Fraud Intelligence Framework
One‑page model used in every engagement, published as an open PDF instead of a hidden sales deck.
View the framework PDF
Fraud Risk · Trust · Intelligence
Built for digital lenders, BNPL platforms & NBFCs — disbursing ₹5Cr – ₹500Cr / month (approx. $600K–$60M) 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 →
Fraud patterns evolve faster than internal teams can detect. Most platforms only discover fraud after financial loss or regulatory pressure.
Zarelva helps you identify and fix these gaps before they scale.
Most platforms lose 2–5% of revenue to fraud before detection systems mature.
Trusted signals, not claims
✦ 7+ fraud investigations documented
✦ Open-source fraud detection frameworks
✦ Real malware investigation case study
✦ Fraud scenarios mapped across ₹Cr+ transaction environments
✦ MSME registered consultancy
Why Zarelva — Before You've Met Us
Four verifiable signals, not claims.
Instead of generic “trusted by” logos, Zarelva leads with assets you can inspect yourself in under two minutes.
AI Fraud Detection Research
Full AI fraud detection 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 show how detection logic is implemented in real code.
View GitHub projectsGovernment‑Registered Micro Enterprise
Registered MSME (UDYAM‑KR‑03‑0675917) operating under NDA on every engagement, with verifiable certification.
View MSME certificateWhy not handle this internally?
Most teams detect fraud after losses. Zarelva identifies vulnerabilities before they scale.
How 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.
Not Sure Where to Start?
Find out your fraud exposure in 90 seconds.
8 questions. Instant score. Personalised recommendation — no commitment required.
What We Do
Fraud investigation and risk architecture services.
Three focused ways to work with Zarelva. Each engagement is scoped to your platform size, geography, and risk environment.
01
Fraud Risk Assessment
A structured assessment of your onboarding, payments, and AI surfaces, mapped to realistic attack scenarios and financial exposure.
Learn more02
AI Agent & Autonomy Risk Review
Evaluation of how autonomous agents can be abused — prompt injection, delegation chain abuse, and non‑human velocity patterns in your environment.
View the AI risk framework03
Fraud Intelligence Architecture Support
Ongoing advisory to design signal libraries, detection architectures, and fraud intelligence playbooks tailored to your product and geography.
Discuss an engagementWhat you get
- →Clear fraud risk exposure report — not a generic checklist
- →Top 3–5 fraud vulnerabilities specific to your platform
- →Detection signals you can implement immediately
- →Actionable roadmap — not theory, not a sales deck
Every engagement starts with a signed NDA. Fixed fee. Direct access to the founder — no junior handoffs.
Book Discovery Call →Limited to 3 new engagements per month to maintain quality.
Not ready for a full FPaaS engagement? Start with the 48-Hr Fraud Risk Snapshot — identify your top fraud exposures with a focused one-time review. $599, memo delivered in 48 working hours.
See Snapshot Details →
8–12 page PDF with exposure map, ranked recommendations and 30/60/90-day roadmap.
Not sure which tier fits? → Take the Fraud Exposure Assessment
FPaaS — Fraud Prevention as a Service
Three fixed-fee engagements for digital lenders & fintechs.
All fixed-fee. All under NDA. Start with the Snapshot — scale to a full external fraud unit when you're ready.
