Experian Launches AI Fraud Tool for Finance Leaders

Financial leaders are under mounting pressure to balance fraud prevention with operational efficiency as criminals deploy AI-enabled attacks at unprecedented scale. Experian's latest product launch signals how data-driven partnerships could reshape the CFO's approach to financial crime.

The fraud prevention firm has launched Transaction Forensics, an AI-powered analytics platform built in collaboration with Resistant AI following Experian's strategic investment in the company in July 2025. The solution targets a persistent challenge for finance chiefs: detecting sophisticated fraud without disrupting legitimate transactions or inflating operational costs.

Built for UK financial institutions, the platform layers real-time behavioural and transaction analytics over Experian's consumer and commercial datasets. It operates across Faster Payments, Bankers' Automated Clearing Services (BACS) and Clearing House Automated Payment System (CHAPS) systems, providing finance teams with granular risk intelligence as payments move between banks.

The launch comes as authorised push payment (APP) scams and coordinated money laundering networks exploit gaps in traditional rule-based monitoring systems.

Addressing the friction problem

Transaction Forensics deploys more than 80 AI models to assess transaction intent in real time. The system enriches payment signals with identity, credit, fraud and anti-money laundering data alongside historical behavioural patterns.

This approach could address what finance leaders describe as the detection gap, where legacy systems fail to keep pace with the speed and sophistication of AI-enabled attacks.

However, tightening controls often creates new friction points that carry their own costs.

Higher false positive rates frustrate customers and force fraud teams to manually review growing volumes of flagged transactions, but for finance leaders managing both customer experience and operational budgets, this trade-off has become increasingly difficult to navigate.

Paul Weathersby, Chief Product Officer for Experian UK&I, says: "Transaction Forensics marks a major step forward in fraud and financial crime prevention, one which is only possible thanks to our leading innovation and trusted, high-quality data.

"Financial services are facing a significant challenge in identifying and stopping fraud and financial crime attacks, which are increasingly enabled by AI and at a scale not seen before. Transaction Forensics harnesses the power of AI to help businesses meet that challenge head on."

The platform is designed to operate as an additional analytical layer rather than a replacement for existing infrastructure. This could allow finance chiefs to enhance detection capabilities without the capital expenditure and operational disruption of system overhauls.

Early testing shows operational impact

Pilot testing has demonstrated a 200% increase in APP fraud detection rates. More significantly for finance leaders focused on efficiency, the platform reduced false positives by 80% and cut total alert volumes by 50%.

These figures could translate into material cost savings for fraud investigation teams while sharpening focus on genuine threats. For CFOs weighing investment decisions, the combination of improved detection and reduced manual review represents a potential shift in the cost structure of fraud prevention.

The Financial Conduct Authority's emphasis on explainable AI adds another dimension to the business case. Platforms that provide auditable decision-making processes could help finance chiefs meet regulatory expectations while defending resource allocation decisions to boards and investors.

Strategic partnerships reshape capabilities

The collaboration between Experian and Resistant AI reflects how financial institutions are approaching capability building. Rather than developing all capabilities in-house, finance chiefs are increasingly looking to partnerships that combine data assets with specialised AI modelling.

This approach could allow organisations to respond more quickly to emerging fraud patterns and regulatory changes without carrying the full cost of building and maintaining advanced analytical infrastructure. 

As fraud signals fragment across identity, behaviour and transaction data, partnerships that integrate complementary strengths could provide finance leaders with more complete risk visibility. 

Martin Rehak, CEO of Resistant AI, says: "The use of AI in fraud and financial crime prevention is no longer optional but essential. By combining Resistant AI's advanced models with Experian's leading datasets, we are enabling financial institutions not just to address current attacks including APP fraud and money laundering but any new threats which will undoubtedly emerge in the years ahead."