Stop deepfakes and social engineering in their tracks
Fraud happens in the moment
Fraudsters are good at what they do. They know how to hide in shades of grey, subtly pressure even trained agents, and obtain what they're seeking without raising flags. Rules and policies alone can't stop them - they thrive in exploiting our humanity to bypass those restrictions. To catch them in the act, you need a system that understands that human element, and can spot, in real-time, when deceptive tactics are being deployed.
Traditional fraud prevention falls short.
Transaction monitoring, call metadata, or post-call analysis can help realize you've been tricked, but only after the damage is already done.
Modulate detects fraud through voice itself, flagging deceptive intent to your agents before they get taken for a ride.
Powered by Velma, our voice-native AI model, Modulate's platform goes beyond the literal words to understand the emotional and acoustic subtext in each conversation, reliably surfacing fraud indicators invisible to transcripts and text-based AI.
By the Numbers
In 2024, account takeover fraud cost US adults approximately $15.6 billion, a 23% increase from the previous year.
ATO incidents rose by 13% compared to 2023, while multi-accounting cases increased by 10% year-over-year.
In 2023, the total cost of insurance fraud (non-health insurance) in the U.S. was estimated to exceed $80 billion.
74% of financial and retail leaders report deepfake or voice-cloning incidents as a major or moderate concern.
Why voice is critical for fraud detection
Fraud is fundamentally an audio problem, not a text problem.
Two calls with identical transcripts can have completely different meanings depending on hesitation, pacing, emotional incongruence, background noise, or signs of coaching. These cues are where fraud intent often lives—and where transcription-first or LLM-based systems fall short.
Modulate analyzes voice directly, in real time, preserving the acoustic and behavioral signals that less specialized systems miss.
What Modulate detects
Modulate of course recognizes suspicious comments, but augments this with voice-native signals to increase accuracy and speed of detection. These signals include:
Scripted or rehearsed speech patterns
Emotional incongruence (urgency without stress, calm under pressure)
Hesitation, contradictions, and recall gaps
Background indicators of coordination or coaching
Voice mismatch against known account holders
Synthetic or AI-generated voice indicators
Elevated stress and cognitive load markers
When flagging potential fraud, Modulate surfaces these underlying signals as well, tying them directly back to the original audio to support confident, defensible, and compliant decisions—not black-box risk scores.
Built for regulated, high-stakes environments
Modulate is designed for industries where accuracy, speed, and explainability matter:
Banking & financial services
Insurance & claims processing
Retail & ecommerce
Telecom & utilities
The platform delivers low-latency detection with transparent outputs that support audits, disputes, and regulatory requirements.
Why Modulate?
Uncontested Voice Intelligence, powered by Velma
Modulate's platform builds on years of experience processing hundreds of millions of complex audio conversations - the culmination of which is our unique analysis engine, Velma. Velma is the world's first voice-native Ensemble Listening Model (ELM), designed to understand how something was said—not just what was said.
Velma consists of hundreds of component models, each focused on a specific aspect of speech or behavior, and orchestrated carefully to build up a complete understanding of any conversation.
Baked into an Enterprise Platform designed to Solve Real Problems
Despite our leading role in AI research, Modulate's core focus is delivering usable, practical tools for enterprise needs. That's why we're not just handing you an AI model, but an enterprise platform complete with expert support, compliant design for CCPA, GDPR, ISO 27001, HIPAA, and more, and integrations into telephony, CCaaS, VoIP, and other critical systems used by enterprises for calls today.
Velma's architecture ties into this mission as well. The unique ELM design allows Modulate to:
Fine-tune individual detectors without retraining a monolithic model
Provide transparent and clear audit trails explaining how we arrived at each decision
Adapt quickly as adversarial tactics evolve
Deliver consistent performance across languages, accents, and environments
Insights that fit your workflow.
Pairing Velma’s industry-leading intelligence with the reliability and control required for enterprise.
Dashboards and Review Console
Explore conversations and escalations in a UI designed for operations teams—fraud, trust & safety, and contact center leadership.
APIs and Webhooks
Bring voice intelligence into your stack: route signals into case management, risk engines, agent coaching tools, or moderation workflows.
Integrations
Deploy without ripping and replacing. Connect into the voice infrastructure you already use.
Stop fraud before it succeeds
Catching fraud after the fact is expensive. Catching it during the conversation changes the outcome.
Modulate can help you gain the voice-native intelligence needed to intervene early, protect customers, and reduce preventable losses. Talk to our team today.