Case Study: Ziraat Bankası achieves 85% pre‑impact fraud detection with ACL Managed Analytics

Fraud Detection With ACL Managed Analytics

T.C. Ziraat Bankası A.Ş., Turkey’s largest state-owned bank with over 1,300 branches and 2.5 million daily transactions, faced the challenge of detecting internal fraud and control risks across massive datasets while adapting its audit function to more strategic, data-driven work. Manual, site-based audits were too slow and incomplete for a high-volume environment, creating a need for automated, repeatable analytics and faster access to enterprise data.

Working with channel partner KOMTAŞ, the bank implemented ACL Data Analysis for Teams with training, consulting and support, enabling end-to-end analytics on complete transaction files and a centralized repository of tests and templates. The solution made the Central Audit Department the bank’s primary fraud detection resource—cutting analysis times from days to minutes, uncovering 85% of fraud cases before customer impact and achieving early detection of 42% of suspicious transactions—while improving efficiency, reducing costs and moving toward near-real-time monitoring.

Ziraat Bankası

Ali Aras

President of Audit Department