Fraud & Risk Analytics
Detecting behavioural patterns, suspicious activity, abuse signals, and operational risk.
AI-Enabled Analytics · Decision Systems · Independent Research
Sergey Kaminov
I build decision systems from complex behavioural, financial, and operational data — combining senior BI, fraud and payments analytics, AI-assisted workflows, and independent research into coherence under uncertainty.
Making hidden systems visible.
Data · Risk · Behaviour · AI · Coherence · Decision Systems
Experience
10+ years
analytics, BI, payments and marketing performance
Domains
Fraud · Payments · Behaviour
risk signals, customer systems, commercial decision support
Tools
SQL · BigQuery · Tableau · Alteryx
dashboards, data models, automation and reporting architecture
Research edge
AI coherence
independent work on long-horizon stability and repair
01
Analytics & Decision Systems
I help organisations turn complex behavioural, financial, and operational data into decision systems.
Over the last decade, I have worked across data analytics, business intelligence, fraud prevention, payment behaviour, customer systems, reporting architecture, dashboards, and AI-assisted analytical workflows.
My work focuses on the behaviour of systems: how users act, how risk emerges, how incentives shape outcomes, and how data can be structured to improve commercial, operational, and strategic decisions.
Professional focus
Senior analytics · BI · Fraud & payments · Behavioural data · Decision intelligence · AI-assisted workflows
Payments & Behaviour
Understanding payment flows, user behaviour, transaction patterns, and commercial outcomes.
BI & Reporting Architecture
Building dashboards, analytical frameworks, reporting systems, and decision-support structures.
AI-Assisted Analytics
Using modern AI tools to accelerate analysis, reporting, quality checks, documentation, and decision workflows.
Worked example · illustrative
See the example ↗
From messy data to a decision
A visual walk-through of how raw, broken data becomes a quantified business action — messy input → coherent structure → the signal → a rule → measured impact. Switch between fraud & payments and retention & churn.
Analysis · AI & the US job market
Open the seismograph ↗
AI Labour Seismograph
An interactive model of AI task-exposure, BLS labour-market signals and the full cost of automation — supervision, integration, retries and error risk, not just tokens. It tests where AI actually beats fully-loaded labour, and where the "AI replaces everyone" story breaks down on the economics.
Available for selected analytics, BI, and AI-enabled data work — consulting, advisory, or the right opportunity.
02
Selected Analytics Work
Sanitised examples of the kind of commercial analytics work behind the site — no client-confidential data, just the operating pattern.
TUI · Group Marketing
Built group-wide CRM campaign reporting and analysis, and rolled out unified KPIs across 7 countries — so every market read campaign performance the same way.
Group-wide uplift in campaign performance (≈20%).
Betfair · Payments Analysis
Built the payments view management used to steer card processing — forecasting and budgeting models plus automated KPI dashboards that put decisions on live numbers.
~10% cut in interchange fees; found and fixed a corporate-account referral-fee error that lifted the company's reported profit margin from 10% to 11%.
UFS Consulting · Fraud & Payments
Ran an analytics consultancy delivering fraud-prevention and payment-optimisation work across multiple (NDA) client engagements — paid on the savings actually delivered.
Outcome-based model; ~€30M billed in a year (incl. subcontracted delivery).
How I create value
Professional profile
Clarify the decision → structure the data → build the metric layer → automate the reporting loop → expose the risk, behaviour or commercial signal leadership can act on.
Download CV for full experience, tools, certifications and employment history. ↗
03
Independent Research
How do intelligent systems maintain coherence under uncertainty?
Alongside my analytics career, I conduct independent research into AI coherence, alignment, complex adaptive systems, consciousness models, and the stability of intelligent systems under uncertainty.
It's the same question that drives my day work — how complex systems hold together, and how to make that visible — followed past the dashboard into how intelligence itself stays coherent.
Interactive explainer · new
Can an AI repair its own incoherence?
Play with the detect → repair → verify → stability loop and watch why verification — not detection — is the binding constraint. Built from my CRepair benchmark and the real Claude Sonnet results.
Explore the CRepair explainer →
uncertainty
coherence
repair
stability
Start here
Collaboration & external work
- Co-authored paper — in final review. Comparative characterization of embedding-coherence metrics under progressive semantic perturbation, with Javier Marín (Universidad Europea, Madrid) — in a final pass with the co-author ahead of submission.
