At the Global Payments Week in Brasília on 8 July, hosted by Banco Central do Brasil and the World Bank, Proto and FNA introduced their integrated scam detection system during the RegTech for Fraud Management panel. With financial fraud growing more complex and fast-moving, the pair offered an innovative response: a joint platform connecting inclusive consumer reporting to national-scale fund tracing and fraud recovery.
The system’s respective components – already live in countries like Malaysia and the Philippines – brings together Proto’s multilingual AI-driven complaints handling and FNA’s Money Trails financial analytics engine. The goal is straightforward: make it easy for scam victims to report incidents without embarrassment in any language, and equally easy for regulators to act before funds become untraceable.
From reporting to recovery – bridging the fraud response gap
Today’s scam victims often struggle to access help due to language barriers, informal channels, or lack of trust in institutions. Proto’s AI assistants are designed to change this. Citizens can report fraud discreetly via WhatsApp, SMS, or webchat – in local languages such as Taglish or Kinyarwanda. The system automatically classifies reports using structured metadata and known scam typologies, ensuring that no report is ignored due to typos or vague descriptions.
Behind the scenes, the AI models score each case based on urgency and fraud signals. Once classified, cases are handed off to regulators with full context intact – even across agencies with overlapping jurisdictions. This allows for coordinated action without regulatory delays, while also reducing the burden on overwhelmed call centres.
What makes the solution truly unique is what happens after the complaint is filed. FNA’s Money Trails kicks in, tracing the movement of funds across payment providers, bank networks, and central switches in under 10 seconds. It identifies where the stolen money has gone – even across multiple hops or mule accounts – and enables timely freeze or recovery actions when permitted by national law.
This tracing capability is already deployed at scale. In Malaysia, the National Fraud Portal handled over 28,000 fraud cases in 2024. Of these, more than 20% of victims saw full fund earmarking – a dramatic improvement over traditional bilateral bank processes. In the Philippines, official complaints more than doubled after Proto’s platform enabled inclusive AI-based reporting in underserved languages.
A shared supervisory system for speed and trust
The strength of the platform lies in its system-wide approach. Instead of handing cases off manually from one authority to another, the joint system maintains a shared case management environment. Fraud investigators, bank analysts, law enforcement, and supervisors all operate within the same secure platform – with role-based permissions, audit trails, and real-time updates.
This is especially crucial in countries where payment rails are fragmented and legal mandates differ. The platform respects data boundaries and ensures each stakeholder only sees what is necessary. Legal templates and automated logs ensure that freezes, escalations, and data access remain fully compliant with national regulations.
Proto CEO Curtis Matlock said: “Time is of the essence in scam recovery. By integrating inclusive AI with advanced analytics, we give regulators and financial institutions the tools they need to act faster – and build public confidence.”
FNA CEO Kimmo Soramäki added: “FNA and Proto are not just solving for speed – we’re solving for scale, collaboration, and trust. Every second counts when a citizen’s money is at stake. This collaboration is a compelling integration of AI tools that will enable regulators to keep up with scammers.”
For developing economies, where financial inclusion is still on the rise, scams disproportionately target first-time users. This not only causes immediate harm – it undermines trust in digital finance altogether. The FNA-Proto system is compelling integration of supervisory technologies that can protect these most vulnerable consumers.
About FNA
FNA is a leading analytics and simulation firm specialising in financial network mapping, stress testing, and fraud detection. Trusted by central banks, regulators, and financial market infrastructures worldwide, FNA’s platform helps institutions visualise and analyse complex transaction networks in real time. Its flagship solutions – such as the National Fraud Portal and Money Trails – enable authorities to trace illicit fund flows, detect high-risk accounts, and respond to scams with unprecedented speed and precision.
