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Fraud Risk Assessment
A structured review of your onboarding, payments, and AI surfaces — mapped to realistic attack scenarios and financial exposure.
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Fraud Risk · Trust · Intelligence
Built for digital lenders, BNPL platforms & NBFCs — disbursing $600K – $60M / month (₹5Cr–₹500Cr) with 0 – 2 fraud FTEs in-house.
Your external fraud unit —
without the headcount.
Reduce bad approvals, surface hidden fraud patterns, and give your founders a defensible decision layer — within days, not months.
6+ years of frontline fraud operations across Google, AWS, Flipkart and G2 — applied directly to your decision layer. Fixed-fee. NDA from day one. No junior handoffs.
Not sure which fits? Take the 90-second Fraud Exposure Assessment →
Most platforms only discover fraud after the loss. Zarelva finds the gaps first — typically 2–5% of revenue is at risk before detection systems mature.
✦ Published fraud investigation case studies
✦ Open-source detection frameworks
✦ MSME registered consultancy
What Clients Have Found
Real outcomes from real engagements.
Representative findings from past engagements — anonymised, because every engagement runs under NDA.
Series A BNPL Platform · India
“Identified $18L/month in recoverable fraud losses within the first 48-hour Snapshot — from data the risk team already had.”
A cluster of 47 accounts was driving 38% of first-month delinquency. The Snapshot surfaced the pattern and the rule fix shipped in one sprint.
48-Hr Snapshot → Upgraded to FPaaS Lite
NBFC · UPI Lending · South India
“A mule account ring operating across 3 onboarding cohorts — invisible to the existing rule set, surfaced in week two.”
11 accounts flagged, 8 confirmed fraudulent before disbursement. Estimated $9.4L in prevented loss.
FPaaS Lite · Month 2
Consumer Fintech · Series B · Bengaluru
“Decision-logic gaps found in three payment flows — all three had zero rule coverage.”
Architecture review mapped approve/decline logic against realistic attack scenarios. Chargeback rate dropped measurably by month three.
FPaaS Advanced · Ongoing
Figures are representative of typical engagement findings. Client references available under NDA during scoping. · See full engagement details →
What We Do
Three ways to work with Zarelva.
Fixed-fee, scoped to your platform. Start with a one-time Snapshot or go straight to an ongoing external fraud unit.
02
FPaaS — Fraud Prevention as a Service
Your external fraud unit. Weekly summaries, case reviews, and decision-layer ownership — from $599 one-time or $1,800/month.
See pricing & tiers03
Product Suite
ZSIG Signal Engine, ZIC Investigator Canvas, and Device Risk SDK — the same tooling used in every engagement.
Explore the productsNot sure which tier fits? Take the 90-second Fraud Exposure Assessment → ·
Use Cases
Built for platforms where fraud is a real problem.
If you move money, manage users, or deploy AI that makes decisions — you are a fraud target. See how Zarelva maps to your platform.
🏦
Digital Lenders & NBFCs
Synthetic identity and application fraud at underwriting, plus RBI audit readiness.
See the use case💳
BNPL & Neobanks
UPI collect abuse and account takeover — where fraud patterns move fastest.
See the use case🏧
Payment Platforms
Card testing, refund abuse, and chargeback rings — caught before they scale.
See the use case🤖
AI-Native Products
Prompt injection, delegation chain abuse, and non-human velocity patterns.
See the use case🛒
Marketplaces & SaaS
Buyer/seller fraud, account takeovers, and API abuse at scale.
See the use caseWhy Zarelva
Four verifiable signals, not claims.
Instead of generic “trusted by” logos, Zarelva leads with assets you can inspect yourself in under two minutes.
Fraud Intelligence Framework
Open PDF model used in every engagement — not a hidden sales deck.
View the framework PDFAI Fraud Detection Research
Full framework and signal architecture, including risk scoring and layered detection design.
Read the frameworkOpen‑Source Risk Engines
Agent Risk Engine and Fraud Signal Library on GitHub — real code, not slideware.
View GitHub projectsRegistered Micro Enterprise
MSME (UDYAM‑KR‑03‑0675917), NDA on every engagement, verifiable certification.
