SENGUARD

What SENGUARD does

SENGUARD Limited is a private UK cybersecurity company headquartered in Glasgow, founded in 2024, that provides device-level pre-transaction fraud prevention technology to retail banks and related financial institutions. The company's core product intercepts malicious content at the customer's device before any banking session begins, analysing online interactions in real time across approximately 5,500 URLs per user per week and categorising threats into three risk tiers: High Risk (blocked at device), Raised Risk (plain-English customer alert), and Low Risk (no interruption to normal activity). The technology operates outside the banking application as a complementary layer to existing transaction monitoring and behavioural biometrics, addressing a structural gap in fraud visibility during the pre-transaction manipulation window where AI-enhanced phishing attacks occur.

SENGUARD sells its platform through a three-stage subscription-based SaaS model: Stage One (Pilot Programme) deploys the solution to 250–1,000 high-risk customers within 30 days with no integration required, a dedicated protection manager, and 90-day ROI validation; Stage Two (Scale Deployment) extends multi-device coverage with automated threat intelligence feeds and volume-based pricing; Stage Three (Integration) feeds real-time threat data into existing fraud prevention stacks with custom alert configurations. The company's primary customer segment is UK retail banks, with secondary targeting of building societies, credit unions, and wealth management firms that carry Consumer Duty obligations but may fall outside Payment Services Regulator (PSR) mandatory reimbursement scope. Pilot deployments have delivered a 76% decrease in risk event exposure after 3 months of use, with 0.4 high-risk prevention encounters per user per week and over one year of zero-crash operational stability.

SENGUARD's go-to-market is a direct enterprise sales motion supported by content-driven demand generation through a Fraud Prevention Intelligence blog series and earned media coverage in The Herald, Mirror, Daily Record, Entrepreneur UK, and Insider. The company holds programme credentials from Cyber Runway, Cyber Fraud Scotland, Techscaler, and Santander Universities, and has positioned its technology as complementary to the £31 million Online Crime Centre (Home Office/NCA) national fraud infrastructure hub operational from April 2026. No revenue, funding rounds, management team, or patents are disclosed in available source material.

Name

SENGUARD

Legal name

SENGUARD Limited

Website

https://senguard.co.uk

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

11–50 employees

Short description

SENGUARD is a UK cybersecurity company that provides device-level pre-transaction fraud prevention technology to retail banks, intercepting malicious content on the customer's device before banking sessions begin through a three-stage subscription SaaS model.

Ownership category

akta.pro rank

Product category

Retail Banking Fraud Prevention Software

NAICS

Security Systems Services (except Locksmiths) (561621), Investigation and Security Services (5616)

SIC

Finance Services (6199)

akta.pro primary industry

Fraud Detection & Prevention (payments fraud, account takeover, scams) (FSAGAFAE)

akta.pro secondary industry

Risk, Fraud & Transaction Monitoring (Behavioral, Velocity, Controls) (FSAGAAAK)

Keywords

• Pre-transaction fraud detection
• Consumer fraud prevention
• Device-level threat interception
• APP fraud prevention
• Retail banking cybersecurity

Headquarters

HQ city

Glasgow

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations

Revenue model

1. Subscription-Based SaaS: Software-as-a-service model with three engagement stages: pilot programme (Stage One), scale deployment (Stage Two with multi-device coverage and scalable volume-based pricing), and integration (Stage Three with real-time threat data feeds). Pricing is tailored to operational reality and volume.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

SENGUARD provides a device-level pre-transaction fraud prevention solution for retail banks that intercepts malicious content at the point of compromise on the customer's device, before credentials are entered or payments are initiated. The platform operates outside the banking application as a complementary layer to existing transaction monitoring and behavioural biometrics, with three threat tiers (High Risk blocked, Raised Risk alerted in plain English, Low Risk uninterrupted). It is delivered through three subscription stages: pilot (250-1,000 customers, 30 days), scale deployment (multi-device coverage), and integration (real-time threat data feeds into existing fraud stacks).

Product overview

SENGUARD offers a unified consumer fraud prevention platform for retail banks consisting of a core device-level pre-transaction detection product and three progressive deployment stages. The core SENGUARD product intercepts malicious content at the point of compromise on the customer's device before credentials are entered or payments are initiated, operating outside the banking app with three risk tiers (High Risk/Blocked, Raised Risk/Alert, Low Risk/No interruption). The platform is complemented by three deployment stages: Stage One (Pilot Programme) for initial validation with 250–1,000 high-risk customers over 30 days; Stage Two (Scale Deployment) for broader protection across segments with centralised visibility; and Stage Three (Integration) for feeding threat intelligence into existing fraud prevention stacks via real-time data feeds.

