FinFleur
A check at the moment money moves.
FinFleur looks at a payment, super withdrawal or payout just before the money leaves, and returns GO, PAUSE or STOP with a plain-English reason your team and your customer can understand. Built for major banks, super funds, insurers and mutuals.
Watch it decide
Three real-world moments. One clear answer each time, with a reason anyone can understand.
- GONothing unusual. The money moves.
- PAUSESomething's off. Ask the customer first.
- STOPLikely scam. Hold for a specialist.
Two ways we work with you
Our core offering
The FinFleur check
A check at the moment money leaves: GO, PAUSE or STOP, with a plain-English reason and audit evidence for every decision. For major banks, super funds, insurers and mutuals.
See where it checksMore ways we help
Building your capability
We calibrate, bridge and consult with leading specialised technology providers, so your organisation can protect customers and support their financial stability and wellness.
- Bridging
- Calibrating
- Consulting
- Technology matching
Our partners
FinFleur is proud to partner with MLAI.
The deadline is set. Most of the money isn't protected yet.
Scam-prevention obligations for banks begin in 2027, and regulators expect super funds and insurers to lift their protections too. Every institution will need to show how it stops scams at the point money leaves.
Where FinFleur checks
It sits at the last step before money leaves, and it only asks questions when something doesn't add up.
Bank transfers
New payees, unusual amounts and payments made under pressure.
Super withdrawals and rollovers
Large balances moving to new or unfamiliar destinations.
Insurance payouts
Claims paid to accounts that don't match the customer's history.
Payments after details change
Money leaving soon after bank details were updated.
Built for every institution that moves money
From the major banks to super funds, one clear check at the moment money leaves, working alongside the systems you already run.
Major banks
Add an explainable pause-and-ask step on top of your existing fraud systems, with a plain-English reason and audit evidence for every payment decision.
Super funds
Protect members' retirement savings at withdrawal and rollover, where a single scam can take decades of contributions.
Insurers
Check that claim payouts reach the right person, especially after contact or bank details have changed.
Mutual banks and credit unions
Add a clear, explainable check to payments without building a fraud team from scratch.
How it fits your organisation
No new data collection and no black box.
Uses signals you already hold
Around ten signals from your existing systems, like payee history, recent detail changes and device activity.
Runs in your own cloud
Customer data stays inside your environment and under your control.
Every decision is evidence
Each GO, PAUSE and STOP is logged with its reason, ready for your compliance reporting.
You stay in charge
FinFleur recommends. Your payment system alone holds or releases the money.
More ways we help
We help banks and financial institutions build capability by calibrating, bridging and consulting with leading specialised technology providers, with one goal: greater financial stability and wellness for Australians today.
Bridging
We connect specialist tools, such as scam intelligence, in-app customer checks and your payment systems, into one working system, and act as your Australian integration partner with the providers.
Calibrating
We tune rules, questions and thresholds to your customers and your risk, then measure the results so your protection keeps getting sharper.
Consulting
We help you prepare for the 2027 scam obligations, design your scam-prevention approach and support you in running it day to day.
Technology matching
We compare the leading identity, fraud and anti-scam platforms and match you to the one that fits, as set out below.
Choosing the right anti-scam technology
Whether you're a major bank, a super fund or a fintech, you get one independent guide instead of a dozen sales pitches.
Scoping workshop
We map where money leaves your organisation and where the gaps are.
Independent match
We recommend the platform that suits your size, risk and regulatory needs.
Managed rollout
We project-manage the rollout alongside your team and the provider.
Ongoing review
We check each year that it's still working and still the right fit.
The FinFleur check can sit on top of whichever platform you choose. We're open about how we're paid, and we tell you in writing before you commit.
Get ready for 2027 with FinFleur
We're looking for a small number of banks, super funds, insurers and mutuals to shape FinFleur with us before the new obligations begin.