View MSME certificateHow We Work
What actually happens when you engage Zarelva.
From first message to first deliverable — typically under 7 days.
1
Day 1 – 2
Discovery call + NDA
30-minute call to understand your platform, product type and fraud exposure. NDA signed same day. No data shared before NDA.
2
Day 3 – 5
Data access + Snapshot
You share CSV exports or dashboard data — no production access needed. 48-hour Snapshot Memo delivered: top exposures ranked, roadmap attached.
3
Week 2 onward
Weekly rhythm (FPaaS)
If you continue: weekly fraud summaries, pattern review, case investigations, rule recommendations — every Monday before noon.
How Fraud Actually Works On Your Platform
Three stages. One lifecycle. Detectable at each.
Synthetic identity, UPI mule networks, BNPL bust-out — every attack on a lending or payments platform follows the same placement → layering → integration pattern.
Stage 01 · Placement
Fraud enters through onboarding
Synthetic identities pass KYC, mule accounts get opened, stolen identities cultivate credit history.
Stage 02 · Layering
The pattern is hidden
UPI collect abuse, pass-through mule networks, device/IP rotation spread velocity across accounts to dodge detection.
Stage 03 · Integration
Funds cash out before the flag
BNPL bust-out, loan default after cultivation, funds withdrawn through mule networks before controls catch up.
Live Product Preview
See how Zarelva reviews AI decisions in real time.
Run a real scenario through the risk engine and see how decision vulnerabilities, fraud patterns, and compliance gaps are surfaced before they hit production.
84 / 100
Risk score in seconds
12 / 40L
Fraud exposure flagged (₹ Lakh)
CRITICAL
Chain violations detected
This is how fraud risk is surfaced before transactions are approved — not after losses occur.
The Person Behind the Work
Independent fraud intelligence, not agency decks.
I'm Gururaj GJ, founder of Zarelva. 6+ years of hands-on fraud operations at Flipkart, Google, AWS and G2 Risk Solutions — seller risk, trust & safety, cloud/marketplace risk architecture, and payments intelligence.
I started Zarelva because the fraud consulting that exists is either too slow, too expensive, or built for enterprises with a 10-person fraud team already. Most digital lenders and fintechs in India need a decision-layer — not a vendor, not a BPO, not a framework deck.
Every engagement is run directly by me. No junior analysts, no subcontractors. When you brief me Monday, I'm reviewing your data Tuesday.
🔒 Data & Confidentiality
NDA signed before any data is shared. CSV exports and dashboard data only — no production access, no credentials, no API keys.
View full background & recent posts on LinkedIn →
Client references and case study details are available under NDA during the engagement scoping call.
Real Fraud Investigations & Detection Research
Fraud problems solved in real-world environments.
Case studies, investigation methodology, and detection research — from real platform fraud work, not textbooks.
Live Investigation · New
OLX UPI Collect Fraud — Forensic Dissection
Device fingerprint reconstructed from JPEG quantization signature. Passive forensics only, from 67KB of evidence — no device access, no active exploitation.
View case studyLive Investigation
Loan App Malware Investigation
7 malicious APKs identified. Full Android device forensics, incident timeline reconstruction, and evidence procedures.
View case studyIdentity Fraud
Synthetic Identity Fraud
How synthetic identities pass KYC undetected — and the signals that surface them during cultivation, before bust-out.
Read the insightAI Agent Risk
Fraud in Autonomous AI Agents
Agent fraud bypasses human-era controls. How to monitor delegation chains, prompt injections, and non-human velocity.
Read the insightDetection Signals
Behavioural Fraud Signals
The behavioural and velocity signals your platform should be collecting — and the patterns they expose when combined.
View the signal referenceStart the Conversation
Request a fraud exposure perspective on your platform.
Send a short description of your product, geography, and what you’re seeing. Zarelva will respond with an initial fraud exposure perspective and proposed assessment scope — no commitment required.
Book a 30‑Minute Fraud Exposure Call
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Email Gururaj
Have a quick question instead of booking a call? — instant answers on pricing, services and products.