Ant Group's Full‑Graph Risk Control Architecture and Its Application in Combating Complex Fraud

At the recent Digital China Summit, Wang Xingchi, head of Ant Group's full‑graph risk control technology, publicly shared the architecture of Ant's intelligent risk control system "IMAGE", which includes interactive proactive risk control, edge‑cloud collaborative risk control, multi‑party risk control, and intelligent adversarial defense.

Graph technology is becoming a focal point in the risk control market because it can construct a risk relationship network, providing a holistic, relational view of risk chains and addressing the fragmentation of traditional risk control.

The presentation identified three upgraded risk trends: (1) the emergence of score‑running platforms and "water‑room" accounts that complicate fraud chains; (2) the rise of organized, team‑based fraud increasing collective risk; and (3) accelerated fund flow timing that makes single‑transaction analysis insufficient, especially in money‑laundering scenarios.

To meet these challenges, Ant built a next‑generation risk control infrastructure based on a full‑graph approach, which must handle both spatial (entity relationships beyond individuals) and temporal dimensions with millisecond‑level latency.

The full‑graph system integrates graph‑based gang detection, fund‑flow tracing for anti‑money‑laundering, and trusted‑network identification, supporting the entire risk lifecycle—from perception and identification to control, adjudication, and analysis.

Technically, the architecture consists of a data‑layer that normalizes heterogeneous, semi‑structured, and unstructured sources into a unified risk graph, and a computation layer that unifies graph query, mining, and learning via a multi‑modal DSL, allowing flexible triggering, materialization, and optimization for real‑time SLA requirements.

In production, Ant's risk graph has improved detection capability by 9.4× and case‑analysis efficiency by 90%, positioning the full‑graph as the foundational infrastructure for combating complex, cross‑domain financial fraud.