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Threat squad

AI open banking checks on every connected app

Piers Openfield, Senior AI Open Banking Specialist, an AI agent by FluxForcePiers Openfield — Senior AI Open Banking Specialist

Piers Openfield is an AI agent that assesses third-party providers when they connect, checks consent scope and strong customer authentication on each open banking call and spots connected apps that misuse your APIs. He flags what doesn't fit and sends it to your team with the evidence. Your team decides what to do about each provider.

Request a shadow mode trialSee how a case file is built
Piers Openfield
Piers Openfield, Senior AI Open Banking Specialist, an AI agent by FluxForce
TPP call #OB-11873 checked
IllustrativeFlagged for review
API risk medium
Flag explained
“Consent covers balances only. Call requested transactions. Request rate well above this provider's norm.”
PSD2 SCAOWASP API Top 10
REPORTS TO
Your Head of Open Banking or Head of Fraud
Shadow mode first
How Piers works with your team
Shadow mode
first: nothing acts until you say so
3 bands
of autonomy you configure
Every decision
has a replayable record
1 per agent
kill switch
SaaS · on-prem · hybrid
deployment
Product controls, not performance claims. Performance is measured on your data, in shadow mode.
The problem

The problem your open banking team faces with every connected app

Every third-party provider you connect gets a door into customer accounts. Onboarding checks happen once, then the traffic runs for months. Consent scope, authentication and request patterns drift, and nobody watches each call against what the customer agreed to.

API TRAFFIC
Every call

from every connected provider

Consent was checked once, at the start.

Provider risk

Onboarded once, trusted for good

A provider's due diligence is done at connection. Changes in ownership, behaviour or security after that rarely trigger a fresh look.

Consent drift

Calls outside what the customer agreed

A customer consents to balance checks. Later calls ask for transaction history or initiate payments. Without a check on each call, the gap goes unseen.

API abuse

Scraping and testing look like traffic

Credential testing, data scraping and unusual request bursts from a connected app can look like normal use at the gateway.

Job description

What Piers Openfield does Job description

Piers Openfield is a Senior AI Open Banking Specialist. He sits beside your open banking APIs and consent records, assesses the providers that connect and checks their calls against what customers agreed to.

AI AGENT · THREAT SQUAD
Piers Openfield, Senior AI Open Banking Specialist, an AI agent by FluxForce
PIERS OPENFIELD
Senior AI Open Banking Specialist
REPORTS TO
Your Head of Open Banking or Head of Fraud
WORKS WITH
Your API gateway, consent management, authentication and payment systems
DEPLOYED
Shadow mode first, then the autonomy you set
KEY RESPONSIBILITIES
01Assess third-party providers at onboarding and when their details or behaviour change, with the evidence for your due diligence file
02Check each open banking call against the customer's consent scope and its expiry
03Confirm strong customer authentication was applied where your rules require it
04Spot API abuse by connected apps, such as scraping, credential testing and unusual request bursts
05Send flagged providers and calls to an analyst with the requests and consent records attached
AUTONOMY MODEL
Low risk
Can close clear low-risk flags with a recorded reason, if you allow it
LOW
Medium risk
Goes to an analyst by default
MEDIUM
High risk
Always goes to an analyst
HIGH
You set the threshold per rule.
Kill switch: Turn Piers off at any time
Shadow mode

What to measure in shadow mode on your own data

We don't publish detection figures from our own tests. Run Piers beside your current API controls and measure what he finds in your own traffic.

01
Calls outside consent
Calls Piers flags as outside the customer's consent scope, and whether your team agrees.
02
SCA gaps
Calls where authentication was missing or didn't match your rules.
03
Missed-abuse review
Every confirmed abuse case Piers scored low. Read this number first.
04
Analyst agreement
How often your analyst's call on a flag matches Piers's recommendation.
05
Provider risk changes
Connected providers whose risk Piers would move, with the reason for each.
06
Good traffic flagged
Flags your team cleared as normal use, with the reason Piers gave.
07
Time to case-ready
Minutes from a suspicious call to a file an analyst can act on.
08
Flags with evidence
Share of flags with a replayable record. The target is all of them.
Shadow mode results belong to you. We agree the metrics, the APIs in scope, the time window and who reviews the flags before the trial starts.
How it works

How AI open banking checks work with Piers Openfield

Piers Openfield connects beside your systems through APIs. Your gateway and consent platform stay where they are.

01

Ingest

API call logs, consent records, authentication results and provider details arrive from your gateway, consent management and onboarding systems.

02

Check

Piers compares each call with the customer's consent scope and expiry, confirms authentication against your rules and scores the provider's traffic against its own normal pattern.

03

Route

Your autonomy settings decide what happens next. Clear low-risk flags can close with a reason if you allow it. Medium risk goes to an analyst by default. High risk always does. Actions on a provider's access stay with your team.

04

Record

Every flag comes with the calls, consent record and reason behind it. The decision and the person who made it go into tamper-evident evidence storage.

Want to see this on your data?

Run Piers Openfield in shadow mode on your open banking traffic. He checks and explains, and no provider's access changes. Compare his flags with your team's view before you switch anything on.

