Fraud & compliance that protects your business from risk
Regulations are tightening, fraud is evolving, and internal teams are stretched thin. Horatio’s Compliance & Fraud outsourcing solutions give you the expert support you need to stay protected, compliant, and ahead of risk.
From KYC verification to chargeback resolution, our teams integrate seamlessly with your systems to safeguard your customers and strengthen your operations.
Trusted by leading marketplaces & platforms
Compliance & Fraud services that reduce risk and drive trust
From chargebacks to regulatory reports, our teams handle the high-volume tasks and sensitive workflows that keep your business compliant and secure.
Fraud prevention & detection
Review transactions, profiles, and behavior patterns to identify threats such as payment fraud, promo abuse, scams, and account takeovers. Our teams use policy playbooks and investigative tools to spot anomalies early and reduce downstream loss.
Certified to meet the highest standards
Horatio is SOC 2 Type II, PCI DSS, and HIPAA compliant, ensuring every compliance process and fraud review is handled with maximum data protection. We maintain secure, restricted-access zones inside our offices for sensitive workflows, giving your team peace of mind and audit-readiness from day one.
Compliance & Fraud outsourcing that raises the bar
Beyond flagging risks, we actively prevent them. Horatio delivers deeply trained fraud and compliance specialists, enterprise-grade infrastructure, and proactive insights that help you scale securely and stay audit-ready.
Expert-led fraud detection
Our teams understand fraud patterns, promo abuse, identity risk, and account manipulation, using judgment and playbook-driven reviews to flag threats before they escalate.
KYC & AML compliance
We verify user identities, perform AML monitoring, and escalate suspicious activity to ensure regulatory alignment and reduced risk exposure.
Scalable, around-the-clock support
Our teams adapt to your volume and workflows, providing 24/7 reviews of payments, profiles, and reports across multiple geographies.
Quality-first execution
We maintain a 98% QA score through structured audits, calibrated feedback, and real-time dashboards. That means fewer errors, faster reviews, and stronger compliance.
Stable, high-retention teams
With just 2% turnover, our compliance agents develop domain expertise, follow your policies consistently, and improve results over time.
Operational redundancy built-in
We hire ahead and cross-train teams to ensure full coverage and seamless continuity, even during absences or program shifts.
Secure, restricted-access workspaces
Sensitive data is handled in controlled, badge-only zones within our facilities, with multi-layered physical and digital protections.
A true compliance partner
We flag trends, share audit insights, and continuously optimize workflows, so your team can focus on strategic decisions, not manual review.
Expert-led fraud detection
Our teams understand fraud patterns, promo abuse, identity risk, and account manipulation, using judgment and playbook-driven reviews to flag threats before they escalate.
KYC & AML compliance
We verify user identities, perform AML monitoring, and escalate suspicious activity to ensure regulatory alignment and reduced risk exposure.
Scalable, around-the-clock support
Our teams adapt to your volume and workflows, providing 24/7 reviews of payments, profiles, and reports across multiple geographies.
Quality-first execution
We maintain a 98% QA score through structured audits, calibrated feedback, and real-time dashboards. That means fewer errors, faster reviews, and stronger compliance.
Stable, high-retention teams
With just 2% turnover, our compliance agents develop domain expertise, follow your policies consistently, and improve results over time.
Operational redundancy built-in
We hire ahead and cross-train teams to ensure full coverage and seamless continuity, even during absences or program shifts.
Secure, restricted-access workspaces
Sensitive data is handled in controlled, badge-only zones within our facilities, with multi-layered physical and digital protections.
A true compliance partner
We flag trends, share audit insights, and continuously optimize workflows, so your team can focus on strategic decisions, not manual review.
The Horatio advantage starts with our people
Fraud and compliance work demands intense focus, ethical integrity, and unwavering precision. That’s why we recognize the mental and operational demands of this work and invest in a culture that supports our teams holistically. Because when our people are cared for, your business is better protected.
In-office mental health support
Our teams have free access to licensed therapists and psychologists within our facilities, ensuring emotional well-being for those working in high-responsibility roles.
Structured workload rotation
To prevent fatigue and maintain performance, we balance investigative tasks across fraud analysis, KYC verification, and compliance monitoring. This promotes mental clarity, reduces...
Focus-friendly workplace design
Our offices feature designated quiet zones, ergonomic workspaces, and wellness rooms, giving teams the environment they need to stay sharp and supported throughout the day.
Long-term retention, deeper expertise
With a staff turnover rate of just 2%, our agents gain deep knowledge of your policies, systems, and regulatory expectations, leading to better decisions and greater consistency over time.
Client-integrated operations
You’re welcome to meet your team on-site in our Dominican Republic or Colombia offices, where transparency and partnership are built into every program.
