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Platform OverviewOmnichannel solution for real-time financial crime prevention

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Built to serve modern banks, switch operators, and regulated financial infrastructures, Legatus empowers institutions to stop fraud and ensure compliance — even as threats evolve daily.  

Powered by state-of-the-art technologies and award-winning platforms from IBM, Group-IB, Master Card and others — Legatus delivers a unified approach to transaction monitoring, behavioral profiling, and identity intelligence. It adapts to your current needs and scales to meet emerging risks without compromise.

Legatus protects your customers and business from both known and unknown fraud — from day one. Designed for seamless integration and secure deployment, it fits into any IT environment while ensuring regulatory alignment and operational stability. Explore how Legatus enables control, clarity, and confidence in every transaction.

Unified Defense Architecture

At the core of Legatus is a layered, modular architecture designed to defend, adapt, and scale. 

It brings together detection, profiling, compliance, and orchestration into a single real-time pipeline — engineered for speed, precision, and transparency. Each component of the platform works independently, but is tightly orchestrated to ensure decisions are made using the right context, across the right channels, at the right moment. From raw transactional input to behavioral signals and external risk scores, Legatus ingests, analyzes, and acts in milliseconds.  

Real-Time Decision Engine

Powered by IBM Safer Payments at its core, enabling ultra-low-latency scoring, rules, and models across any channel.

Profiling & Risk Intelligence

Device data, behavioral signals, identity resolution, and historical context combine to build deep individual profiling.

Sanctions & Compliance Layer

Integrated with all the watchlists to ensure regulatory and AML screening happens in real-time.

Orchestration & Adaptation Layer

Ties together multiple data sources, risk models, and decision logic — orchestrating the entire workflow.

Case Management & Alerting

A workflow-ready (fully customisable) layer designed for investigators and analysts to take quick and auditable action.

Legatus is not a silo or an overlay. It’s a real-time intelligence layer built to sit at the heart of your payments, core systems, and compliance processes — delivering defense with structure and clarity.

platformReal-Time Intelligence

Every decision made by Legatus is powered by real-time data, adaptive models, and context-aware risk scoring. Whether it’s a card transaction, an instant payment, or a login attempt, Legatus evaluates the full picture in milliseconds — across channels, devices, and identities.

Unlike traditional batch or siloed systems, Legatus processes streaming data as it arrives. It doesn’t wait. It doesn’t guess. It scores every event live, combining current activity with behavioral baselines, past profiles, device intelligence, and external signals — ensuring both precision and speed.

Real-time is not just a feature — it’s the foundation.
With Legatus, your institution stays one step ahead of fraud, abuse, and regulatory exposure — as it happens.

Built for Action, not Alerts

Financial crime moves fast — Legatus moves faster

Event-level scoring at scale – thousands of transactions per second
Real-time integration via REST, Kafka, MQ, ISO, and custom ESB connectors
Parallel fraud and AML intelligence – no duplicated effort, no delay
Low-latency architecture (<10ms) proven in Tier 1 payment environments

Deployment Models 

Flexible by design. Secure by default. 

Legatus adapts to your operational reality — whether you’re a national switch, a Tier 1 bank, or a digital-first institution. We offer deployment models that align with your infrastructure, data residency, and risk posture — without compromising performance, control, or compliance. 

On-Premise 

For institutions requiring full control over data and systems. Deployed within your secure data center or sovereign cloud, with full auditability and support for GDPR, PCI and local regulatory requirements.

Hosted
(Private Cloud)

Delivered as a managed service from a selfhosted or an IBS-hosted environment. Includes high-security operations, patching, monitoring, and support — ideal for institutions needing rapid time-to-value with tight operational controls for a multi-tenant environment.

platformBuilt-In Compliance & Enterprise Security

Legatus doesn’t just fit into your infrastructure — it meets your compliance framework, your security baseline, and your operational priorities from day one.

Full support for privacy, profiling transparency, and data protection rights.

IBM Safer Payments, the real-time core of Legatus, is certified under:

  • PCI Secure Software Standard (v6.7.x)

  • PCI Secure Software Lifecycle (Secure SLC) Standard

  • End-to-end encryption (at rest and in transit)
  • Role-based access control
  • Audit trails for scoring, changes, and investigations
  • Integration with enterprise IAM, SIEM, and MFA systems

Legatus enables full transparency across rules, machine learning models, and decision trees. All models are human-readable, explainable, and version-controlled — giving compliance teams the confidence and auditability required under PCI, GDPR, and evolving financial regulations.

Powered by Proven Technology

Legatus brings together the world’s most trusted technologies for financial crime prevention — integrated, optimized, and delivered by IBS.

It combines best-in-class real-time engines, behavioral analytics, sanctions intelligence, and profiling tools into one seamless platform, built to scale and adapt.At the core of Legatus is IBM Safer Payments, a battle-tested scoring engine used by some of the world’s largest banks and central infrastructures. Surrounding it is a curated set of tools that expand its reach across identity, devices, behavioral signals, and compliance.

Embedded Technologies

Why it matters​

  • Best-of-breed performance and global certification
  • No vendor lock-in — flexible, API-first architecture
  • Localized support + cloud/on-prem readiness
  • Transparent models, explainable decisions, and compliance-ready

IBM Safer Payments

Real-time, white-box scoring engine. PCI-certified (Secure Software + Secure SLC). Supports hybrid rules + models. 

Used as the decision core of Legatus.  

IBM Trusteer

Device and session intelligence, malware detection, and behavioral biometrics. 

Feeds identity and risk signals into Legatus Profile. 

Group-IB

Behavioral fraud analytics, bot detection, and risk orchestration.  

Used to enrich fraud scenarios and detect unknown attack patterns. 

IBS Technology Stack

Integration fabric, profiling engine, case management, and orchestration. 

Wraps the stack and ensures modularity, speed, and extensibility. 

Legatus is not another black-box platform — it’s a strategic layer of intelligence built on tools banks already trust.