Tieto Banktech

Financial crime prevention for banks

Prevent fraud, reduce false positives and strengthen AML operations with financial crime prevention built for European banks and SEPA Instant payments.

Tieto’s proven financial crime defence

European financial institutions connected

130+

Detection rate maintained over 25 years

~90%

Fraud monitoring and support

24/7

Challenge

Fraud attacks are becoming faster, more automated and harder to detect. SEPA Instant, AI-driven scams and rising compliance costs are increasing pressure on fraud and AML teams across Europe.

Modern fraud

Why traditional fraud controls struggle

Legacy fraud systems were built for slower payment rails and isolated banking environments. Modern financial crime operates across institutions, channels and borders in real time.

1

Fraud adapts in real time

Criminals use AI, mule accounts and social engineering to scale attacks faster than traditional rules-based systems can react.
2

SEPA Instant leaves seconds to act

Banks now have only moments to identify suspicious activity before funds become unrecoverable.
3

False positives overwhelm teams

High alert volumes increase operational costs, slow investigations and contribute to analyst fatigue.

Shared intelligence

Tieto fraud report 2026

Shared intelligence across more than 130 European financial institutions helps identify emerging fraud patterns faster and improve detection accuracy across the network.

Read the full report

Fraud detection rate

90%

Fraud prevented across Europe in 2025

1 . 1B EUR

Modernisation

Modernise without replacing everything

Banks do not need to replace every fraud or AML system at once. Start with one capability – fraud monitoring, AML operations, onboarding or managed services – and expand over time alongside existing banking systems and workflows.

Platform

One connected financial crime platform

Tieto Banktech combines fraud prevention, AML operations, onboarding controls and managed services into one connected platform built for European banks.

Banks can start with a single capability or expand into a broader financial crime prevention setup over time, without replacing existing banking systems all at once.

Reduce onboarding risk
Identity verification, sanctions and PEP screening, customer risk scoring and strong customer authentication from the first interaction.
Detect fraud before funds move
Real-time fraud monitoring across cards, accounts, digital wallets and SEPA Instant payments, supported by shared intelligence from more than 130 European financial institutions.
Reduce AML investigation workload
Transaction monitoring, AML case management, sanctions screening and AI-supported investigations designed to reduce false positives and improve operational efficiency.
Managed financial crime operations
24/7 managed fraud prevention, investigations, multilingual customer support and hybrid delivery models through Tieto Banktech’s Defence Centre.

Managed operations

Managed financial crime prevention operations

Our Defence Centre operates 24/7 as a managed fraud and financial crime prevention service. Banks can deploy SaaS, managed services or hybrid operations depending on operational needs.

24/7 Defence Centre
Managed fraud operations
AI tuning and rule management
Investigation services
6-language customer support
SaaS or fully managed delivery

What changes for your team

25–60% reduction in operational costs
Shared intelligence from 130+ banks
Predictable delivery models
Reduced staffing pressure

Reduce fraud without increasing operational pressure

See how Tieto Banktech helps banks improve fraud detection, reduce false positives and strengthen AML operations across European payment channels.

Built for Europe

Designed around European payment fraud

Built around SEPA Instant, PSD2 and European fraud patterns from the start, the platform is designed for European payment rails, regulations and customer behaviour – including APP scams, IBAN fraud and account-to-account payment fraud.

Why Tieto

Why banks choose Tieto Banktech

Financial crime prevention built for regulated European banking environments.

1

Shared intelligence across 130+ banks

GDPR-compliant network intelligence strengthens fraud detection models across participating institutions.
2

Explainable AI for regulated banking

Transparent and auditable AI models support investigations and regulatory oversight.
3

Flexible deployment models

Deploy SaaS, managed services or hybrid operations depending on operational needs.

Validation

Banks can validate fraud detection performance using historical transaction data before deployment instead of relying on synthetic benchmarks or vendor-selected scenarios.

Modern fraud needs modern defence

Why banks need real-time fraud prevention built for Europe

Talk to a fraud prevention expert

Talk to Tieto Banktech specialists about reducing fraud losses, lowering false positives and improving AML operations across SEPA Instant and European payment channels.

FAQ