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Operational AI for the Enterprise

Decision intelligence platforms that work within your existing infrastructure — without replacing it.

2Platforms
8Verticals served
Real timeNot batch
No migrationRuns on your stack
What We Build

Two platforms. One operational intelligence layer.

AnswerPoint builds AI-powered decision systems for organizations operating at the intersection of data complexity, operational speed, and accountability requirements.

DPSMF

Decision Processing System for Financial Management

The operational intelligence platform for organizations that need real-time decision support, anomaly detection, and machine-verifiable audit trails — across any vertical.

Real-time anomaly detectionFlags decision-critical events as they occur, not after the fact.
Intelligent decision routingRoutes exception cases to the right owner with full context attached.
Machine-verifiable audit trailEvery decision is logged with a cryptographic record suitable for regulatory review.

BankGuard

Banking Intelligence SaaS

Purpose-built for financial institutions. BankGuard applies machine learning to your transaction data to surface fraud patterns, generate real-time risk scores, and produce compliance-ready audit trails.

Real-time fraud scoringML models score each transaction as it processes — not in batch.
SQL Server & Oracle nativeConnects directly to your existing database environment. No migration required.
Compliance-ready outputAudit trails, SAR-support data, and examiner-ready reports built in.
Platform Deep Dive

DPSMF — How It Works

DPSMF sits between your data sources and your decision-makers — continuously processing signals, detecting patterns, and routing exceptions with full context.

1

Ingest

Connects to your existing data sources — databases, APIs, flat files, event streams — without requiring a separate data warehouse or ETL pipeline.

2

Analyze

ML models trained on your operational data learn the normal range — then continuously flag deviations. Configurable thresholds, no code required for tuning.

3

Route & Record

Decisions are routed with full context. Every outcome — human or automated — is recorded with a machine-verifiable certificate. Compliance documentation is a byproduct, not an additional step.

Architecture principle

DPSMF is designed to augment your existing infrastructure, not replace it. It deploys alongside your current systems — ERP, EHR, core banking, WMS, policy management — and adds the intelligence layer on top.

Banking Intelligence

BankGuard — Built for Financial Institutions

BankGuard is a purpose-built SaaS for banks, credit unions, and financial services firms that need ML-powered fraud intelligence without the complexity of building it in-house.

5Public fraud datasets tested
6.3MPaySim transactions
Real timePer-transaction scoring
2Native DB engines

Core Capabilities

Transaction-level fraud scoringEvery transaction receives a risk score in real time. Models adapt continuously to emerging patterns.
Account behavior analysisLongitudinal analysis of account behavior surfaces anomalies that single-transaction rules miss.
SAR-ready reportingSuspicious Activity Report workflows with full audit documentation built in.
SQL Server & Oracle nativeDirect database connection — no data warehouse, no middleware, no migration.
Regulatory audit trailMachine-verifiable decision records for examiner review and BSA/AML compliance.

Validation Dataset Library

BankGuard has been tested against industry-standard public fraud detection datasets:

PaySim Mobile Transactions6.3M synthetic transactions with fraud labels — mobile payment simulation
Bank Account Fraud DetectionKaggle BAF competition dataset — account opening fraud patterns
Credit Card Fraud DetectionEuropean cardholder transaction data with verified fraud labels
Bank Transaction FraudMulti-institution transaction dataset for anomaly detection benchmarking
Financial Fraud DetectionSriharshaeedala fraud detection dataset — cross-channel transaction analysis

Ask us to run BankGuard against your own test data in a demo session.

Professional

$2,500
per month
  • SQL Server or Oracle
  • Up to 500K transactions / month

Enterprise

$7,500
per month
  • SQL Server + Oracle
  • Unlimited volume
  • SAR workflow included

Custom

Contact for pricing
tailored deployment
  • On-premise deployment
  • Custom ML model training
  • FI-specific compliance modules
Industry Applications

Tailored for your operating environment

The same intelligence platform adapts to the specific decision patterns, compliance requirements, and data environments of each vertical.

Banking & Financial Services

Financial institutions face simultaneous pressure from regulators demanding auditability, customers demanding speed, and fraudsters who adapt faster than rules-based systems can keep up. BankGuard provides the ML-based fraud intelligence layer, while DPSMF handles the operational decision routing and compliance documentation.

