AuraOne
Financial Lab

Risk scored.
Compliance proven.

Loan application scoring, fraud detection, and regulatory reasoning.

≥ 0.45
KS Statistic

Model separation power validation.

100%
Reason Coverage

Adverse action codes for every decision.

< 300ms
Scoring Speed

P95 latency for application assessment.

Choose momentum over maintenance.
Guardrails included.

The old way

Manual risk scoring is slow and inconsistent.

Silent model decay (drift) slips through until losses mount.

Explanation gaps leave regulators asking questions.

With AuraOne

Automated decisioning provides instant, consistent approvals.

Drift monitoring catches performance drops daily.

Audit-proof transparency with reasons for every score.

Focus areas

Operational mastery, orchestrated by AI.

Each pillar fuses automation with human oversight so teams can move fast without losing control.

Risk Decisioning

Fair and fast.

Automated credit scoring with CatBoost and explainable decision codes.

Adverse Action codes generated automatically.
Integration with bureau and alternative data.
Fair lending compliance checks built-in.

Fraud Defense

Watch the shadows.

Real-time fraud probability scoring and pattern detection.

Route suspicious applications to analysts.
Detect fraud rings across application batches.
Adaptive thresholds based on attack patterns.

Regulatory Control

Audit-proof AI.

Population Stability Index (PSI) monitoring and bias checks.

Regression Bank enforces KS and PSI thresholds.
Full model governance and weight export.
Compliance packages ready for regulators.
Workflow

From ingestion to impact in one connected runway.

Every phase persists in The Regression Bank so you can replay breakthroughs—backed by audit trails.

Phase 1

Score

Application intake and assessment.

Ingest loan applications via API or batch.
Calculate risk and fraud scores instantly.
Generate top decline/approval reasons.

Phase 2

Review

Credit analysis and overrides.

Queue manual reviews for borderline cases.
Analyst overrides with documented justification.
Track decision SLAs and outcomes.

Phase 3

Govern

Model lifecycle management.

Monitor performance drift daily.
Gate new model versions with strict tests.
Export compliance packages for regulators.
Proof points

Compliance-first. Analyst approved.

Production deployments stay aligned with regulators, auditors, and the operators who depend on them.

Analyst loop

Workforce overrides attach justification and timestamp.

Keeps human expertise in the loop.

Full lineage

Every score traces back to model version and input data.

Audit trails for every decision.

Secure export

Hand over dataset bundles and weights via signed URLs.

Host the model internally when ready.

Risk Manager, Top-tier Financial Institution

"I score new loan applications in AuraOne
so we approve credit faster."

Join financial leaders automating risk with confidence.