# Zarv - AI Risk Management & Risk Infrastructure Platform (Extended Context) > Zarv is an AI-powered risk management platform — a continuous risk infrastructure for insurers, financial institutions, fleet operators, and HR departments across Latin America. > This is the extended context file. For a concise version, see https://www.zarv.com/llms.txt ## Company Overview - **Name**: Zarv - **Industry**: AI Risk Management, Risk Infrastructure, InsurTech, Data & Analytics - **Founded**: 2022 - **Headquarters**: São Paulo, Brazil - **Mission**: Transform risk assessment through real-time intelligence - **Data processed**: +3 TB/day - **Fraud prevention rate**: 93% - **Brazilian fleet coverage**: 21% ## Products ### Zarv ID — Risk Scoring & Identity Intelligence Price risk with 87% accuracy — even for thin-file profiles. Behavioral scoring from 200+ data sources for insurance and credit. URL: https://www.zarv.com/en-us/products/zarv-id ### Zarv Signal — Continuous Risk Monitoring Monitor assets in real time. Behavioral anomaly detection, geofencing alerts, and dynamic repricing signals for insurance and fleet. URL: https://www.zarv.com/en-us/products/zarv-signal ### Zarv Lens — Claims Intelligence & Fraud Investigation Investigate claims 34x faster with AI evidence generation. Cross-reference 15+ sources, detect fraud, produce court-ready reports. URL: https://www.zarv.com/en-us/products/zarv-lens ### Zarv SmartFlow — Embeddable KYC Onboarding An embeddable identity-verification funnel — captures and clears customers on your site or over WhatsApp, with liveness and anti-fraud built in. No redirects. URL: https://www.zarv.com/en-us/products/smartflow ### Zarv GovHub — Risk Infrastructure for Government Real-time operational map, incident management, geospatial alerts, and smart video monitoring. Built for city governments. URL: https://www.zarv.com/en-us/products/govhub ## Solutions ### Insurance Reduce adverse selection, monitor risk in real time, and deny fraud with hard evidence. GDPR & CCPA compliant. URL: https://www.zarv.com/en-us/solutions/insurance ### Credit & Lending Risk doesn't end at origination. Zarv Signal monitors collateral continuously. Detect default before it materializes. URL: https://www.zarv.com/en-us/solutions/credit ### Fleet Management Real-time tracking with behavioral anomaly detection. Flag theft risk before it happens. Investigate with Zarv Lens. URL: https://www.zarv.com/en-us/solutions/fleet ### Carriers Verify drivers before dispatch, monitor your fleet in real time, and prevent cargo theft. Full risk cycle coverage. URL: https://www.zarv.com/en-us/solutions/logistics ### HR & Recruiting Background checks 10x faster. Continuous identity intelligence. Detect inconsistencies before onboarding completes. URL: https://www.zarv.com/en-us/solutions/hr ### Government Cameras, sensors, and geospatial data in one operational map. Incident management with full traceability. URL: https://www.zarv.com/en-us/solutions/government ## Technology - Cloud-native architecture on Cloudflare Workers - Real-time data processing (3+ TB/day) - Machine learning for risk assessment - Event-driven microservices - RESTful APIs with usage-based pricing - Enterprise security (SOC 2, LGPD, GDPR, CCPA compliant) ## Team - **Alexandre Rocha** — Inside Sales (Sales) Alexandre Rocha is a Sales Executive at Zarv, contributing to the company’s revenue growth by driving customer acquisition and supporting commercial execution across B2B and B2C segments. With over 7 ... Profile: https://www.zarv.com/en-us/team/alexandre-rocha - **Camila Lemos** — Product Manager (Product) Camila Lemos is a Product Manager at Zarv, responsible for product execution as the company scales — from discovery and requirements definition through delivery. With a background spanning product man... Profile: https://www.zarv.com/en-us/team/camila-lemos - **Daniel Araujo** — Product Manager (Product) Daniel Araujo is a Product Manager at Zarv, working across discovery and delivery to turn complex risk and operational requirements into scalable product