lloyds banking group: ai fraud agent
case studies highlights
Serving millions of customers across Lloyds, Bank of Scotland, and Halifax, this UK banking group is one of the most regulated and high-stakes financial institutions.
the challenge
With rising fraud risk and increasing transaction volumes across Lloyds, Bank of Scotland, and Halifax, the bank needed a solution that could detect suspicious activity in real time — without compromising customer trust, security, or regulatory compliance.
The challenge was to:
Reduce false positives while accurately identifying fraud
Operate within strict financial regulatory frameworks
Maintain a seamless customer experience during security checks
Scale effectively across millions of transactions and hundreds of thousands of customers
the solution
To address the rising fraud risk, our Founder worked directly with the Lloyds Banking Group team to design and implement an AI-powered fraud detection agent capable of operating at scale across Lloyds, Bank of Scotland, and Halifax.
The solution was built to:
Analyse customer transaction behaviour in real time to identify suspicious activity
Integrate seamlessly with third-party APIs while maintaining strict compliance and security standards
Guide customers through security checks with minimal friction and false positives
Launch to hundreds of thousands of customers from day one, ensuring immediate impact
Successfully deployed to hundreds of thousands of customers across Lloyds, Bank of Scotland, and Halifax
Improved real time fraud detection and minimised false positives
Enhanced customer trust by maintaining seamless, secure experiences
Delivered a scalable AI framework for future fraud prevention initiatives
The results
"WHAT SET JULIE APART WAS HER FOCUS ON ACHIEVING POSITIVE CUSTOMER OUTCOMES. SHE UNDERSTOOD THE SIGNIFICANT IMPACT HER WORK HAD ON OUR MOBILE BANKING APP, WHICH SERVES OVER 20 MILLION CUSTOMERS. THE PROPOSITIONS SHE HELPED DELIVER PLAYED A HUGE ROLE IN ACHIEVING OUR BUSINESS GOALS OF GROWTH OF THE CHATBOT CHANNEL AND COST REDUCTION.”
Ryan Cameron, Senior Digital Product OwnerTier-1 British Banking Group
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