Optimised Decision Engine (ODE)

Smarter fraud defences. Fewer false positives.

Sopra Steria's patent-pending Optimised Decision Engine (ODE) transforms fraud detection by automatically generating optimised, transparent rules. It helps banks cut false positives, adapt to new threats in real time and get more from their existing fraud systems - without costly replacements.

Why banks need a new approach

Fraud is evolving faster than most systems can cope with. Legacy rules are slow and expensive to maintain. The result? More missed fraud, more wasted effort and rising costs.

Today's challenge:

  • Thousands of false positives overwhelm analysts and frustrate customers
  • Operational costs climb chasing low-quality alerts
  • Fraud losses grow under shifting reimbursement rules (e.g. APP fraud)
  • New data sources are hard to validate and justify
  • Fraud tactics evolve faster than rules can adapt
  • Better results demanded with tighter budgets

Introducing ODE

ODE enhances your fraud stack, tuning rules with precision while keeping everything transparent and regulator-ready.

  • Enhances, not replaces - system-agnostic and plug-and-play with your current infrastructure
  • On your estate, no data risks – deployed securely within your environment, avoiding transfer exposure
  • Sharper precision - MO-specific rules and optimised strategies from your existing data
  • Faster response - from months of manual tuning to near real-time recommendations
  • Transparent & trusted - clear, human-readable rules that satisfy regulators
  • Fair & future-proof - removes legacy bias and validates data ROI before you invest

Talk to our experts

Optimised Decision Engine
Today we would like to introduce you to Sopra Steria's Optimised Decision Engine. A unique and flexible solution that will enable you to address the increasing fraud threat whilst reducing avoidable day-to-day operations and fraud losses.

Our solution can be used to flexibly adjust to your daily risk appetite and can drive positive outcomes with respect to operational cost savings and a reduction in avoidable losses.

The first thing our solution considers are the three measurements of success, number of false positives, number of true positives and the value of fraud detected.

Our model will offer a wide range of rule sets to choose from. This means you are able to strike that unique balance between all three measurements of success.

Our solution is a unique, highly efficient and powerful tool. It gives you the power to manage and control your daily risk appetite.

By providing a suite of optimized rule sets using our patent pending technology, Sopra Steria's optimized Decision Engine will help you lead the battle against fraud.

Sopra Steria - The world is how we shape it.


Outcomes you can expect

Sharper detection, less analyst fatigue
Avoid endless manual re-tuning cycles
Stop more fraud with MO-specific rules
Explainable, regulator-approved logic

Measurable impact from day one

How ODE works

Think of ODE as a smarter layer on top of your fraud defences.

 

ODE Approach Image ODE Approach Image

PROCESSED TRANSACTIONS

Analyse historical transaction data, fraud model scores and information confirming which transactions are genuine and which ones are fraudulent.

OPTIMISED DECISION ENGINE (ODE)

Analyse this data to determine the optimal outcomes for fraud detection and false positive reduction.

OPTIMISED SUITE OF RULESETS

Generate a suite of optimised rulesets from scratch, which can be regenerated daily and used to optimally tune your transaction authorisation / fraud decision engine.

Who ODE helps

  • Maximise ROI from existing fraud investments

  • Reduce fraud losses and operational costs

  • Demonstrate fairness and regulatory alignment

  • Reduce false positives and wasted investigations

  • Respond faster to new fraud MOs

  • Free up time for high-value casework

  • Transparent, explainable logic

  • Audit-ready rules that satisfy regulators

  • Confidence in decision-making and governance

Ready to see ODE in action?

Sopra Steria’s Optimised Decision Engine is already helping banks strengthen their fraud defences, reduce false positives and respond faster to new threats.

Book a demo today

 

 

Not just for fraud

Fraud is just the beginning. ODE’s patent-pending technology has potential far beyond, making it a powerful engine for future decisioning challenges.

Go to page

Contact us

Chris Oakley
Chris Oakley
Head of Financial Crime Solutions
Contact  
Linkedin

Read our latest thinking

| Chris Oakley

False positives are a cost centre
Discover why traditional fraud metrics are no longer enough and how smarter, customer-focused strategies can reduce false positives, protect trust, and meet regulatory demands.

| Chris Oakley

From rule decay to precision fraud detection: why banks need a smarter way to optimise

Uncover how outdated fraud rules quietly weaken your defences and why shifting to precision fraud detection is key to smarter, safer banking.

| Kal Bukovski

Transforming financial health by bringing consumers to the heart of innovation
Our whitepaper with FinTech Scotland and the University of Glasgow explores how new technologies and regulations are reshaping financial health, aiming for a more resilient and inclusive future.