SentinelPay
SentinelPay is a real-time fraud detection and prevention engine built for FinTech platforms and financial institutions. It ingests live transaction streams via Kafka pipelines and scores each transaction using a multi-model machine learning ensemble combining XGBoost, Isolation Forest, and DistilBERT for merchant text analysis, delivering decisions in under 100ms latency. The system enforces automated actions to approve, flag for review, or block transactions based on configurable risk thresholds per customer tier. It sends instant alerts through mobile push, SMS, and a case management dashboard for fraud analysts. A continuous MLOps feedback loop retrains models on confirmed fraud cases with zero downtime. Key features include SHAP-based explainability for every decision to support regulatory compliance with POPIA, PSD2, and GDPR, plus tamper-evident audit logs for forensic investigation. The engine targets modern threats including card-not-present fraud, identity spoofing, and synthetic identity attacks. S