1 Clari5 Real-time Intelligence Banking Software

Clari5 Entity Link Analysis – Solution Overview

Prepared By,

CustomerXPs
CustomerXPs Software Private Limited
#113/1B, 1st Floor, SRIT House,
ITPL Main Road,
Kundalahalli,
Bangalore - 560 037, India

CONFIDENTIALITY CLAUSE
This document is being submitted to Mashreq Bank, UAE by CustomerXPs Software Private Limited on the
understanding that the contents of this document will not be divulged to any third party without the express
written consent of CustomerXPs Software Private Limited. It is also understood that CustomerXPs Software
Private Limited will not divulge any confidential information about Mashreq Bank, UAE that it may have
access to in the course of executing the project described in this proposal. This document shall remain the
property of CustomerXPs Software Private Limited.
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Table of Contents
1. CLARI5 ENTITY LINK ANALYSIS SOLUTION ...................................................................................................... 3

1.1 SOLUTION OVERVIEW ..........................................................................................................................................3

1.2 TRANSACTION LINK ANALYSIS ................................................................................................................................3
1.3 DEMOGRAPHIC LINK ANALYSIS ...............................................................................................................................5
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1. Clari5 Entity Link Analysis Solution

1.1 Solution overview

Clari5 provides graphical visual link analysis tool to discover hidden relationships among multiple entities
(customer/accounts) and detect various fraud patterns like organized fraud rings, first party fraud, funds
structuring & collusions. User can analyze hidden association among seemingly disparate but
interrelated customer/accounts basis linked transactions & common demographic profiles. User can
search & discover interrelated entities (Customer/Accounts) based on various transaction types &
demographic profiles like National Id, mobile no, email id. User can view & analyze the various
level/degree of relationships among interrelated entities.

1.2 Transaction link analysis

Transaction link analysis can be used to discover any hidden transaction patterns among multiple
accounts as part of fraud investigation. Below is how it works:

 User will start investigation with a particular “account of interest”. (this could happen as part of
alert investigation for a customer/account or the user wants to do an independent
investigation)
 Accounts to be considered for link analysis:
o Customer and employee accounts (office accounts will be excluded)
o Current & Savings Accounts (linked to core banking)
 Transactions to be considered for link analysis:
o Core Banking transactions (as all branch and channel transactions will hit core banking
for debit/credit)
o Transfer transactions (including branch transfer & channel transfer)
o Only “customer initiated” transactions (system initiated transactions will be excluded)
 Inputs required for link analysis:
o Account ID
o Transaction amount (to filter the transactions based on amount threshold if required.
Say consider only those transactions where amount >= AED 50)
o From & To Transaction Date
o Level of relationship (Up to max 5 levels will be supported)
 Link Analysis Details displayed on UI:
o “Node” of the graph represents an account
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o Edge of the graph shows the linkage between 2 accounts (the arrow mark shows the
account which got credited)
o Edge of the graph will have additional info displayed: Total amount transferred, Count of
transactions & last date of transaction (E.g. if 3 funds transfers happen from account A
to say B, each of say AED 10k, it will show total amount as AED 30k along with count = 3
and last funds transfer date)
o Additional account information can be shown if required, on mouse over on the node
(like customer id, account name, scheme code etc.). This information will be fetched
from “account” master table. (Bank can provide the list of key information to be
displayed)
 Please note: Transaction based link analysis will be configured to work on last N months
transactions (this has to be decided by the bank)

Below is a sample screenshot for transaction link analysis (Please note: Latest version of link
analysis that will be deployed in the bank may have a slightly different UI with better user
experience.)

Account with which user starts the investigation is shown as encircled for quick identification
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1.3 Demographic link analysis

Demographic link analysis can be used to discover any hidden relationships among multiple customers
(based on common demographic/KYC profiles) within the bank as part of fraud investigation. Below is
how it works:

 User will start investigation with a particular “demographic attribute” of interest like mobile
no/email/national id. (this could happen as part of alert investigation for a customer/account or
the user wants to do an independent investigation)
 Input required for link analysis:
o Demographic attribute
o Currently, mobile no, email and ID number are bootstrapped in customer master table
and same will be available for this link analysis
 Link Analysis Details displayed on UI:
o “Node” of the graph represents a particular demographic attribute type (like mobile no,
email, id number) and the customer who is linked to that particular demographic
attribute
o Edge of the graph shows the linkage
o Additional customer information is shown when user clicks on a particular customer
node, like Date of birth, marital status, location etc. This information will be fetched
from “customer” master table. (Bank can provide the list of key information to be
displayed)

Below is a sample screenshot for demographic link analysis (Please note: Latest version of link analysis
that will be deployed in the bank may have a slightly different UI with better user experience.)
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