solutions. With over a decade of experience sp... Profile: https://www.zarv.com/en-us/team/daniel-araujo - **Daniel Miranda** — Data Engineer (Engineering) Daniel Miranda is a Data Engineer at Zarv, focused on building scalable data pipelines and reliable data infrastructure that power risk, security, and intelligence products. With a strong software eng... Profile: https://www.zarv.com/en-us/team/daniel-miranda - **Felipe Shaider** — Head of Sales (Sales) Felipe Shaider is Head of Sales at Zarv, leading the company's commercial strategy and expanding partnerships with insurers, financial institutions, and large enterprise clients. With over 12 years of... Profile: https://www.zarv.com/en-us/team/felipe-shaider - **Ingrid Wagner** — Legal & Tax (Legal) Ingrid Wagner works across Legal and Tax at Zarv, supporting the company on legal, fiscal, regulatory, and risk-management matters. With a strong background in both Law and Accounting, she combines te... Profile: https://www.zarv.com/en-us/team/ingrid-wagner - **Janis Ferraz** — Product Analyst (Product) Janis Ferraz Chaves works in Product Development at Zarv, bridging customer and commercial needs with technical execution. With a background in Production Engineering, she brings a strong focus on pro... Profile: https://www.zarv.com/en-us/team/janis-ferraz - **Joao Costa** — Founder & CEO (Founder & CEO) Joao Costa is the Founder and CEO of Zarv, leading the company's mission to build a next-generation risk intelligence platform for insurers and financial institutions. With over a decade of experience... Profile: https://www.zarv.com/en-us/team/joao-costa - **Junior Ferreira** — Software Engineer (Engineering) Junior Ferreira is a Technical Product Leader with over 10 years of experience across software engineering, IoT, and AI-driven systems. He has built and scaled complex products in high-growth environm... Profile: https://www.zarv.com/en-us/team/junior-ferreira - **Marcelo Aimone** — Head of Engineering (Engineering) Marcelo Aimone is the Head of Engineering at Zarv, leading the design and execution of scalable, cloud-native systems that power fraud prevention and fleet protection. With a strong background in back... Profile: https://www.zarv.com/en-us/team/marcelo-aimone - **Matheus Wiggers** — Finance Manager (Finance) Matheus is Finance Manager at Zarv, responsible for financial operations, planning, and control. He oversees budgeting, forecasting, cash flow, and performance tracking, ensuring clarity and disciplin... Profile: https://www.zarv.com/en-us/team/matheus-wiggers - **Mirlane Moreira** — Inside Sales (Sales) Mirlane Moreira works at Zarv across Inside Sales, Customer Experience, and People operations. She brings a strong background in customer relationships, team support, and people development, helping e... Profile: https://www.zarv.com/en-us/team/mirlane-moreira ## Customer Testimonials - **Amazon Way to Go** (Maurici Mascarenhas, Fleet Management): "In one year of partnership, Zarv transformed our efficiency in vehicle location and recovery — with or without a tracker." - **Movida** (Lucas Filholino, Fraud Prevention): "A robust and easy-to-use fraud prevention system. Partners who innovate and understand our needs." - **Yalla** (Guilherme Oliveira, Operations): "Efficient, secure, and reliable validation. Zarv gives us the peace of mind we need to operate with excellence." ## Blog Posts ### Zarv Wins South Summit Brazil 2026 in the Enterprise Category URL: https://www.zarv.com/en-us/blog/ac9cb7d4-zarv-wins-south-summit-brazil-2026-enterprise ### The three pillars of vehicle risk management: how U.S. carriers stop pricing the past URL: https://www.zarv.com/en-us/blog/7571e0ac-the-three-pillars-of-vehicle-risk-management-how-u-s-carriers-stop-pricing-the-past ### Fleet claims management: 5 practices to reduce losses and protect the loss ratio URL: https://www.zarv.com/en-us/blog/6badfe40-fleet-claims-management-5-practices-loss-ratio ### Zarv Is a Top-50 Enterprise Finalist at South Summit Brazil 2026 URL: