Mellata: AI agent triage leaves a complex 1% requiring investigative dashboards
Karine Malata · This Startup Catches Fraud at Scale · Y Combinator · Mar 31, 2026 · at 17:11
Karine Mellata is the co-founder and CEO of Variance, an AI platform automating risk and fraud reviews. She explains why pure API decisioning failed and required building UI tools.
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“What we found out is that because AI agents are able to take on the simplest part of the workflow, so they're able to triage 99% of cases, that one percent is usually going to be the most complex cases that need to be reviewed by a human, and you need a really good dashboard, you need a really good investigative visual tool to be able to make sense of those super complex use cases.”
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