The Brains Behind Predictive Fraud: How Frogo Turns Risk into Growth

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Fraud is evolving fast and businesses need more than reactive tools – they need a partner that can predict, prevent and adapt in real time. Frogo, the all-in-one fraud prevention platform, RedCore’s brand, is doing exactly that. From device fingerprinting and AI-powered scoring engines to graph-based forensic tools, Frogo empowers businesses to reduce losses, streamline processes and grow with confidence.

We spoke with Maksym Tkach, CTO at Frogo, about the company’s approach to fraud prevention, model management, transparency and how it’s preparing for next-generation threats.

How does Frogo ensure transparency and auditability while running a scoring engine and how do you balance that with real-time performance?

Transparency and speed don’t have to be at odds, we achieve this through careful architecture design. Every decision our system makes is fully traceable. If a transaction is flagged, we don’t just provide a score. We log the full context: the specific policy executed, all input variables and features and human-readable reasons that explain exactly which triggers were activated.

Yet, detailed logging doesn’t slow down the process. Our core decisioning engine responds in milliseconds, while the full audit details are published asynchronously to a message bus and stored separately. This ensures our partners get immediate responses without compromising traceability for our analysts.

How does Frogo manage model drift and concept drift across multiple fraud domains? What strategies ensure seamless retraining or evolution of your models?

Fraud is constantly evolving, so our system must adapt. We take a multi-layered approach:

Drift Detection: We monitor incoming data for inconsistencies, leverage anomaly detection within our rule engine and actively use partner feedback to identify potential issues early.

Seamless Retraining: When a model needs updating, we follow a ‘champion-challenger’ approach. The challenger model is backtested against historical data, shadow-tested in live traffic without affecting decisions and only promoted after proving its superiority.

This structured process allows us to maintain performance, adapt to new threats and minimize any impact on our partners’ operations.

In what ways does Frogo support explainable appeals or reversals? Is there a rollback mechanism?

We believe partners should feel empowered, not constrained by a black box. Every risk decision comes with a detailed, human-readable breakdown of the triggers and scores, forming the basis for appeals.

For reversals:

Case-by-Case: Our FinalReview API lets partners override individual false positives, while feeding back critical ground-truth for future improvements.
Policy Rollbacks: Partners can instantly disable underperforming triggers through our back-office control panel. Every action is fully logged, ensuring transparency and accountability.

As quantum computing and encrypted data processing gain prominence, how is Frogo preparing for next-gen fraud schemes?

We approach next-generation threats proactively.

Quantum Readiness: Our system is crypto-agile – we can swap in quantum-resistant algorithms quickly. Strong encryption, network segmentation and partner-dedicated accounts add layers of protection.
Encrypted Data Processing: We offer flexibility depending on partner needs. Privacy-conscious partners can provide hashed depersonalised data, allowing us to detect fraud without ever getting access to sensitive information.

This dual approach keeps us ahead of evolving threats while respecting privacy and compliance requirements.

Frogo is not just about stopping fraud – it’s about turning risk into growth. By combining real-time automation, AI intelligence and deep forensic capabilities, the platform helps businesses reduce losses, streamline operations and deliver seamless experiences for legitimate users.

If you want to see Frogo in action and explore how the platform can safeguard your business while driving growth, join Maksym Tkach and the Frogo team at SiGMA, November 4-6, booth #1047.

Leap into safety and catch the risks before they catch you.

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