Fortif.AI: Building the Future of Ethical Financial Intelligence in the U.S.

In a time when the American financial ecosystem is being tested by rising fraud, economic inequality, and a widening credit gap, we need more than surface-level innovation. We need technology that serves the people—technology that is intelligent, inclusive, and secure by design.

That’s why I founded Fortif.AI—a financial security platform powered by AI, grounded in research, and aligned with national interests. My journey started in research labs, data science teams, and fintech firms. But it is now evolving into something much bigger: a mission to fortify the future of finance in the United States.

The Problem: A Financial System Under Pressure

Each year, the FBI’s Internet Crime Complaint Center reports billions of dollars in fraud-related losses. In 2022 alone, U.S. businesses and individuals lost over $10 billion to digital fraud schemes. From phishing attacks to synthetic identity fraud, financial threats have become more sophisticated—and unfortunately, more successful.

But that’s just one side of the story.

On the other end, nearly 22% of Americans remain unbanked or underbanked, disproportionately affecting low-income, minority, and rural populations. These individuals often lack traditional credit histories and are excluded by outdated risk assessment systems. This exclusion is not only unjust—it represents a massive untapped market, a brake on economic mobility, and a challenge to the nation’s goal of inclusive growth.

My Research: Bridging the Gaps with Data, Fairness, and AI

As an AI researcher specializing in financial systems, I’ve spent the past five years working at the intersection of machine learning, risk analytics, and public policy.

My academic work, published in multiple peer-reviewed journals, addresses real-world problems:

🔹 In AI-Driven Approaches for Real-Time Fraud Detection, I demonstrated how supervised and unsupervised ML models can catch financial anomalies faster and more accurately than legacy rule-based systems.

🔹 In Machine Learning for Credit Risk Assessment, I explored how behavioral data and alternative indicators (like mobile payments or transaction histories) can increase credit access for those typically ignored by traditional scoring models.

🔹 In Data Analytics for Financial Inclusion, I built frameworks to help financial institutions identify underserved communities and deploy inclusive financial products that align with both market and social impact goals.

Together, this body of work has received 45+ citations and aligns directly with U.S. strategic priorities in cybersecurity, AI governance, financial modernization, and equitable access to credit.

Fortif.AI: Where Research Becomes a Scalable Solution

Launched in early 2025, Fortif.AI is not a generic fintech product. It is a research-informed platform with a public mission—to strengthen financial institutions against fraud and bias, and to do so with explainable, ethical, and regulation-ready AI.

What We Offer

• Real-Time Fraud Detection
  Our AI models detect anomalies in milliseconds. By combining historical behavior, transaction metadata, and network analysis, Fortif.AI helps banks and credit unions stop fraud before damage is done.

• Credit Risk Engines with Alternative Data
  We use non-traditional data—like rent, utility payments, mobile wallet usage, and behavioral trends—to offer fairer credit assessments that include the 45+ million Americans lacking a conventional credit score.

• Financial Inclusion Analytics
  With built-in dashboards, institutions can map financial access gaps across regions or demographics. This enables smarter loan product development, targeted outreach, and better policy alignment.

• Compliance and Transparency
  Every model we deploy includes built-in bias audits, explainability modules, and full regulatory alignment with GLBA, FCRA, and CCPA.

This is AI you can trust, at a time when transparency is more important than ever.

Why This Matters to the United States

Fortif.AI isn’t just a product—it’s a reflection of a national need.

The U.S. government has identified AI, fintech, and cybersecurity as critical and emerging technologies (CETs) under the National Science and Technology Council. At the same time, agencies like the Department of the Treasury and the Federal Reserve have been pushing for fairer lending, ethical data usage, and fraud-resilient financial infrastructure.

Fortif.AI directly supports these goals by:

• Preventing fraud across banks, fintechs, and government payment systems

• Promoting inclusive credit access through AI-based scoring

• Creating high-tech jobs in AI, data science, compliance, and fintech engineering

• Supporting community development finance institutions (CDFIs) and minority lenders with scalable, affordable tools

In short, we help America protect, include, and innovate—all while keeping its financial systems more secure.

Building an Ecosystem for Ethical AI

Fortif.AI is more than just my vision—it’s a growing team of engineers, data scientists, and policy specialists. Our CTO comes from a major U.S. credit bureau. Our engineering lead spent over a decade building secure APIs for fintech platforms. Our compliance team includes experts in GLBA, CCPA, and emerging AI audit frameworks.

We are actively:

• Recruiting for ethical AI roles

• Partnering with pilot institutions

• Submitting grant applications (e.g., NSF SBIR, CDFI Fund)

• Creating educational content around inclusive AI in finance

Looking Ahead: How You Can Be Involved

Whether you’re a small credit union in the Midwest, a policymaker in Washington, or a startup founder exploring AI ethics—we invite you to join us.

We believe the future of American finance must be:

✅ Technologically advanced
✅ Ethically grounded
✅ Inclusive by default
✅ Built on trust

At Fortif.AI, we’re not just making models. We’re building a future in which every financial interaction is secure, every borrower is seen, and every institution has the tools to protect its community.

If you're working in AI, finance, or policymaking, let's connect. We need more minds pushing toward ethical, equitable, and impactful technology.

Email: tanvirmd@ieee.org