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Connect the signals. Give risk ops the evidence.

Investigate fraud alerts, trace transaction patterns, and review related merchant activity. Agents prepare the findings and next steps for your risk ops team.

Trusted by teams running mission-critical operations.

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Jordan 3:40 PM

18 new 13.1 disputes from Northwind Outfitters. Deadline is Tuesday.

APP 3:43 PM

14 have carrier proof of delivery to the billing address, so they are strong to represent. 4 shipped to a new address, so I suggest accepting those.

Evidence packets ready for the 14.

Approval needed

Submit evidence for 14 disputes

🔥 2

DK1 replyLast reply today

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Risk agents that work every alert

Agents triage monitoring alerts and dispute spikes in Slack or Teams, assemble the evidence, and leave the decision to your team.

@mention an agent in any channel or thread. Click a channel or an agent in the window to explore.

Turn scattered signals into an investigation.

Put specialized agents on the pattern checks and evidence collection behind your fraud and risk reviews.

Trace the activity

Follow the transactions behind an alert across time, payment outcomes, and affected accounts.

Find related patterns

Compare approved device, merchant, and transaction attributes to identify links worth reviewing.

Prepare the response

Give analysts the findings, uncertainty, and proposed next steps before account or payment controls change.

From the first alert to the wider pattern.

Investigate beyond the single event

Correlate the alert with recent authorizations, merchant activity, and prior investigations using scoped records.

SardineMarqetaSnowflake
Evidence · fraud-risk-agentready for review
Read the velocity alertLow-value authorization burst
Checked authorization outcomesHigh decline rate in a short window
Compared tokenized activitySimilar sequence across 3 merchants
Retrieved merchant review historyRecent onboarding · no prior case
Prepared the risk findingsEvidence and proposed checks attached

Evidence before enforcement

Prepare recommendations for your analysts. Blocks, limit changes, and monitoring-rule updates require the authority you define.

Unit21Slack
Awaiting your team

Possible card-testing activity for review

Risk case R-318 · 3 merchant accounts linked by observed activity

Review risk findingsRequest changes
Authorization pattern documentedobserved
Affected merchant list attachedscoped
No accounts blockedapproval required

Connect risk signals with transaction context.

Work from your existing fraud stack and approved payment records, with a reviewable trail across the investigation. Systems shown are examples; connector availability, API access, and permissions are confirmed during setup.

Signals and monitoring

Where the review begins

Read alerts, merchant signals, and relevant payment events from your permitted monitoring sources.

Sardine
Unit21
Chainalysis
Marqeta
Investigation context

Where patterns become visible

Compare activity with your internal history and return findings to the team’s existing workspace.

Stripe
Snowflake
Postgres
Slack

How Runtime works

Start with a known alert type and define the research an agent should perform before your analysts decide.

01

Create a risk agent

Add the investigation playbook, permitted comparisons, and escalation rules.

02

Connect the evidence

Scope access to alerts, merchant records, and tokenized transaction data.

03

Trace the pattern

Investigate the event and related activity, recording queries and source references.

04

Review the response

Approve any enforcement action or rule change through your existing risk process.

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Risk research with bounded authority.

Read about our security
AuditedSOC 2Compliant

Scoped transaction data

Use restricted account views and tokenized identifiers where available. Apply PII and cardholder-data controls.

Human-led enforcement

Separate research permissions from account blocks, payment controls, and rule changes.

Evidence you can revisit

Keep the queried records, observed patterns, recommendations, and approved next steps linked to the run.

Fraud and transaction monitoring: common questions

01Can agents investigate possible card-testing attacks?
With appropriate data access, an agent can compare authorization velocity, decline patterns, merchant activity, and tokenized identifiers. It presents the observed pattern and its limitations for an analyst to assess.
02Can we use the monitoring rules we already have?
Yes. Existing alerts can trigger the investigation, and your playbook defines the checks. Runtime can help research the activity around a rule without requiring you to replace the monitoring system.
03Can an agent automatically block a merchant?
Only an explicitly enabled action could change an account. Start with research and recommendations, and keep enforcement behind authorized human approval.
04How are linked merchants or accounts identified?
Define which attributes may be compared and which data sources the agent may use. Shared attributes can support further review; they are not, by themselves, proof of fraud.
05Can reviews run on a schedule?
Yes. A scheduled agent can research a defined set of alerts or changes in merchant activity. Scope the review and escalation rules so that the output is actionable for your analysts.
06What should we measure in a pilot?
Compare analyst research time, evidence completeness, escalation quality, and unsupported findings on historical cases. Evaluate those results before enabling any operational action.

Implementation guide

How to Investigate Fraud Alerts with Codex and Claude Code

A practical walkthrough with example prompts, scoped access, and human approvals.

Read the guide

Explore more for payment and risk ops

See a risk investigation in action.

Watch an agent trace an alert across transaction history and prepare the findings for your risk ops team.