulent transactions in milliseconds before authorisation. AML transaction monitoring, PEP screening, and SAFIU Suspicious Activity Report workflow management.

Real-time detectionMada · STC Pay · SARIEAML monitoringSAFIU SAR workflow
CardsTransfersAccountsLending
📊
Credit Risk Analytics

Portfolio credit risk modelling — individual borrower deterioration alerts, sector concentration risk, vintage analysis, and economic scenario stress testing for Saudi lenders. SIMAH data integration and Saudi macroeconomic signals combined with internal behavioural data.

Portfolio NPL scoringSIMAH integrationStress testingVintage analysis
RetailSMECorporateMortgage
⚖️
Market and Liquidity Risk

Market risk measurement — VaR, CVaR, stress testing, and interest rate sensitivity analysis for Saudi bank investment portfolios. Liquidity risk dashboards — LCR, NSFR, intraday liquidity — with SAMA early warning threshold alerts.

VaR · CVaRLCR · NSFRSAMA thresholdsStress scenarios
TreasuryFXRatesLiquidity
🏛️
Regulatory Reporting Automation

Automated SAMA regulatory reporting — Basel III capital adequacy, large exposures, credit risk concentrations, NPL schedules, and AML/CFT statistical reports — generated from live data with zero manual preparation and full audit trail.

Basel IIISAMA reportsAML/CFT statsZero manual prep
CapitalLiquidityCreditAML
Technical Capabilities

The AI risk engine Saudi financial institutions need.

Real-Time AI Fraud Detection

Deploy machine learning fraud detection models that score every transaction in under 40ms — analysing 300+ features including device fingerprint, behavioural biometrics, transaction graph, and Saudi merchant category patterns to achieve 99.7% detection accuracy.

XGBoost · GBTBehavioural biometricsGraph neural network38ms scoring
AML Transaction Monitoring

Build SAMA and SAFIU-compliant AML monitoring — rules-based and AI anomaly detection for structuring, layering, and integration patterns, PEP and sanctions screening, and automated Suspicious Activity Report (SAR) case management for Saudi FIU submission.

SAFIU SAR workflowPEP screeningSanctions listsAI anomaly detection
Credit Risk Modelling Platform

Build portfolio credit risk platforms — PD/LGD/EAD modelling, IFRS 9 expected credit loss provisioning, macroeconomic scenario overlays, Saudi sector concentration risk, and real-time borrower deterioration alerts with SIMAH monitoring integration.

IFRS 9 ECLPD · LGD · EADStress testingSIMAH monitoring
Risk Analytics Data Platform

Build the underlying risk data platform — unified risk data warehouse, real-time data pipelines from core banking, SIMAH, and market data feeds, and a governed risk data model that powers all analytics and reporting consistently.

Risk data warehouseReal-time pipelinesSIMAH data feedsGoverned model
SAMA Regulatory Reporting Automation

Automate all SAMA regulatory report submissions — Basel III capital adequacy, liquidity coverage ratios, large exposure reports, NPL schedules, AML/CFT statistics, and operational risk incident reports — generated from live data with full validation and audit trail.

Basel IIILCR · NSFRAML/CFT reportsZero manual prep
Risk Executive Dashboard

Build CRO and risk committee dashboards — real-time risk appetite monitoring, board-level heat maps, scenario analysis, peer benchmarking, and Arabic-language risk narrative reports for Saudi banking governance and SAMA oversight submissions.

CRO dashboardRisk appetiteHeat mapsArabic reports
Regulatory Compliance

Every Saudi banking regulation covered out of the box.

🏛️
SAMA CCSF

Saudi Central Bank Cybersecurity Framework — mandatory for all Saudi financial institution technology platforms

Built-in ✓
📋
Basel III

Capital adequacy, leverage ratio, and liquidity requirements — automated calculation and SAMA report generation

Built-in ✓
🔍
SAMA AML/CFT

Anti-money laundering and counter-terrorism financing — transaction monitoring, SAR filing, and SAFIU integration

Built-in ✓
🔐
PDPL

Saudi Personal Data Protection Law — consent management, data localisation, and processing audit trails

Built-in ✓
🌙
IFRS 9

International Financial Reporting Standard 9 — Expected Credit Loss provisioning for Saudi bank loan portfolios

Built-in ✓
Risk Analytics FAQ

Financial risk platform questions answered.

Q What is financial risk analytics for Saudi banks?
Financial risk analytics platforms give Saudi banks real-time visibility into credit risk, market risk, liquidity risk, operational risk, and fraud risk across their entire portfolio. Crux builds AI-powered risk platforms that automatically detect anomalies, score risk in real time, flag suspicious transactions for AML review, and generate SAMA-compliant regulatory reports — replacing manual risk management with continuous automated monitoring.
Q How does AI fraud detection work for Saudi banks?
AI fraud detection analyses every transaction in real time — comparing it against hundreds of behavioural, device, location, and network signals to produce a fraud probability score in milliseconds. Crux fraud models are trained on Saudi banking patterns, understanding Mada norms, STC Pay behaviour, and Saudi merchant categories to minimise false positives while catching genuine fraud before authorisation.
Q What is AML transaction monitoring in Saudi banking?
AML (Anti-Money Laundering) monitoring is the automated surveillance of customer transactions to detect patterns consistent with money laundering or terrorist financing. Saudi banks are required by SAMA and SAFIU to maintain AML programmes. Crux builds SAMA-compliant AML platforms with AI anomaly detection, PEP screening, and Suspicious Activity Report (SAR) workflow management for SAFIU submission.
Q What SAMA regulatory reports do banks need to automate?
Saudi banks must submit reports to SAMA covering capital adequacy (Basel III), liquidity coverage ratios, credit risk concentrations, large exposures, NPL ratios, operational risk incidents, and AML/CFT statistics. Crux builds automated reporting platforms that pull from live data, validate completeness, and generate SAMA-format reports — eliminating manual preparation and reducing regulatory risk.
Q How does financial risk analytics support Vision 2030 banking?
Vision 2030 requires Saudi financial institutions to operate at international risk management standards while expanding digital banking and financial inclusion. Crux risk platforms enable Saudi banks to grow digital lending and payment volumes confidently — AI risk models detect fraud and credit risk faster than traditional methods, allowing growth without proportional risk increase.
"
Our fraud detection was a legacy rules engine from 2014 — we were catching 71% of fraud and blocking 8% of legitimate transactions. Crux deployed the AI fraud platform in 12 weeks. Detection jumped to 99.6%, false positives dropped to 0.3%, and we recovered SAR 18 million in the first 90 days that would have been written off. The SAMA audit was our cleanest in five years.
CRO
Chief Risk Officer
Saudi Digital Bank · Riyadh, KSA
99.6%
Fraud detection rate
SAR 18M
Recovered in 90 days
12wk
Platform delivery
0 Findings
SAMA audit result
Protect Your Bank · احمِ بنكك

Every millisecond.
Every transaction.
Every risk managed.

AI fraud detection that catches 99.7% of fraud. SAMA-compliant AML monitoring. Basel III reporting automation. Crux builds the risk platforms Saudi banks need to grow without fear.

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SAMA CCSF Basel III IFRS 9 AML/CFT · SAFIU PDPL Vision 2030