Guardline Suite
Overview
Section titled “Overview”The Guardline Suite is a compliance and fraud prevention platform that covers the customer lifecycle at financial institutions: onboarding, transaction monitoring, case analysis, and regulatory reporting.
The platform consists of three modules and a shared services layer called Core. Modules can be contracted independently or combined. When they operate together, they share a decision engine, authentication, restrictive lists, scoring, and an audit trail through the Core.
The three modules
Section titled “The three modules”How the modules connect
Section titled “How the modules connect”The Core is the layer that integrates the modules. The risk score calculated during onboarding (ONP) is persisted and used by FPP for transaction monitoring. Alerts generated by FPP automatically create cases in CMP, complete with the customer dossier. Restrictive lists managed in the Core are queried by all modules simultaneously.
The diagram below illustrates this connection in an 11-step flow:
Step by step
Section titled “Step by step”1. Onboarding via the Onboarding Platform. A new customer starts the onboarding journey. The institution has configured the flow with document validation, facial biometrics, and background verification. The customer goes through the steps in the institution's white-label interface.
2. Onboarding risk scoring. The decision engine calculates customer risk based on the configured rules: history, location, document type, and verification results. The score (range 0-1000) is recorded and follows the customer from then on.
3. Customer approved and active. With a score within the institution's configured threshold, the customer is approved automatically and starts transacting.
4. Pix received, engine detects anomaly. Weeks later, the customer receives a Pix transfer with an unusual amount. The decision engine evaluates the transaction in real time, compares it to the behavioral baseline (UBA), and identifies a deviation from the pattern.
5. Alert generated in the Fraud Prevention Platform. The transaction is flagged. The engine records the risk score, the triggered rules, and the context of the evaluation.
6. Case automatically opened in the Case Management Platform. The alert creates a case in the Decision Desk, already assigned to the correct queue per the distribution configuration (by risk, round-robin, by availability, or manual).
7. Analyst investigates. The analyst opens the single-pane dossier: customer data, transaction history, onboarding result, prior alerts, and behavioral baseline.
8. Decision. Based on the investigation, the analyst decides. If the case exceeds their decision authority, the system automatically escalates to a supervisor or committee.
9/10. Fraud confirmed: block and report. The account is blocked and the regulatory dossier is prepared for submission to COAF/UIF, with the audit trail preserved.
11. Or false positive: case closed. If the transaction is legitimate, the analyst closes the case with a recorded justification. The history remains available for audit.
Modular contracting
Section titled “Modular contracting”Each module operates autonomously. An institution that already has its own fraud engine can adopt only the Case Management Platform. Another that needs only digital onboarding can start with the Onboarding Platform. When modules are combined, integration through the Core is automatic.
| Module | Main function | Independent use |
|---|---|---|
| Onboarding Platform (ONP) | Configurable digital onboarding | Yes |
| Fraud Prevention Platform (FPP) | FRAML: fraud and money laundering prevention | Yes |
| Case Management Platform (CMP) | Decision Desk and case management | Yes |
| Guardline Core | Shared services (engine, authentication, lists, audit) | Backbone of the suite |
Institutions served
Section titled “Institutions served”The Guardline Suite is used by financial institutions and regulated entities operating in compliance, fraud prevention, and AML (Anti-Money Laundering)/CFT. This includes banks, fintechs, payment institutions, foreign-exchange brokers, and insurers.
Regulatory compliance
Section titled “Regulatory compliance”The suite is designed to align with Brazilian regulatory requirements:
- BACEN/BCRA Circular 3.978: AML/CFT, KYC, monitoring, and COAF/UIF reporting procedures
- COAF/UIF resolutions: reporting deadlines and information retention
- LGPD: handling and protection of personal data
- FATF/GAFI recommendations: international standards for anti-money laundering
The platform follows the controls of ISO 27001 and SOC 2, without holding formal certification under those standards.
Test environment
Section titled “Test environment”All modules provide a sandbox environment available after contract signing. The institution can test onboarding journeys, simulate transactions in the decision engine, and operate the case desk with synthetic data before going to production.