Oscilar has launched Agent Hub, a coordinated suite of more than 30 AI agents built for risk operations across fraud, AML compliance, credit, onboarding, sanctions, disputes, analytics, workflow, and explainability.
The platform serves more than 100 financial institutions, including SoFi (NASDAQ: SOFI), MoneyGram, Uphold, and Nuvei, processing tens of billions of risk decisions each year.
The launch arrives as global financial crime reaches $4.4 trillion annually, growing at a 19.2% compound rate, roughly six times faster than the global economy.
SoFi cut time-to-market for new credit risk strategies by 50%, while Nuvei reduced manual underwriting time by 50% in its first month on the platform.
Clara, another Oscilar client, achieved a 4x increase in underwriting throughput without adding headcount, with review times reduced from hours to minutes.
Co-founder and CEO Neha Narkhede co-created Apache Kafka at LinkedIn and co-founded Confluent, which scaled to $1 billion in ARR before being acquired by IBM for $11 billion.
Co-founder and CTO Sachin Kulkarni spent 11 years at Meta, where he led teams behind Facebook’s core infrastructure and the Messenger backend, serving over 1 billion requests per second.
The two co-founders built Oscilar without taking outside investment, anchoring the platform on a unified data architecture rather than layering agents onto fragmented legacy systems.
“Fraudsters don’t operate in silos. They probe onboarding, test payments, and exploit credit systems as a coordinated attack,” said Narkhede. “There’s no reason a financial institution’s defense should be fragmented when the attack is coordinated.”
Narkhede added that Agent Hub enables risk and compliance teams to “respond to new threats in minutes, probe their own data without a data team, and build new strategies without writing a single rule or filing a single engineering ticket.”
Every agent in the hub operates from a unified customer risk profile, aggregating identity signals, transaction history, device and network data, behavioral patterns, and prior case outcomes.
Specialized agents include a Workflow Agent that builds end-to-end risk workflows from natural language descriptions, and an Analytics Agent that lets teams generate dashboards and trend analyses without SQL expertise.
An AML L1 Review Agent handles first-line AML alerts, covering the routine reviews that make up 95% of analyst workloads, helping teams move 5x faster through cases.
Additional agents cover sanctions screening, fraud disputes, rule recommendations, and a Credit Explainability Agent that generates regulator-ready rationale for every credit decision and policy change.
Oscilar says Agent Hub enables risk teams to deploy new policies 5x faster, review alerts 3x faster, and reduce false positives by 45%, all without engineering support.
Adam Colclasure, Senior Director of Risk Data and Decisioning at SoFi, said: “We can easily launch and iterate new policies and adapt with unprecedented speed. We’ve valued Oscilar’s combination of speed, flexibility, and close collaboration as we grow our lending business.”
Oscilar is headquartered in Palo Alto, California, and processes each risk decision in under 100 milliseconds across its client base.