- Judge-validation study — in progress. Human spot-checks against the LLM-as-judge coherence score, to ground the CRepair metric beyond automated scoring.
- Open code & data. CRepair benchmark and intervention protocols published openly so results can be independently replicated.
AI coherenceAlignmentComplex adaptive systems
CRepairConsciousness modelsDecision integrity
Long-horizon system stability
Selected publications
- CRepair Wrapper Improves Structural Self-Repair Across Three LLM Families: A Cross-Model Replication Study 2026 · Preprint, Zenodo · 10.5281/zenodo.20432173
- Detecting and Repairing Coherence Failures in Long-Horizon AI Agents 2026 · Preprint, Zenodo · 10.5281/zenodo.20283434
- Foundations of Coherent Artificial Cognition: A Structural-Dynamical Framework, Global State Architecture, and the A-Test Protocol 2026 · Preprint, Zenodo · 10.5281/zenodo.18445064
Also in the programme: Structured Runtime Intervention (CRepair pilot) · Coherence-per-Watt · CRepair Benchmark v0.2 (open software). Full archive — 20+ works on ORCID ↗ · deeper research at fractality.co.uk ↗
04
Labs — Visual Instruments for Hidden Systems
Experimental interfaces for seeing invisible structures: knowledge networks, planetary signals, live data, and complex systems in motion.
Knowledge Network
WikiSphere
A knowledge-map interface for exploring Wikipedia as a living graph.
WikiSphere turns encyclopaedic knowledge into an explorable network, revealing connections between ideas, topics, and concepts.
Open WikiSphere ↗
Planetary Signals
TREMOR
A live planetary signal instrument visualising earthquakes, storms, fires, volcanoes, and floods on a rotating Earth.
TREMOR uses open scientific data feeds to show the Earth as a living system of seismic and environmental signals.
Open TREMOR ↗
Comparative Mythology
Tree of Religions
A genealogical map of the world's faiths — documented lineage on one layer, and hidden, contested, mythological connections on another.
Tree of Religions traces who descended from whom across millennia, then overlays the contested and mythological links traditions rarely admit.
Open Tree of Religions ↗
05
Latest Signals
Recent public work: practical analytics, research, and visual instruments in one living body of work.
Analysis
AI Labour Seismograph
US labour-market signal and AI replacement-economics model.
Research CRepair replicationCross-model study of structural self-repair in LLM systems.
Lab TREMORLive planetary signal instrument for earthquakes and hazards.
Essay Human 2.5Phenomenology of ground, perception and hidden supports.
06
Books & Essays
Books and essays on coherence, artificial intelligence, consciousness, civilisation, memory, and the preservation of meaning.
Fractal Threads of Consciousness
Independent work exploring coherence, consciousness, artificial intelligence, and complex systems.
The Second Breath
A continuation of the Fractal Threads project, expanding the inquiry into coherence, consciousness, AI, and meaning.
The Architecture of Becoming
A civilisational and systemic volume on coherence, institutions, AGI, society, ethics, and the noosphere.
The Echo Keepers
A literary project about memory, forgetting, transmission, and the preservation of meaning after history is gone.
Human 2.5
A careful phenomenological project about the hidden supports of ordinary human experience: ground, body, time, perception, memory, and self-location.
Selected essays
- Human 2.5: We See in 3D But We Live by the Ground Essay · Medium
- We Have Made This Mistake Before Essay · Medium
- The AI Genie, the Lucifer Paradox, and the Geometry of Awakening Essay · Medium
07
Field Notes
Beyond analytics and research, I am drawn to activities that make invisible systems tangible: sailing, skydiving, mountains, watches, electronics, and sound.
They all involve the same quiet discipline: reading signals, understanding constraints, and finding coherence under uncertainty.
Sailing
Skydiving
Mountains
Watches
Electronics
Sound
08
Contact
For senior analytics roles, consulting, research collaboration, writing, or thoughtful conversation.
Open to selected senior analytics, BI, fraud/payments, decision intelligence, and AI-enabled data work — consulting, advisory, research collaboration, or the right opportunity.