Solution
Voice fraud governance for regulated financial services
Sonotheia is voice fraud governance infrastructure for financial services firms where a single voice-driven decision can move money or change account control. We pair spoof detection with decision trace, calibration history, and FINRA-aligned review artifacts for FinCEN SAR support and EU AI Act transparency expectations.
Most voice fraud tools stop at scores. Sonotheia answers the examiner's question: what did you measure, which policy applied, and can you reconstruct the decision six months later?
Why is voice fraud a governance problem?
Synthetic voice quality improves every quarter, but the operational risk is evidentiary. Callback exceptions, credential resets, and wire authorizations still run on voice influence in firms that are otherwise control-heavy. When something goes wrong, regulators judge whether controls were reasonably designed and documented, not whether the voice sounded convincing.
What regulatory frameworks apply to voice fraud in 2026?
FINRA 2026 guidance addresses generative AI in supervisory systems. FinCEN expects SAR narratives involving synthetic media to reference FIN-2024-DEEPFAKEFRAUD. The EU AI Act Article 50 raises explainability requirements for high-risk channels effective August 2026. Colorado's AI Act requires documented rationale for consequential AI decisions effective June 30, 2026.
What governance artifacts does Sonotheia produce?
Decision trace JSON, sensor contribution logs, calibration version stamps, evidence-contract hashes, and export formats that support SAR preparation and internal audit reconstruction. No raw audio retention. No biometric template storage.
Frequently asked questions
- How does Sonotheia support FINRA voice fraud oversight in financial services?
- Documented calibration methodology, versioned baselines, and explainable sensor outputs give compliance teams material for FINRA vendor due-diligence files, supervisory system reviews, and annual model-risk documentation.
- Can evidence packages support SAR filings?
- Yes. Structured outputs support compliance teams preparing timely SAR narratives with audit documentation, aligned to FinCEN synthetic-media guidance.
- Do you require partner telephony audio for calibration?
- No. Blind in-situ calibration in the customer container is the product default. Partner audio samples are an optional accuracy upgrade, not a dependency.
- Is Sonotheia a neural network black box?
- Tier 1 detection uses linear classifiers on hand-crafted physics-based features. Optional Tier 2 neural specialists are documented separately and are not required for governance artifacts.
- Who is the primary buyer?
- Chief compliance officers, BSA/AML leaders, fraud operations, and technology risk teams at community banks, credit unions, and broker-dealers.
- How do we start a pilot?
- Request a demo at sonotheia.ai/request-demo. Pilots begin with controlled scenarios and documented acceptance criteria before production integration.
Ready to evaluate Sonotheia for your voice channel?
Request a demo