Risk concerns continue to be top-of-mind for bankers. There is a continuous need to identify, measure, control and monitor it. Affine brings financial institutions best-offered capabilities to proactively manage risk.

Solution Offerings

    Fraud Management

    Affine's expertise in pattern recognition and analytical tools can help banks to isolate incidents of fraudulent transactions.


    Banking fraud is an ongoing reality. The rapid increase in number of customers and their bank interaction fronts has generated a need for continuous improvement in fraud management techniques to keep the system secure. Hence, the banks need to be able to proactively identify and prevent transaction and account frauds.


    Fraud management analytics helps in pro-active fraud prevention. This leads to higher customer satisfaction from the banks and financial institutions. It helps in reducing losses due to transaction costs, merchant chargebacks, etc.

      Credit Risk Management

      Affine can enable banks manage credit risk from individual loan approval to all the way up to bank-wide portfolio governance.


      Banks need to go beyond just complying to the stringent regulatory requirements. They need to scientifically understand credit risk to mitigate losses. This can be done by understanding the adequacy of a bank’s capital and loan loss reserves at any given time. Credit risk management analytics helps in the same.


      Credit Rating based interest rates and limits help reduce potential credit risk. Credit Risk Management helps in the proactive determination of potential delinquencies which helps the banks to plan better and to do risk accountability.

          Risk Compliance and Governance

          We can help banks set up Risk Compliance and Governance engine which will regularly monitor the adherence to policies and standards and provide insights that assist policy-making to deal with Risk.


          Cost, Complexity and Changes have become the key concerns around compliance for any bank across the globe. Cost due to the increasing resource requirements to cater to all compliance needs. Complexity due to regulatory pressures on a wide variety of subject areas and the changes due to “ever-changing” regulatory environment. No single technology solution can cater to all compliance and risk requirements.


          Integrating Risk Compliance and Governance information allows management to make more intelligent decisions rapidly. It helps in identifying the areas of redundancy and inefficiency which allows financial and human capital to be allocated more effectively. Also, when risks are managed more effectively, company reputation is enhanced.