Agentic
AI for payment, fraud risk operations
Empower every analyst with an AI agent to deliver exponentially better outcomes
AI Teammates
From performative to strategic: Reimagining work
Manual reviews have become a silent burden in modern payment, fraud risk operations. These tasks—essential yet repetitive—consume valuable time and energy that could be better spent on activities requiring creativity and strategic thought. Offloading this work to AI agents unlocks the full potential of your team, turning the grind into strategic work and growth.
AI Teammates
Agentic payment, fraud risk operation revolution starts here
Today, risk management teams are overwhelmed by repetitive reviews and fragmented data. Agentic AI reduces manual load, accelerates decisions, and ensures faster, smarter responses to evolving payment, fraud risks.With Credio, every analyst gets a personal AI Agent to collaboratively offload non-human work, automate reviews, enrich data, and streamline decisions—freeing the analyst to focus on complex risks and deliver exponentially better outcomes.
AI Teammates
How AI agents collaborate with human analysts
The role of AI agents in managing non-human work is to take over repetitive, operational tasks of their human teammate and execute them autonomously, creating a seamless workflow that delivers actionable outcomes.
1
AI agent receives alerts from existing queuing systems like ServiceNow, SalesForce, Slack, or Webhooks for their human teammate
INGEST ALERTS, ASSIGNED JOBS
2
The AI Agent collects and enriches data from multiple sources, such as database or internal tools, external APIs and tools arriving at a comprehensive understanding of the situation.
GATHER CONTEXT
3
AI agent autonomously executes investigation steps, delivers conclusions, communicates with its human teammate and delivers outputs—like closing tickets with a decision or response—directly into the existing workflows.
TAKE ACTION
AI Teammates
Who we are and why we're here
AI represents an inflection point in fraud and risk operations. The rise of GenAI is enabling fraudsters to scale attacks faster, cheaper, and more intelligently—transforming once-complex schemes into easily replicable, commoditized threats. Meanwhile, risk and payments teams are overwhelmed—drowning in false positives, investigating fragmented signals across siloed tools, and racing against real-time financial loss with limited human resources. At Credio, we believe AI is also the turning point for defenders: AI Teammates can offload non-human tasks, accelerate decision-making, and free up people to focus on strategic interventions and proactive risk mitigation. It's time to shift from reactive to autonomous operations—and finally deliver the payment, fraud risk management outcomes organizations need.
Our Founders
ANUPAM RATHA
FOUNDER & CEO
2x entrepreneur. With 25+ years of experience in identity security, fraud risk, compliance.
PRAVAT MISHRA
FOUNDER & CPO
3x entrepreneur. With 35+ years of experience spanning semiconductor, mobile, identity security.
SID MUDGAL
FOUNDER & CTO
2x entrepreneur. An innovative tech founder with vast experience in identity security, fraud risk, payments.
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