Microsoft Scenario Library Financial Services Improve fraud analysis and detection

Available with: Azure AI Foundry with Copilot Studio

Financial Services scenario: Improve fraud analysis and detection

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Scenario

Banks can automate fraud analysis and detection—resulting in faster, more accurate, and compliant fraud detection and response.

1. Real-time transaction monitoring

An agent monitors banking transactions for suspicious activity using pre-built templates and custom rules.

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AI Agent

Benefit: Enables continuous, automated scanning of transactions for anomalies, instantly alerting teams in Teams when high-risk events are detected.

When a suspicious transaction is flagged, the agent automatically creates a fraud case and routes it to the appropriate compliance or fraud analyst team using workflow orchestration.

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AI Agent

Benefit: Rapid escalation and assignment of cases, reducing time-to-response and ensuring compliance alignment. All actions are logged for audit and reporting.

The agent combines the ERP data with external sources (sanctions lists, news feeds) via connectors to uncover hidden relationships and patterns.

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AI Agent

Benefit: Reduces false positives and improves investigation accuracy.

Using a list of impacted customers an agent drafts and sends secure, compliant communications to affected customers, informing them of potential fraud and next steps.

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AI Agent

Benefit: Ensures timely, accurate, and compliant customer notifications, reducing reputational risk and improving customer trust.

The next step is to coordinate across specialized teams (fraud analyst, compliance officers, customer service). Multiple agents collaborate and share data, orchestrating a unified fraud investigation process.

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AI Agent

Benefit: Distributes work across teams, enables comprehensive investigations, and supports faster, more accurate resolution of fraud cases.

KPIs

Opportunity to impact key functional area KPIs

Generate insights and content within the everyday flow of work, expedite investigations, and communicate more effectively to prevent and remediate compliance issues.
Speed data analysis and reporting
  • Quickly analyze trends
  • Generate informative charts
  • Create strategy presentations

Improve productivity by leveraging automation to quickly prioritize and accomplish daily tasks, optimize processes, and save time and effort on daily tasks.
Boost productivity
  • Rapidly research customer interactions
  • Create first drafts faster
  • Check for similar issues and resolutions
  • Quickly send follow-up communications

Differentiate customer interactions from competitors to help increase market share; Reduce the time for comprehensive portfolio evaluation with change recommendations reflecting market dynamics; Build trust and confidence among clients leading to increased number of active investors. 
Improve customer meetings
  • Research company information
  • Learn how to pitch the product
  • Organize information from past interactions
  • Completely focus during the meeting

Streamline operations for faster resolution of customer issues, providing tools for decision-making and strategy development. This can lead to higher customer satisfaction, increased customer lifetime value, and maximized customer investment portfolio.
Improve customer satisfaction
  • Diagnose a problem quickly using
    external and internal databases
  • Automated analysis using customer data and knowledge base
  • Quicker and more accurate draft responses
    based on historical resolution data
  • Proactive and personalized follow-up communications

1Access Microsoft 365 Copilot Chat at m365copilot.com, or the Microsoft 365 Copilot Chat mobile app and set toggle to “Web”.

2Access Microsoft 365 Copilot Chat at m365copilot.com, the Microsoft 365 Copilot Chat mobile app, or the Microsoft 365 Copilot Chat app in Teams, and set toggle to “Work”.

3AI Agents allow Copilot to access your organization-specific apps. In the past this would have required an API call to get data from a system of record.

The content in this example scenario is for demonstration purposes only. You should evaluate how Copilot aligns with your organization’s business processes, regulatory requirements, and responsible AI principles.