How Treezor gained full operational autonomy on fraud prevention with Marble

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At a Glance

• Client: Treezor, a European leader in Banking-as-a-Service (BaaS), providing regulated core banking infrastructure to fintechs and large corporates.
• The challenge: Treezor initially relied on an in-house-built AML tool, in which they needed to increase the number of fraud detection scenarios. To complement its robust post-trade monitoring, Treezor integrated real-time prevention to set a new industry standard for SEPA transactions.
• The solution: Adopting Marble, an ultra flexible transaction monitoring platform, to empower the fraud teams with complete autonomy over rule creation, monitoring and optimisation.
• The Implementation: Treezor used a "parallel run" strategy for several months, battle-testing rules against real production data to confirm the desired level of performance before switching to live decision-making.
• Key result: Total operational autonomy for the fraud team. Treezor reduced the window from identifying a new threat to deploying a live blocking rule to under 30 minutes.

The challenge : moving to realtime protection

As a major player in the BaaS space, Treezor handles a massive volume of SEPA transfers and card payments. To maintain its position at the forefront of the industry, Treezor sought to evolve its fraud prevention strategy from reporting on transactions after the fact to a proactive model that stops fraud before it happens.

By partnering with Marble, Treezor successfully shifted the power of fraud detection directly into the hands of their operational experts.

The solution : Marble for operational autonomy

Marble’s "no-code" platform allowed the fraud team to take direct control over rule logic to match the speed of instant payments and accelerate the deployment of new security measures.

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In the fast-moving world of instant payments, the ability to react instantly is a competitive necessity. Marble’s real-time engine allows Treezor to stay one step ahead of fraudsters.

The real strengths of the platform are flexibility and agility. In the fight against fraud, especially with instant transfers, speed is everything. We can identify a fraud pattern at 9:00 AM and have a blocking rule live for everyone by 9:30 AM. That level of responsiveness is incredibly precious.
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‍Mirana Ratsimbason, Fraud Manager at Treezor

This efficiency is further enhanced by an AI assistant that translates sophisticated rules into plain English, allowing the team to audit and validate logic instantly without needing a technical background.

The implementation : a truly adaptable solution thanks to a custom data model

One of the key technical advantages of Marble platform is its custom data model and true ability to integrate to existing systems and set 3rd party of tools..

Unlike rigid, "black-box" legacy systems, Marble allows Treezor to ingest and use any specific data points most relevant to their unique B2B business model.

As a BaaS, Treezor acts as a Core Banking System for other fintechs and corporates, meaning they monitor transactions across multiple 'agents' rather than just individual end-users. Marble’s flexibility allows the team to build highly sophisticated, granular rules that account for the unique business models and risk profiles of each specific agent. This ensures high detection rates across the entire platform while maintaining the precision needed to minimize false positives for diverse client types.

The release : maximum safety through parallel runs and live testing

A critical factor in the success of the transition was the ability to validate the new rules performance without disrupting live operations. Treezor utilized a "parallel run" strategy for several months, allowing Marble’s engine to process real production data in the background.

This phase was essential for the team to shadow existing tools, compare results, and fine-tune their logic.

Throughout this optimization period, Marble’s support team worked closely with Treezor, providing the expertise needed to refine sophisticated rules and ensure the system was perfectly calibrated.

By the time the system went live for real-time decision-making, the program had been battle-tested against actual traffic, ensuring a seamless and secure transition.

Having the 'testing' function allows us to verify the volume of alerts in real-time before going into production. It gives us the confidence to deploy rules that are effective from day one.
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‍Mirana Ratsimbason, Fraud Manager at Treezor

Conclusion

The integration of Marble has elevated Treezor’s fraud management from industry-standard monitoring to a cutting-edge, real-time prevention model.

The success of this partnership relied on 3 pillars:

• Operational Autonomy: The fraud team now creates, tests, and manages rules independently. By removing the need for technical developers to implement security logic, Treezor has streamlined its internal workflows, ensuring seamless collaboration between compliance and operations
• Response Agility: The time required to react to new threats has been drastically reduced. The team can now identify a pattern, test and deploy a live blocking rule across the platform immediately.
• Dedicated Support: Beyond the platform, Marble provided hands-on expertise during the data-mapping phase and strategic guidance on rule optimization, ensuring the system was tailored to Treezor’s specific B2B2C requirements.

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