ThetaRay is a leader in the next generation of financial crime compliance, leveraging artificial intelligence to protect the global payment ecosystem. By focusing on the complexities of cross-border transactions, the company enables banks and fintechs to expand their reach without increasing their risk profile. Their technology shifts the paradigm from traditional rule-based systems to a data-driven approach that identifies both known and hidden threats in real-time.

The Solutions ThetaRay Provides

ThetaRay delivers a suite of cloud-native tools designed to automate and enhance anti-money laundering (AML) operations. The primary offerings include:

• Transaction monitoring that uses cognitive AI to detect anomalies across complex, high-volume payment corridors.

• The Ray investigation suite, an agentic AI system that automates evidence collection, behavioral analysis, and the generation of regulator-ready case files.

• Sanctions and customer screening tools that verify individuals and entities against global watchlists with high precision.

• Dynamic risk assessment modules that provide a continuous view of customer risk levels through automated data analysis.

  

  

  

  

  

The type of customers ThetaRay Works With

The company serves a diverse range of participants within the financial services sector who require robust, scalable compliance frameworks. Key customer segments include:

• Tier 1 and regional banks looking to modernize legacy infrastructure and reduce operational costs.

• Rapidly growing fintech companies, including digital wallets, neo-banks, and remittance providers.

• Payment service providers (PSPs) and clearing houses that manage high-frequency cross-border traffic.

• Government agencies and regulatory bodies seeking to combat corruption, terrorism financing, and large-scale financial crime.

  

  

  

  

  

What sets ThetaRay Apart

ThetaRay is distinguished by its proprietary artificial intuition technology, which mimics human decision-making to identify “unknown unknowns” that traditional rules-based systems often miss. Unlike competitors that rely solely on historical patterns, ThetaRay’s AI analyzes massive datasets to find subtle deviations in behavior. This results in:

• A significant reduction in false positives, often by as much as 80%, allowing compliance teams to focus on genuine risks.

• A cloud-agnostic architecture that ensures fast implementation and seamless integration via RESTful APIs.

• A transparent, explainable AI model that provides clear audit trails to satisfy the most stringent global regulatory requirements.