Internal Risk Monitoring Dashboard for Credit Card Operations – Capital One

We developed a real-time credit card risk monitoring dashboard for Capital One’s Canadian operations, using the MERN stack. Built through their Bangalore development center, the tool enables fraud teams to visualize transactional anomalies, track regional risks, and act on data within minutes—driving smarter, faster credit risk decisions.

Risk Monitoring Dashboard on MERN
Risk Monitoring Dashboard on MERN

Client: Capital One (via Bangalore Development Center)
Location: Canada (Operations) | India (Development)
Industry: Fintech, Risk Management, Credit Card Operations
Stack: MERN (MongoDB, Express, React, Node.js)
Service Type: Internal Dashboard Development, Data Visualization, Outsourced Product Engineering

Project Overview

Capital One, a leading North American financial institution, needed a high-performance internal dashboard to monitor credit card risk metrics for its Canadian customer base. With growing transaction volumes and stricter compliance requirements, their teams required a platform that could consolidate data from multiple sources, Analyze it using some proprietary ML Models, and allow analysts to act faster on high-risk patterns.

The responsibility for this project was handed to their Global Capability Center (GCC) in Bangalore, which further engaged our team for full-stack development using the MERN stack. The goal was to build a lightweight, modular, and secure dashboard that supported live data feeds, flexible segmentation, and workflow automation—allowing Capital One’s risk and compliance teams to monitor and respond to credit card risks with precision.

What We Delivered

🔹 React-Based Analytical Interface

We built a responsive dashboard interface using React.js that supported both real-time visualizations and deep-dive analytics.

  • Customizable widgets and interactive charts

  • Drill-down views by region, credit score, transaction type

  • Responsive UI aligned with Capital One’s internal design system

🔹 Node.js Microservices & APIs

Using Express and Node.js, we created a secure backend layer to connect Capital One’s existing databases, fraud detection engines, and compliance logs.

  • Aggregation of structured and semi-structured risk data

  • Secure API endpoints with JWT-based auth and audit logs

  • Near real-time syncing from Canadian operations systems

🔹 MongoDB for Dynamic Data Models

The dashboard’s backend leveraged MongoDB for flexible document storage of transactional, behavioral, and model-driven risk data.

  • Dynamic schema support for evolving risk metrics

  • High-performance queries for filters, alerts, and aggregations

  • Replication strategy for internal regional access in Canada

🔹 Advanced Features

  • Alerting system for anomaly spikes in specific geographies or card behaviors

  • Role-based access for analysts, fraud teams, and compliance officers

  • Downloadable reports and scheduled exports for audits

Business Impact

  • Reduced data access time from 30+ minutes to under 2 minutes for most metrics

  • Empowered Capital One’s Canadian risk teams to act faster on fraud triggers

  • Achieved 99.9% uptime with minimal latency even during transaction peaks

  • Helped visualize millions of records across transaction types, user cohorts, and geographies

  • Supported proactive compliance reporting in line with Canadian regulatory standards

Why MERN?

The MERN stack offered Capital One’s engineering team the agility and scalability needed to build a modular and fast-moving dashboard. By using a unified JavaScript stack and cloud-native design patterns, the product remained lightweight, scalable, and easy to extend across new risk dimensions and markets.

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