Detectiv was founded in Chicago in 2022. The core team came from financial crimes units, not product teams - which meant we started with how fraud actually works, not with a platform looking for a problem.
The fraud detection industry has a false positive problem. Systems that are too aggressive block legitimate customers - which costs revenue and creates support overhead. Systems that are too lenient let fraud through. Most vendors pick a default setting and call it tuned.
We started from a different premise: the goal is to distinguish fraud from good transactions, not to minimize one type of error at the expense of the other. That requires understanding the business context, the customer base, and the specific attack patterns - not just applying a generic model.
Our 0.8% false positive rate is not a lucky number. It's the result of per-client model calibration and continuous feedback from dispute outcomes.
We hire fraud investigators, ML engineers, and product builders who want to work on hard problems. Get in touch.
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