Redoyan Chowdhury’s AI Crusade: Preventing the Next Billion-Dollar Breach

Turning code into a shield against financial crime

Redoyan Chowdhury, a Bangladeshi researcher and postgraduate student in the United States, is leading a technological effort to modernize America's financial security systems. Inspired by the 2016 Bangladesh Bank cyberheist, Chowdhury’s mission is to stop future fraudulent transactions using artificial intelligence, machine learning, and data analytics.

Now based in Los Angeles, Chowdhury recently completed his MBA in Management Information Systems at International American University. His research into financial fraud, specifically “Machine Learning-Based Detection and Analysis of Suspicious Activities in Bitcoin Wallet Transactions in the USA,” forms the backbone of a broader initiative that aims to reform outdated banking infrastructure in both private and public sectors.

“Traditional fraud detection misses nearly one-quarter of advanced threats,” Chowdhury said. “That gap costs billions in losses and weakens trust in our financial systems.”

His proprietary system, using deep learning, reinforcement learning, and Graph Neural Networks, has achieved a 94 percent fraud-detection accuracy, far exceeding the 71 percent industry standard. His innovation also includes real-time threat modeling using Q-learning algorithms and federated learning, enabling multiple institutions to train detection models without sharing sensitive data.

Beyond fraud prevention, Chowdhury’s AI tools forecast financial trends with 87 percent accuracy. His research spans over 23 peer-reviewed publications, with topics including AI in healthcare, generative AI in business, and the role of microcredit in social development.

Chowdhury’s long-term roadmap includes partnering with regional banks, regulators, and national agencies such as the Federal Reserve. He also plans to train over 10,000 professionals to close the U.S. AI workforce gap, supporting national objectives outlined in Executive Order 14179.

“Financial security isn’t just about money, it’s about national resilience,” he said.

Chowdhury’s journey from the classrooms of Dhaka to the forefront of American fintech innovation underscores the global stakes in the race to secure digital economies.