Spot when your customers act out of character…

About Us

Fraudsters are evolving - but so are we. We can spot when your customers are acting out of character. ARIC™ for Check Fraud is the newest product in our award-winning payment fraud prevention platform that delivers comprehensive protection against both inbound and outbound check fraud across all channels. Powered by self-learning, behavior-based AI, our software can track even the smallest shifts in your customers’ footprints. This means you’ll detect anomalies faster and stop fraud sooner, whether it’s check deposit, on-us, or in-clearing checks. When something’s not quite right, you’ll know. Fast.

Check fraud is at an all-time high

With check fraud estimated to have exceeded $24 billion in 2023, this traditional payment method has been growing into a prime target for criminals².

Legacy defenses are falling short

Manual reviews and outdated tools miss today’s complex fraud, driving losses, inefficiencies, and eroding customer trust.

Operational friction is driving up false positive rates

Legacy check float and hold processes delay access to legitimate funds, frustrate customers, and strain already stretched fraud teams.

How ARIC™ for Check Fraud Can Help You

Self-learning, behavior-based AI analytics, combined with a 360-degree view of any relevant data point to understand behavior at a customer level so when something’s not adding up, you’ll know. Fast.

Transaction monitoring

Develop adaptive behavioral profiles of your customers to understand what genuine behavior looks like across deposits, on-us and in-clearing.

Forensic check imaging

Leverage advanced AI image analysis to perform signature, stock and style validation, either directly within the ARIC UI or via a direct link to an existing investigation UI.

A 360-degree view of any relevant data point

Evaluate all payment types across all channels to gain a holistic view of check risk that spots the slightest shifts in your customers’ behavior.

Powerful analytics

Leverages self-learning, behavior-based AI to build a deep understanding of each customer’s typical activity for accurate fraud detection.

Plug and play workflows

Enable plug and play workflows where the system orchestrates downstream actions within your payments ecosystem.

Why Choose Us

Protect against a broad range of check fraud

As check fraud rises, protect your organization against all types of check fraud from counterfeit checks to check washing

Improve your fraud detection

Analyze cross-channel and cross-payment activities to detect sophisticated fraud patterns and catch more fraud

Reduce customer friction

Enhance customer experience by increasing the speed of funds availability for your customers

Create a holistic view of your customers

Create a 360-degree view of your customers across all payment types

Enhance operational efficiencies

Leverage advanced analytics to enable differentiation between genuine and fraudulent behavior using the patented Adaptive Behavioral Analytics (ABA) technology

Reduce false positives

Leverage cross-channel risk scoring capabilities alongside real-time and batch decisioning to reduce false positives

ARIC™ for Check Fraud Protects Against Evolving Check Fraud Typologies

Check Washing

Identify suspicious alterations of signatures or payment amounts through image forensics powered by deep learning

Counterfeit Checks

Detect anomalies through check stock validation, including alterations to MICR numbers, payer name and address, or the memo line. Check image forensics marketplace enables choice of underlying imaging provider.

Check Kiting

Uses adaptive analytics to assess withdrawal and deposit activity, detecting potential check float exploitation.

Check Deposits

Singular, seamless integration allows for deposit monitoring across all channels. Adaptive behavioral profiles alert against suspicious value, velocity and withdrawal activity across deposits and other payment channels.

In-clearing Checks

ARIC's adaptive behavioral profiles allow for the easy identification of multiple fraud risk signals such as high dollar values, unusual check sequencing, or high check payment velocity.

Check Scams

Monitors both inbound and outbound payment activity to detect fraudulent transactions.