Request a shadow mode trial
Compliance and regulatory mapping

Regulatory frameworks Piers Openfield supports

Piers doesn't make you compliant. He produces the evidence these frameworks expect you to keep.

PSD2 strong customer authentication
RTS 2018/389 sets authentication requirements for account access and payments. Piers records whether authentication was applied on each call.
GDPR Articles 6 and 30
Account data shared with a provider needs a lawful basis and a record of processing. Piers keeps consent scope and each call side by side.
UK GDPR and Data Protection Act 2018
The same principles apply to UK open banking data. Piers logs which provider accessed which data, and when.
OWASP API Security Top 10 (2023)
A widely used list of API risks. Piers watches for abuse patterns it describes, such as excessive requests from a connected app.
DORA
EU financial entities manage ICT third-party risk. Piers's provider assessments give you evidence on the apps connected to your APIs.
NIST SP 800-207
Zero trust architecture treats every request as untrusted until checked. Piers applies that idea to each open banking call.
Analyst view

What your open banking analyst sees

Every connected app checked on every call. Flags arrive with the evidence.

BEFORE PIERS OPENFIELD
Provider due diligence done once at onboarding
Consent scope checked at the start only
Abuse spotted when a customer complains
Gateway logs searched by hand
No record of why a provider was reviewed
AFTER PIERS OPENFIELD
Provider risk updated when details or behaviour change
Each call checked against consent and expiry
Scraping and request bursts flagged as they happen
Calls, consent and reason in one file
Every flag replayable for an examiner
Options

How the options compare

CRITERIA API gateway rulesManual provider due diligence Piers Openfield, Senior AI Open Banking Specialist, an AI agent by FluxForcePiers Openfield
Time to first results Already in placeA review cycle per provider Shadow mode on your live API traffic
Who decides Rate limit or rule thresholdAnalyst Analyst, inside autonomy bands you set
Consent checked per call Token scope onlyNo Yes, against the customer's consent record
Provider risk over time Not coveredAt periodic review Updated when details or behaviour change
Why a call was flagged Rule IDAnalyst notes Plain-English reason with the calls behind it
Where it's weaker Can't tell legitimate bursts from abuseSlow, and blind between reviews Sees only the traffic and consent records you route to him; misuse inside a provider's own systems is out of view
Trust Builders

Built for Regulated Financial Institutions

01

Configurable autonomy

Low risk can run on its own if you allow it. Medium risk goes to a person by default. High risk always goes to a person. You set the bands per rule, channel and transaction type.

02

Kill switch

Turn Piers off without touching the other agents or your core systems. The switch, and who used it, is stamped on the record.

03

Shadow mode

Run Piers on live data with nothing blocked or closed. Compare the calls with your team's before anything changes.

04

Explainability

Every decision answers why, in plain English, with the signals and the rule or policy behind it.

05

Audit trail

Each decision is stored with its inputs, its reasoning and the person who approved it, in tamper-evident evidence storage.

06

No migration

Agents connect beside your systems through APIs. Your core banking, screening and case tools stay where they are.

Questions? We Have Answers

Frequently Asked Questions

FluxForce

Still have questions?

Talk to the people who build the agents. We'll answer per capability, yes or no.

Talk to our team contact@fluxforce.ai

It watches the third-party providers connected to your open banking APIs. Piers Openfield assesses providers at onboarding, checks each call against the customer's consent and authentication, and flags API abuse by connected apps. Your team decides what to do about each provider.

No. Piers flags the provider or the call and sends it to an analyst with the evidence. Changes to a provider's access stay with your team. A kill switch turns Piers off without touching your APIs.

He compares each call with the customer's consent record: which data, which accounts, which actions and when the consent expires. Calls outside that scope are flagged with the consent record attached.

No. He reads your gateway logs, consent records and authentication results and adds checks your gateway rules can't do on their own. Your gateway keeps enforcing its rules.

API call logs, consent records, authentication results and provider onboarding details. Past incidents and analyst decisions help him learn what your team treats as abuse.

Piers checks your live open banking traffic, but no provider's access changes. You compare his flags with your team's view and with known incidents. You decide whether, and where, to switch on any autonomy afterwards.

FluxForce runs as SaaS, on-premise or hybrid, built on Microsoft Azure. We agree data residency and which components run inside your environment during deployment design, before any data moves.

Shadow mode trial

See Piers on your data before anything changes

Run Piers Openfield beside your current process. He works on your live data and records every call, and nothing is blocked, closed or sent until you decide.

  • Runs in shadow mode on your own data, next to your team
  • You agree the metrics, the time window and who reviews the results
  • Kill switch and a replayable record of every decision from day one
  • SaaS, on-premise or hybrid, with data residency agreed up front

Shadow mode results belong to you.

Take the first step

AI agents that prepare the case. Your team makes the call.

Start with one workflow in shadow mode, then decide how much each agent does on its own.

Request a technical assessmentDownload the capabilities deck
How we start
Discovery and scoping
Integration beside your systems
Shadow mode
Controlled autonomy
Govern and improve