Fraud & compliance outsourcing 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.
90%
CSAT Score
2 Hours
Average First-Response Time (Email)
15%
Chat Conversion Rate
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
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 directly within our facilities, ensuring emotional well-being for employees working in high-responsibility roles. This on-site support allows team members to address stress early, maintain balance, and stay focused on delivering thoughtful, high-quality work.
Structured workload rotation
To prevent fatigue and maintain strong performance, we balance investigative work across fraud analysis, KYC verification, and compliance monitoring. This structured rotation helps reduce burnout, sustain mental clarity, and ensure teams maintain the attention to detail required for sensitive financial and compliance tasks.
Focus-friendly workplace design
Our offices are designed to support productivity and wellbeing, featuring ergonomic workspaces, quiet zones, and dedicated wellness rooms. These environments allow teams to stay focused, take meaningful breaks when needed, and maintain the mental sharpness required for complex operational work.
Long-term retention, deeper expertise
With a staff turnover rate of just 2%, our teams remain stable and develop deep expertise in your systems, policies, and regulatory requirements. This continuity allows agents to make more informed decisions over time, improving operational consistency, accuracy, and long-term program performance.
Client-integrated operations
We believe strong partnerships are built on transparency and collaboration. Clients are always welcome to visit their teams in our Dominican Republic or Colombia offices, where they can experience our operations firsthand and build stronger connections with the people supporting their programs.
Ethical outsourcing, built to scale
Our approach combines responsible employment practices with operational efficiency to deliver compliance support at scale. By prioritizing team wellbeing alongside performance, we ensure businesses receive reliable, high-quality operations without compromising ethical standards.
Ethical outsourcing at scale
We combine a people-first culture with operational excellence to deliver nearshore solutions that scale with your business. This balance allows companies to achieve strong operational performance while maintaining a responsible, sustainable approach to outsourcing.
Customer Stories
“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.”
Cate Marques
Chief Experience Officer
“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.”
Justin Zemaitis
Co-Founder and Chief Insurance Officer
“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.”
Jarvous Freeman
Vice President of Operations
1 of 3
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.
Healthcare & HealthTech
Maintain HIPAA-compliant operations with secure data workflows, compliance reporting, and patient identity verification.
Gaming & mobile apps
Stop account fraud, in-game abuse, and unauthorized transactions while supporting compliance with regional guidelines.
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
Provide users with responsive, empathetic assistance across every touchpoint. Our multichannel support teams handle everything from account access to issue resolution, helping build user trust and satisfaction while maintaining a safe, seamless experience.
Back-office support
We create safer digital environments by moderating user-generated content, detecting policy violations, and ensuring compliance with platform guidelines. Our Trust & Safety experts protect your brand, foster community integrity, and promote user confidence.
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
Maintain high standards and consistent policy enforcement. Our QA specialists review moderation outcomes, monitor accuracy, and provide structured feedback that ensures fairness, transparency, and continuous improvement.
Technical support
Deliver reliable assistance for users encountering technical issues. Our Tier 1, 2, and 3 support teams quickly resolve access problems, bug reports, and platform-related questions, reducing frustration and reinforcing user confidence.
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.
Frequently Asked Questions
Have questions about outsourcing compliance operations with Horatio? Here are answers to some of the most common questions businesses ask when exploring compliance outsourcing.
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!