Differentiator

Problem solved

Functional benefit

Products and services

• SENGUARD Fraud Prevention Platform A device-level pre-transaction fraud prevention solution for retail banks that intercepts malicious content at the point of compromise on the customer's device, before credentials are entered or payments are initiated. Operates across three risk tiers (High Risk blocked, Raised Risk alerted in plain English, Low Risk uninterrupted) to categorise and handle threats in real time. Designed for retail banks, building societies, credit unions, and wealth management firms.
• Pilot Programme (Stage One) Initial deployment option that deploys SENGUARD to 250-1,000 high-risk customers within 30 days with a dedicated protection manager, weekly threat intelligence reports, and clear ROI metrics after 90 days. No integration required.
• Scale Deployment (Stage Two) Scaled protection across customer segments with centralised threat visibility and case volume reduction across fraud operations. Includes multi-device coverage for complete protection and automated threat intelligence feeds with volume-based pricing.
• Integration (Stage Three) Feeds SENGUARD threat intelligence directly into the customer's downstream existing fraud prevention stack. Provides real-time threat data feeds, custom alert configurations, and is compatible with major fraud platforms.

Quantifiable outcome

• 76% decrease in risk event exposure after 3 months of use
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Online Crime Centre (Home Office/NCA)coreOthers · 1 March 2026SENGUARD positions its technology as complementary to the OCC's national infrastructure approach. The OCC addresses fraud infrastructure at scale through cross-sector intelligence sharing, while SENGUARD provides device-level pre-transaction detection for individual financial institutions. The OCC is a £31 million public-private intelligence hub jointly led by the Home Office and National Crime Agency, operational from April 2026.
• Financial Institutions (General)coreTechnology or IntegrationSENGUARD integrates its threat intelligence into existing fraud prevention stacks at Stage Three deployment. Compatible with major fraud platforms. Provides real-time threat data feeds and custom alert configurations for downstream fraud operations.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• NICE Actimize: Enterprise-scale financial crime, AML, and fraud platform from NICE, widely deployed across global retail and wholesale banking. SENGUARD's complementary pre-transaction positioning must displace or sit alongside NICE's enterprise fraud suite in UK bank environments.
• LexisNexis Risk Solutions: Global data and analytics provider of fraud, identity, and compliance solutions widely used by UK retail banks. Overlaps with SENGUARD's regulatory and fraud-prevention value proposition, particularly around Consumer Duty and APP fraud intelligence.
• Darktrace: UK-headquartered AI cybersecurity company providing anomaly detection across enterprise IT and email environments. Adjacent rather than direct: Darktrace focuses on enterprise-network and email-layer threats while SENGUARD focuses on consumer-device pre-transaction interception.
• Mastercard (Decision Intelligence / Brighterion): Mastercard's AI-driven fraud decisioning and cybersecurity solutions serve global acquirers and issuers. Competes for the fraud-prevention wallet at UK retail banks and has the scale and relationships to extend into adjacent device-level offerings.
• Visa (Risk & Identity Solutions): Visa's network-level fraud and identity solutions, including Visa Protect and Visa Threat Intelligence, sit upstream of issuing banks. Operates at a different architectural layer but competes for the same fraud-prevention budget at UK retail banks and could conceivably extend into device-level interception.

Direct peers

• Callsign: UK-headquartered authentication and fraud-prevention platform targeting financial services. Overlaps with SENGUARD in providing fraud-risk intelligence to UK banks, though Callsign focuses primarily on authentication rather than device-level pre-transaction URL/session interception.
• Featurespace: UK-based fraud detection platform built on Adaptive Behavioural Analytics, serving global card issuers and banks including the UK's major retail banks. SENGUARD competes for the same fraud-prevention budget at UK retail banks but operates upstream at the device level rather than at transaction time.
• Feedzai: Transaction fraud prevention platform serving major retail banks globally. Competes for the same fraud-stack budget SENGUARD targets, but operates at transaction level rather than intercepting threats at the customer's device before banking sessions begin.

Emerging players

• BioCatch: Behavioural biometrics platform analysing user interactions to detect fraud and account takeover for global banks. Adjacent rather than direct: BioCatch focuses on in-session behaviour while SENGUARD focuses on pre-session device-level interception of malicious content.
• Resistant AI: AI-focused document fraud and transaction fraud detection vendor serving financial services. Overlaps with SENGUARD in applying AI to fraud detection for financial institutions but focuses on document/transaction-layer signals rather than pre-session device-level interception.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about SENGUARD