  • Real-time transaction fraud scoring with adaptive ML models
  • Account opening fraud detection and synthetic identity pattern recognition
  • BSA/AML compliance documentation and SAR workflow support
  • Core banking integration (SQL Server, Oracle) without migration
  • Operational decision routing for credit exceptions, fraud alerts, and compliance flags

Healthcare & Health Systems

Health systems generate enormous volumes of decision-relevant data across clinical operations, revenue cycle, and supply chain — with compliance requirements that demand audit trails for every consequential decision. DPSMF provides the operational intelligence layer that connects data to decision without slowing the clinical environment.

  • Denial prediction and prevention across payer contracts
  • Clinical operations anomaly detection with exception routing to the responsible care team
  • Supply chain optimization signals across pharmacy, implants, and high-cost consumables
  • Machine-verifiable decision records for HIPAA, accreditation, and payer audit review
  • Integration with existing EHR and billing systems without migration

Insurance

The insurance industry's exposure to both operational complexity and regulatory scrutiny is increasing simultaneously — and legacy rule-based systems weren't designed for that intersection. DPSMF brings ML-based decision intelligence to the insurance operational stack without requiring a rip-and-replace of existing systems.

  • Anomaly detection across claims flows with exception routing
  • Underwriting decision support with configurable risk thresholds
  • Real-time fraud signal scoring on claims and applications
  • Machine-verifiable audit trails for regulatory examination
  • Works alongside existing policy management and claims platforms

Where an insurer has captive financial operations or banking relationships, BankGuard extends real-time transaction intelligence into that environment.

Manufacturing

Manufacturing operations sit at the intersection of physical and data complexity — where the cost of a wrong decision surfaces in production yield, downtime, and customer commitments. DPSMF was designed for exactly this environment: high-volume, time-sensitive decisions that require both speed and auditability.

  • Real-time anomaly detection across production and supply chain data
  • Decision routing for exception handling without stopping the line
  • Quality signal analysis and yield deviation detection
  • Machine-verifiable decision records for compliance and ISO certification
  • Integration with existing ERP and production systems without migration

Distribution & Wholesale

Distribution operations are under pressure from both ends — customer expectations for speed and accuracy are rising while margin windows narrow. DPSMF brings the intelligence layer to distribution and wholesale operations without disrupting your existing ERP or WMS environment.

  • Demand signal analysis across channels and seasons
  • Inventory anomaly detection and stock position exception alerts
  • Order exception routing with full context to the responsible owner
  • Supplier performance scoring and reliability signal analysis
  • Integration with existing ERP and WMS environments without disruption

Government

Public sector organizations operate under transparency obligations that require every automated or assisted decision to be documented and defensible — while under continuous pressure to deliver services faster with constrained resources.

  • FOIA-ready decision audit trails for all automated and assisted decisions
  • Benefits and services fraud signal detection and anomaly scoring
  • Procurement anomaly detection and vendor risk scoring
  • Service delivery exception routing and escalation management
  • Compliance documentation for federal and state audit requirements

Higher Education

Universities face enrollment volatility, financial aid complexity, and accreditation requirements — all with IT teams managing a broader technology footprint than ever before. DPSMF provides the operational intelligence to act on institutional data without adding to IT's workload.

  • Enrollment and retention signal detection and early alert routing
  • Financial aid exception routing and compliance documentation
  • Research administration decision support and grant compliance tracking
  • Accreditation documentation and institutional audit trail
  • Integration with Banner, Workday, and major SIS/ERP environments

Transportation & Logistics

Transportation networks generate continuous operational signals — load status, carrier performance, route anomalies, compliance events — that require immediate decision-making at scale. DPSMF brings intelligence to the operational layer without requiring a new TMS or data platform.

  • Load and route anomaly detection and exception routing
  • Carrier performance scoring and reliability signal analysis
  • DOT and safety compliance documentation via machine-verifiable records
  • Customer service exception routing and SLA breach prediction
  • Integration with existing TMS and ERP environments
Document Library

Sales Materials & Resources

In-depth product documentation, ROI frameworks, and competitive positioning — available through your AnswerPoint sales contact.

Ready to see it in your environment?

A focused 20-minute session is enough to show you what the platform does — and whether there's a fit for your specific operations.

Glenn McGregor, President  |  glenn.mcgregor@answerpoint.com  |  Cleveland, OH