Start Here · Offer A
Wedge · One-Time
48-Hour Risk Snapshot
$599
One-time · Pay via PayPal or USD invoice · Memo in 48 working hours
- →Top-3 risk-surface review
- →Top-5 ranked fraud exposures
- →8–12 page Snapshot Memo (PDF)
- →30/60/90-day remediation roadmap
- →60-min walkthrough call
- →$299 credit if you upgrade to FPaaS
PayPal · Apple Pay · Debit/Credit accepted
Offer B · Core · 12-week min
FPaaS Lite
$1,800 /month
Weekly pattern review · up to 100 cases/mo
- →Weekly Fraud Summary (PDF) every Monday
- →Monthly Insight Memo — loss trends & rule backlog
- →Case review · up to 100 / month
- →Monthly 45-min strategy call
- →4-hour critical case SLA (Mon–Fri)
- →NDA + defined Statement of Work
Offer C · Advanced · 12-week min
FPaaS Advanced
$3,500 /month
+ $900 setup one-time · up to 300 cases/month
- →Everything in FPaaS Lite
- →Decision-layer ownership across UPI, BNPL, card
- →Rule & scorecard tuning with target metrics
- →Quarterly board-style Fraud Posture Report
- →2-hour critical case SLA · Slack channel
- →2 strategy calls/mo + architecture review
Full FPaaS service detail, comparison table and onboarding overview → zarelva.com/fpaas · Not sure which tier fits? Take the 90-second Fraud Exposure Assessment →
Who I Work With
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. Zarelva works with teams at every stage.
🏦
Fintech & Neobanks
UPI, wallets, BNPL, prepaid — where fraud patterns move fastest.
💳
Payment Platforms
Card testing, refund abuse, chargeback rings — before they scale.
🤖
AI-Native Products
Agents making decisions — prompt injection, override abuse, delegation fraud.
🏢
BFSI & Digital Lenders
NBFCs facing synthetic identity, application fraud, and RBI audit readiness.
🛒
Marketplaces & SaaS
Buyer/seller fraud, account takeovers, and API abuse at scale.
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
CRITICAL
Chain violations detected
This is how fraud risk is surfaced before transactions are approved — not after losses occur. Real signals, real decisions, real time.
Simulates how fraud risk is scored before approvals in production systems.
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 across four organisations:
Flipkart
Fraud operations & seller risk — India's largest e-commerce platform
Google
Trust & safety, payments fraud — global scale, India and APAC
Amazon AWS
Risk architecture and fraud detection — cloud and marketplace environments
G2 Risk Solutions
Payments intelligence and fraud risk — global payments ecosystem
I started Zarelva because the fraud consulting that exists is either too slow, too expensive, or built for enterprises that already have a 10-person fraud team. 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 on Monday, I am the person reviewing your data on Tuesday.
🔒 Data & Confidentiality
NDA signed before any data is shared. Engagements use CSV exports and dashboard data only — no production access, no credentials, no API keys. All data handling documented in the Statement of Work before work begins.
View full background on LinkedIn →
From the Field
Recent thinking on fraud intelligence.
Zarelva publishes regular analysis on LinkedIn — fraud patterns, AI-era attack vectors, and risk architecture thinking. Follow along or reach out to start a conversation.
Frameworks & Open Tools
Research‑grade fraud intelligence, published openly.
Every engagement is grounded in structured frameworks — not ad‑hoc checklists. The same tools are available to your team from day one.
Interactive Decision-Layer Diagram
Visual map of how platform events flow through the 5 signal layers into the Decision-Layer Risk Engine — and back through the human-in-the-loop. Built for fintech founders, not data scientists.
View the interactive diagram →AI Fraud Detection Framework 2026
Layered detection model across identity, access, behaviour, transaction, and network — with weighted signals and example scenarios.
Read the frameworkAgent Risk Engine
Python‑based fraud scoring engine for AI agent environments, evaluating 47 signals across all five fraud layers.
View on GitHubFraud Signal Library
Structured catalogue of signals across identity, device, behavioural, network, and transaction dimensions — used in gap analysis and architecture design.
Explore the signal libraryReal 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
- ✓ Payment mechanism and escalation loop fully mapped
- ✓ Paytm POS Terminal ID as permanent attribution anchor
Passive forensics only. From 67KB of evidence. No device access. No active exploitation.
Live 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
Prefer WhatsApp or email?
Message on WhatsApp
·
Email Gururaj
Prefer email? Describe your fraud problem — you'll get a response within 24 hours.
📧 Consulting: hello@zarelva.com
📞 WhatsApp: +91 76768 37358
💼 LinkedIn:
linkedin.com/in/gururajgj
🏛 MSME: UDYAM‑KR‑03‑0675917