https://www.zarv.com/en-us/blog/38a703cc-zarv-is-a-top-50-enterprise-finalist-at-south-summit-brazil-2026 ### Scammers disguised as good customers: how relationship graph analysis identifies them URL: https://www.zarv.com/en-us/blog/d4e863d2-scammers-disguised-as-good-customers-graph-intelligence ### The silent behavior of fraudsters: what credit scores don't see URL: https://www.zarv.com/en-us/blog/a53ad9cd-the-silent-behavior-of-fraudsters ### How AI is changing insurance fraud — and what U.S. carriers need to do about it URL: https://www.zarv.com/en-us/blog/14ef2638-how-ai-is-changing-insurance-fraud-and-what-u-s-carriers-need-to-do-about-it ### Zarv ID: behavioral risk scoring for auto insurers and vehicle lenders — no prior history required URL: https://www.zarv.com/en-us/blog/c1a80cff-zarv-id-behavioral-risk-scoring-for-auto-insurers-and-vehicle-lenders-no-prior-history-required ### Embedded insurance: how insurers scale distribution without scaling adverse selection URL: https://www.zarv.com/en-us/blog/73f6d367-embedded-insurance-how-insurers-scale-distribution-without-scaling-adverse-selection ### Fleet claims management: 5 practices to reduce losses and protect the loss ratio URL: https://www.zarv.com/en-us/blog/122df2e0-fleet-claims-management-5-practices-to-reduce-losses-and-protect-the-loss-ratio ### Real-time asset monitoring: 9 advantages for insurers and lenders URL: https://www.zarv.com/en-us/blog/4174c1ca-real-time-asset-monitoring-9-advantages-for-insurers-and-lenders ### Security, control, and intelligence: turning fleet asset data into underwriting advantage URL: https://www.zarv.com/en-us/blog/8176b440-security-control-and-intelligence-turning-fleet-asset-data-into-underwriting-advantage ## Complete Sitemap ### en-us - https://www.zarv.com/en-us - https://www.zarv.com/en-us/platform - https://www.zarv.com/en-us/products - https://www.zarv.com/en-us/products/zarv-id - https://www.zarv.com/en-us/products/zarv-signal - https://www.zarv.com/en-us/products/zarv-lens - https://www.zarv.com/en-us/products/smartflow - https://www.zarv.com/en-us/products/govhub - https://www.zarv.com/en-us/solutions/insurance - https://www.zarv.com/en-us/solutions/credit - https://www.zarv.com/en-us/solutions/fleet - https://www.zarv.com/en-us/solutions/carriers - https://www.zarv.com/en-us/solutions/government - https://www.zarv.com/en-us/solutions/hr - https://www.zarv.com/en-us/about - https://www.zarv.com/en-us/pricing - https://www.zarv.com/en-us/demo - https://www.zarv.com/en-us/blog - https://www.zarv.com/en-us/ai - https://www.zarv.com/en-us/ai/overview - https://www.zarv.com/en-us/ai/products - https://www.zarv.com/en-us/ai/use-cases - https://www.zarv.com/en-us/ai/faq - https://www.zarv.com/en-us/legal - https://www.zarv.com/en-us/legal/privacy - 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https://www.zarv.com/es-mx/soluciones/flotas - https://www.zarv.com/es-mx/soluciones/transportistas - https://www.zarv.com/es-mx/soluciones/gobierno - https://www.zarv.com/es-mx/soluciones/rh - https://www.zarv.com/es-mx/acerca - https://www.zarv.com/es-mx/precios - https://www.zarv.com/es-mx/demo - https://www.zarv.com/es-mx/blog - https://www.zarv.com/es-mx/ai - https://www.zarv.com/es-mx/ai/overview - https://www.zarv.com/es-mx/ai/products - https://www.zarv.com/es-mx/ai/use-cases - https://www.zarv.com/es-mx/ai/faq - https://www.zarv.com/es-mx/legal - https://www.zarv.com/es-mx/legal/privacidad - https://www.zarv.com/es-mx/legal/terminos - https://www.zarv.com/es-mx/legal/anticorrupcion - https://www.zarv.com/es-mx/seguridad - https://www.zarv.com/es-mx/soporte - https://www.zarv.com/es-mx/socios - https://www.zarv.com/es-mx/brand - https://www.zarv.com/es-mx/brand ## Contact & Links - Website: https://www.zarv.com - Demo: https://www.zarv.com/en-us/demo - Support: https://www.zarv.com/en-us/support - Sitemap: https://www.zarv.com/sitemap.xml - LLMs Context: https://www.zarv.com/llms.txt - AI Context: https://www.zarv.com/ai.txt --- Last updated: 2026-09-10 > This file is optimized for Large Language Model consumption with extended context.