Risk Models That Build Themselves
Consilience turns raw data into high-performance credit and fraud models.
Our AI-native platform discovers optimal features and parameters automatically with full auditability and regulatory compliance built in.
Purpose-built for credit & fraud teamsHow It Works
We Automated Model Building
Turn raw data into high-performance models, with banking compliance and auditability built-in.
Connect Your Data
Connect your data warehouse or upload training data directly. We support complex JSON and credit report formats out of the box.
Data connections
Build Optimized Model
Our platform explores thousands of potential predictors from your data — signals too expensive or time-consuming for any team to find manually. It selects only the features that genuinely improve the model, trains, and iterates until performance peaks. Every feature is intentionally built to meet banking compliance requirements.
Feature evaluation — iteration 4/5
Model AUC
Features kept
69 / 4,200 candidates
Validate and Audit
Receive a model with a complete feature audit trail, SHAP analysis, explainable feature definitions, and training scripts you own. Built for banking compliance from day one.
Feature importance
Model ready ✓0.777
AUC
+9.4%
vs baseline
< 3 days
Time
Impact
The ROI of Automated Model Building
Build better models that approve more, optimize pricing, and cut losses. See what Consilience can do for your business.
Time Savings
Model build time
Model validation
Model refresh cycle
Revenue Impact
Consilience Credit Model
+1% approval at same loss rate
Consilience Pricing Model
Discover where to optimize APRs and increase take-up
Consilience Fraud Model
15% reduction in fraud losses
Time savings based on 2 new models, 3 model refreshes, and 5 feature engineering sprints per year. Manual sprints average 8–12 weeks each vs. 3 days with Consilience.
The Platform
Everything you need to build world-class models
One platform covering the full lifecycle — from raw data to compliant ML model.
Automated Feature Engineering
Our platform systematically explores thousands of potential predictors from your financial data — surfacing signals that manual engineering would never find, at a fraction of the time.
Iterative Model Optimization
Models are trained, evaluated, and refined automatically. Only the features that genuinely improve predictive performance make the cut — everything else is eliminated.
Full Feature Auditability
Every feature comes with a human-readable definition, importance score, and version history. Built for bank-grade model risk management and regulatory review.
Complex Data, Parsed Automatically
Understands complex JSON and unstructured data out of the box. Builds feature engineering functions that extract and parse signals from nested objects, tradelines, and multi-level credit report structures.
Multi-Warehouse Integration
Native connectors for Snowflake, BigQuery, Databricks, Redshift, Postgres, and S3. Connect your data where it lives — no ETL required.
Deploys in Your AWS Environment
Runs inside your own AWS VPC. Your data never leaves your environment — no third-party ingestion, no shared infrastructure. SOC 2 compliant, fully airgap-compatible.
Use Cases
Every model your business needs
Credit, fraud, pricing, forecasting — whatever model your risk team needs, Consilience builds it in days, not quarters.
Credit Underwriting
Approve more of the right customers and lose less. Discover borrower segments your current model misses.
Fraud Detection
Reduce false positives without sacrificing approval rates. Surface behavioral signals that rule-based systems can't see.
Loan Pricing Models
Build risk-based pricing models that optimize for margin and volume simultaneously.
Model Refresh
Keep models current as borrower behavior evolves. Plug in new performance data and get a retrained, improved model — without months of manual work.
New-to-Credit Customers
Build models for thin-file customers using alternative data signals. Expand your addressable market without increasing portfolio risk.
Loss Forecasting
Hit quarterly targets reliably. Build portfolio-level loss models with leading indicators that give your team time to act.
Security & Compliance
Built for banks and fintechs
On-premises deployment, fair lending tooling, and full model auditability — designed to meet the security and compliance expectations of financial institutions.
Deploys in Your AWS Environment
Consilience runs inside your own AWS VPC. Your data never leaves your environment — no third-party ingestion, no shared infrastructure. SOC 2 compliant and fully airgap-compatible.
Fair Lending Built In
Disparate impact testing and adverse action code generation are built into every model run — designed to align with Reg B and CFPB fair lending guidance.
Designed for Regulatory Alignment
Built with model risk management in mind — designed to align with industry model validation standards and bank examiner expectations. Encryption at rest and in transit throughout.
Full Model Transparency
You own the models. Every feature has a human-readable definition. Every training run is logged and versioned. No black boxes — ever.
Backed By
Leading investor behind Stripe, Ramp, and Plaid
Ready to build your best model?
Join leading lenders using Consilience to build faster, more accurate ML models — with full compliance built in.