VoiceGuard is a real-time deepfake & vishing detection layer for the bank voice channel — passive on the call (SIPREC), explainable in the verdict, and evidence-grade in the audit trail.
Every vector below maps to a real, published case or a regulator-recorded trend — not a hypothetical. This is the fraud map of the bank voice channel.
VoiceGuard maps the full surface and defends across it in layers — passive on the call for the bank-side vectors, with an honest position on the rest (below).
A 4-stream KAN ensemble scores every inbound caller automatically — no enrolment, no voiceprint. It closes the gap voice biometrics can't: a perfect clone passes biometric "match", and VoiceGuard asks the orthogonal question — live or synthetic?
Real-time speech recognition plus a fraud-keyword engine runs on both legs — caller and agent — and fires even without a deepfake: safe-account pretext, OTP coaching, channel-hopping, or an agent policy violation. Deterministic, immediate supervisor alert.
VISHING_SCAM, DEEPFAKE_DETECTED and DEEPFAKE_VISHING — each pillar signals on its own and together.A passive SIPREC media fork at the contact-centre SBC (inbound, IVR, agent) and the internal PBX — Cisco, Avaya, Webex or MS Teams compliance recording.
Nothing sits in the live audio path: zero added latency, zero availability risk — DORA-friendly. It reuses your existing MiFID recording tap.
VoiceGuard delivers structured risk telemetry to your fraud / SIEM / CRM. Your own systems and policies decide and act. An in-app, customer-activated check is one additional layer — not the headline.
A KAN architecture yields a verdict you can defend — per-model contribution and the rule chain that triggered it, not a black-box score.
No caller enrolment, no friction in the conversation. It runs silently alongside the agent.
Every signal is timestamped, structured forensic evidence — the documented-diligence record a dispute or regulator asks for.
It doesn't replace your Voice ID, fraud engine or CRM — it adds the orthogonal "live or AI?" signal that de-risks them.
With mandatory APP reimbursement (UK), fraud liability transfer (UAE) and DORA / PSR raising the bar, an undetected synthetic-voice transfer increasingly lands on the bank — and "we did nothing" becomes a documented decision in a dispute. The voice channel is where the cost is now concentrating.
In scope, in production today: synthetic-voice detection and vishing-pattern detection on calls reaching your contact-centre and internal PBX (passive SIPREC). Out of scope, stated plainly: video deepfakes, end-to-end-encrypted audio after a mid-call switch to WhatsApp/Signal, and pure DTMF IVR reconnaissance (a bank-side telephony control). Some customer-side vectors depend on mobile-operator (CAMARA) availability. We'd rather tell you the boundary than oversell past it.
VoiceGuard doesn't have to be only a cost centre. A bank can offer it as an opt-in customer subscription — your bank watches and protects you, and the people you care about — turning fraud defence into a new revenue line, not just loss reduction. The model is already proven in adjacent categories (Carefull, sold through 35+ financial institutions; EverSafe; Fifth Third Identity Alert), and consumer willingness to pay for scam protection is well-documented. A bank-branded deepfake-voice subscription doesn't exist yet — that's the opening. It's usually a second conversation, with your retail or product team.
The Audio Challenge runs a structured detection test on your own (anonymised) samples and sends back the report. No integration, no personal data, no commitment. Or start with a 15-minute call.