---
title: "Adalma AI - Stop scams and elder exploitation before money leaves"
description: "Stop scams and elder exploitation before money leaves. Fraud and financial crime software for credit unions and community banks: one check on the payment and the payee, then release, hold or call the member."
canonical: https://adalma.ai/
---

# Stop scams and elder exploitation before money leaves.

Fraud and financial crime software for credit unions and community banks, on the core you already run.

[Book a call](https://crm.adalma.ai/book)

Cernio Hold suggested

### New payee pattern

Member, age 74 · Checking

- Aug 09Zelle to R. WhitfieldNew payee$1,400.00

- Aug 14Zelle to R. WhitfieldEscalated$1,400.00

- Aug 18Zelle to R. Whitfield$1,400.00

_Three transfers in nine days. Each passed the rules on its own._

Supported by

[ResearchElder fraud exposure by state →](/research/elder-fraud-exposure) [Free kitWhen the member insists →](/kit/when-the-member-insists)

## One platform for the whole case.

- CernioFraud and financial crimeOne check before money leaves: release, hold or call the member.

- CuraCollections and member voiceStops collecting when a member names a scam cue.

- TessraAI governanceA kill switch on every model call.

## What Adalma does.

Adalma, Inc. builds fraud and financial crime software for US credit unions and community banks, to stop scams and elder exploitation before money leaves. It is based in Fremont, California, and was founded in 2026 by Vivek Raghunathan.

Cernio runs one check before money leaves. It checks a payment and its payee against scam and sanctions signals and the member’s own history, including a new payee or a new power of attorney or joint owner, and answers release, hold or call the member, with the evidence attached. After a hold, the member conversation, the case record, state hold-law guidance and a SAR draft for a person to review and file all stay in Cernio. Cernio records every signal used in a decision, with its source and what it may be used for.

Cura is the call: a member-voice and collections agent that checks TCPA, Reg F and FDCPA rules before every call and hands scam reports to the fraud team. Tessra is the governance layer. It sits in front of every model call to apply policy, strip PII, enforce spend limits and write a tamper-evident audit trail.

Every product deploys single-tenant, in the institution’s own cloud where required, and nothing trains on member data. Every decision is written to a hash-chained, append-only record that an examiner can verify.

## Evidence your examiner can check.

- **One audit trail:** Hash-chained. An examiner verifies it without us.

- **Your cloud, your keys:** Single-tenant. Member data never leaves it.

- **Your core:** Symitar and Fiserv DNA adapters, written to vendor spec.

[See a live audit trail →](/proof)

## Why I started Adalma

Fraud is personal to me. After about 20 years building systems where failure is not an option, I kept watching vulnerable people get taken by scammers. Credit unions are often the first to see it, so I built one platform a small team can run to catch it early.

Vivek Raghunathan, Founder & CEO · [About Adalma](/about)

## A 30-minute call, and your ROI at no cost.

Five inputs from you. Your numbers back, not ours.

[Book a call](https://crm.adalma.ai/book)

Prefer to write?

### Tell us about your team

A few lines is enough. We reply within one business day.

Partners: [hello@adalma.ai](mailto:hello@adalma.ai)