1.
Neo4j @ Payoneer
Arthur Garmider
Alex Mirkin

2.
STOCK
PHOTOGRAPHY
Connecting Global Partners…
2
© 2018 Payoneer, Proprietary & Confidential
ROYALTIES
FREELANCING:
TRANSLATION,
DESIGN, DEVELOPMENT
VACATION RENTALS
& TRAVEL
DIGITAL
MARKETING
ECOMMERCE
MARKETPLACES

3.
Payoneer Payment Platform – the numbers…
3
Banks & Payment
providers
45+
Million active users4M
Support tickets/ mont190K
Registrations/ month200K
Payments/ month2.8M
Countries200+
Currencies150+
$2B+ in payments/month

4.
Description of services
Account
5
Local Bank Transfer
Use Payoneer-issued EUR,
GBP, USD, JPY, AUD, CAD
bank accounts to receive local
payments from buyers
Credit Card Payments
Receive V/MC payments
Wire
International wires in multiple
currencies
In-Network Payments
Receive funds directly from
other Payoneer Account
Holders
Mass Payout Clients
Upwork, Airbnb, and others
instruct that payee’s Payoneer
Account be funded
Local Bank
Funds delivered to the seller’s local
bank account
in local currency
Payoneer Disbursement Card
Load funds on to Payoneer
Disbursement Card enabled for
withdrawing cash at local ATM or
use online or at POS
In-Network Payments
Pay other Payoneer Account
holders
Payments to Third Parties
Payments to suppliers’ and other
third parties’ (eg, tax authorities)
bank accounts
Pay with Payoneer
Enables marketplaces and other
third parties to debit a Payoneer
Account for fees due
Payoneer
Account
Inflows Outflows

5.
Source of funds
6
A B C

6.
What can we do - Capabilities – tracing the money
7

7.
8
Fraud Movement

8.
Connections Detection
Alex Mirkin

9.
Fraudster

10.
Acc1
Acc2
Acc3AddressAcc4
Acc5
Fraudsters Organization
Business
Development Dep. Customer Service

11.
Report A
Report B
Report C
Result A
Result B
Before
With Neo4j
Fraud Pattern Detection

12.
Report Data
Account ID Store ID
3967901 10000013353
3893562 10000013353
3902899 10000013702
3568338 10000014063
4122119 10000015587
3568338 10000015587
25566190 10000015612
25566502 10000016599
13898957 10000016599
25603352 10000016600
24399396 10000016600
13898957 10000016600
3967901 10000016824
3568338 10000016824
With Neo4j

13.
Refer-a-Friend Reward Abuse
Referred
$100 and upAccount A Account B
Activity

14.
Vis ual Inv es tigation
• Linkurious
• Gephi
• Neo4j Bloom
Automation
• API Calls to determinate risk level
• Alerts of suspicious activity

15.
Graph
Visualization
and
Investigation

16.
Refer a
Friend
Visualization

17.
Refer a
Friend
Visualization

18.
Internal
Transfers
Visualization

19.
21
Visualization of sellers connectivity in the e-commerce ecosystem

20.
22
• Higher percentage of fraud detection
• Saves time in investigations and query processing
• Generates business opportunities
Conclusion – Main benefits

21.
23
Thank You!