Nexa
At a glance
- Live at: BDO Unibank (POD validation + fraud screening for card delivery)
- Channels: background (no direct customer interaction); routes evidence to humans on suspicious cases
- First deployed: late 2025
- Owner: Settlements / fraud pod
The problem it solves
Two adjacent problems collapse into one workflow:
- Vendor settlement. Couriers upload Proofs of Delivery (PODs) — signed slips, photos, ID scans. Validating these manually before paying out is slow and error-prone, and delayed payouts hurt courier relationships.
- Fraud detection. Some PODs are fabricated. A delivered-marked card that the cardholder never received turns into a fraud claim within days.
Nexa validates PODs against the contract and the underlying order data, scores the risk, and either approves (auto-pays the vendor) or routes the suspicious ones to BDO’s fraud team with a full evidence trail.
How it works
Risk scoring
| Score | Bucket | Action |
|---|---|---|
| > 90% | Low risk — verified | Trigger Clara to confirm card with customer → activate |
| 70-90% | Medium risk | Trigger carrier to re-upload or customer to re-verify |
| < 70% | High risk | Route to BDO fraud team with full evidence trail |
Tech stack
| Layer | What’s used |
|---|---|
| Models | Vision LLM (GPT-4o / Gemini) for OCR + layout. Classification for risk scoring. |
| Memory | Short-term: per-POD context. Long-term: prior carrier behaviour, customer history. |
| Tools (MCP) | EDMS, carrier portals, BDO core banking (read), CCM, D-365 ticket. |
| Guardrails | All high-risk decisions require human approval; full audit trail per POD. |
| Evals | Curated POD set with known good/bad samples; adversarial samples (altered images, name typos, expired IDs). |
Eval metrics (current)
Placeholder: Need numbers from BDO deployment lead. Suggested: precision/recall on fraud detection, false-positive rate (good PODs flagged as risky), throughput (PODs/hour), $ recovered.
Lessons learned
Placeholder: Particularly around (a) carrier resistance to AI-validated payouts, and (b) what the fraud team did with the evidence trail in practice.
Sources
- BDO Unibank deck, “Fraud Reduction & Resolution” + “POD Validation Agent ‘Nexa’” sections
- Nexa video walkthrough: NEXA YouTube link
- See BDO case study for context
Changelog
- 26 May 2026: Initial draft from BDO deck.