Atlas
A Next-Generation Financial Foundation Model
Atlas is a comprehensive AI-powered financial model designed to transform how financial institutions detect fraud, assess risk, and safeguard financial systems through advanced temporal graph learning and predictive analytics.
Project Overview
Atlas represents a paradigm shift in financial modeling, leveraging cutting-edge AI techniques to analyze complex financial networks and transaction patterns. Built on a generalizable AI framework, Atlas is not only optimized for financial crime prevention but also unlocks broader applications in forecasting, anomaly detection, and systemic risk analysis.
The model treats transactions as a semantic structure, encoding the flow of value much like language encodes meaning. This approach allows financial institutions to analyze financial behavior with unparalleled depth and accuracy, identifying patterns and anomalies that traditional systems might miss.
Developed at TietoEvry Banking, Atlas has been designed from the ground up to integrate seamlessly with existing banking infrastructure, providing real-time risk assessment with response times under 100ms. This performance enables financial institutions to make informed decisions at the speed of modern digital banking.
The project represents over two years of dedicated research and development, combining expertise in machine learning, financial systems, and graph theory to create a solution that addresses the evolving challenges of financial security and compliance.
Key Features
Advanced Fraud Detection
Identifies suspicious patterns and anomalies in transaction networks with high precision, reducing false positives while maintaining comprehensive coverage.
Predictive Risk Analytics
Forecasts potential financial risks before they materialize, enabling proactive risk management and mitigation strategies across diverse portfolios.
Temporal Graph Learning
Analyzes the evolution of financial networks over time, capturing dynamic relationships and emerging patterns that static models would miss.
Scalable Architecture
Processes billions of transactions efficiently, scaling horizontally to meet the demands of even the largest financial institutions without compromising performance.
Explainable AI
Provides transparent reasoning for its assessments, helping compliance teams understand and justify decisions while meeting regulatory requirements.
API Integration
Seamlessly integrates with existing banking systems through a high-performance API, delivering risk assessments in under 100ms for real-time decision making.
Technical Details
Architecture
Atlas employs a multi-layered architecture that combines graph neural networks (GNNs) with temporal modeling techniques. The core engine processes financial data through several specialized components:
- Graph Construction Layer: Transforms raw transaction data into rich, attributed temporal graphs that capture the complex relationships between entities.
- Temporal Encoding Module: Incorporates time-based features and patterns, enabling the model to understand seasonal trends, cyclical behaviors, and evolving relationships.
- Attention Mechanisms: Focus computational resources on the most relevant parts of the financial network, improving both efficiency and accuracy.
- Risk Assessment Engine: Combines outputs from multiple specialized models to generate comprehensive risk profiles and actionable insights.
Technologies
Applications
Anti-Money Laundering (AML)
Atlas excels at identifying complex money laundering schemes by analyzing transaction patterns across multiple accounts, entities, and time periods. The model can detect structured transactions, layering activities, and integration attempts with unprecedented accuracy.
Fraud Prevention
By analyzing historical transaction data and network structures, Atlas can identify potential fraud before it occurs. The system flags unusual patterns, account takeovers, and emerging fraud techniques in real-time.
Risk Assessment
Financial institutions use Atlas to evaluate customer and transaction risk levels, supporting Know Your Customer (KYC) processes and ongoing due diligence requirements with data-driven insights.
Market Intelligence
Beyond security applications, Atlas provides valuable insights into market trends, customer behavior, and emerging opportunities, helping financial institutions make strategic decisions based on comprehensive data analysis.
Interested in Learning More?
Contact us to schedule a demonstration or discuss how Atlas can be tailored to your institution's specific needs.