Ethical outsourcing, built to scale
We deliver cost-effective compliance support without compromising on ethics, well-being, or operational excellence.
Ethical outsourcing at scale
We combine high care with high performance, giving you a nearshore solution that delivers operational excellence without compromising team well-being.
Customer Stories
What our clients are saying
“It impresses me every day how well our team really understands what we're building and what we're doing and how to best serve our community. My only regret is not working with Horatio earlier.”
“It impresses me every day how well our team really understands what we're building and what we're doing and how to best serve our community. My only regret is not working with Horatio earlier.”
“Our experience with Horatio has been nothing short of amazing. Our business actually is very involved. There is a lot of industry specific knowledge for the roles that they have here. So they've adapted very well. The customer service is outstanding.”
“The best part about working with Horatio is that they’re not just a vendor. They focus on being a strategic partner in every aspect of your business; the future of BPOs. Long gone are the days where contact centers are cost centers. Horatio turns a contact center into a profit center.”
“It impresses me every day how well our team really understands what we're building and what we're doing and how to best serve our community. My only regret is not working with Horatio earlier.”
“It impresses me every day how well our team really understands what we're building and what we're doing and how to best serve our community. My only regret is not working with Horatio earlier.”
“Our experience with Horatio has been nothing short of amazing. Our business actually is very involved. There is a lot of industry specific knowledge for the roles that they have here. So they've adapted very well. The customer service is outstanding.”
“The best part about working with Horatio is that they’re not just a vendor. They focus on being a strategic partner in every aspect of your business; the future of BPOs. Long gone are the days where contact centers are cost centers. Horatio turns a contact center into a profit center.”
Data that speaks for itself
Our operations are built to deliver measurable impact across every compliance and fraud workflow.
Compliance outsourcing for regulated, high-growth industries
Whether you’re a fintech scaling fast, or an e-commerce platform facing rising fraud, Horatio helps you stay protected and compliant without growing your internal headcount.
E-commerce & marketplaces
Protect your platform from transaction fraud, chargeback abuse, and policy violations with 24/7 risk review teams.
Fintech & payments
Support your digital tribe with scalable, policy-aligned moderation that protects your values and creates a welcoming, inclusive environment.
Online education & EdTech
Ensure safe and compliant learning environments with user verification, payment review, and policy enforcement support.
SaaS & subscription platforms
Prevent promo abuse, account sharing, and false chargebacks while ensuring compliance across billing and user activity.
Crypto & Web3
Stay ahead of regulatory pressure with KYC/AML workflows, identity verification, and risk monitoring built for decentralized platforms.
Gaming & mobile apps
Stop account fraud, in-game abuse, and unauthorized transactions while supporting compliance with regional guidelines.
Healthcare & HealthTech
Maintain HIPAA-compliant operations with secure data workflows, compliance reporting, and patient identity verification.
More services to strengthen compliance and scale securely
Fraud and compliance efforts don’t operate in isolation. Horatio offers an integrated suite of services that work in tandem with your compliance operations, supporting user protection, operational efficiency, and long-term risk reduction across every function of your business.
Customer support
Build trust with responsive, policy-aware service. Our multichannel support teams handle identity-related questions, billing issues, and account concerns with sensitivity and compliance in mind.
Back-office support
Streamline repetitive, compliance-sensitive workflows like data entry, document verification, and partner screening. Our back-office teams improve accuracy, reduce overhead, and keep your systems audit-ready.
Trust & safety
Enforce platform policies and prevent abuse with expert moderation and behavioral oversight. We help maintain safe environments where user trust, safety, and compliance intersect.
Quality assurance
Ensure your fraud and compliance processes are executed with consistency and precision. Our QA analysts monitor case accuracy, escalate irregularities, and provide feedback for continuous improvement.
Technical support
Empower users with swift, compliant assistance. Our Tier 1, 2, and 3 technical support teams troubleshoot platform issues, secure accounts, and escalate suspicious activity when needed.
Consulting Services
Horatio’s consulting services help you reimagine your customer experience, improve operational efficiency, and unlock the power of AI with guidance rooted in real-world execution.
Real results from real compliance programs
See how Horatio has helped high-growth companies reduce fraud, streamline audits, and stay ahead of risk.
Compliance insights & fraud prevention trends
Stay current with the latest insights on regulatory changes, fraud detection tactics, and scalable compliance operations.
Compliance insights & fraud prevention trends
Stay current with the latest insights on regulatory changes, fraud detection tactics, and scalable compliance operations.
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Frequently Asked Questions
Ready to strengthen your compliance operations?
Protect your business, reduce fraud, and stay ahead of regulatory risk with Horatio’s tailored Fraud & Compliance outsourcing solutions. Whether you’re scaling a fintech platform or tightening internal controls, our expert teams are here to help you move forward with confidence.
Let’s talk about your compliance and fraud prevention needs!