Fraud Detective

Fraud Detective’s Day 1 and real-time detection capabilities enable financial institutions to prevent fraudulent payments from posting, thereby protecting the financial institution, its customers, and its exchange partners. The solution combines early detection capabilities, proven fraud controls, user-driven business rules, advanced image analytic technologies, and payment processing integration to provide a solution that accurately identifies fraud, while keeping “false positives” to a minimum.

Multi-Channel Fraud Detection – Fraud Detective® accommodates fraud processing for multiple payment channels. Regardless of whether the source is traditional check, ACH, RDC, or mobile capture, Fraud Detective intercepts fraud suspects early in the payment stream and facilitates resolution prior to posting.

Real-time Inquiry – Fraud Detective further accelerates detection at the teller line by providing real-time inquiry for on-us items.

Proven Fraud Controls, Transaction Monitoring, and Behavioral Analytics – Fraud Detective combines fraud indicators and historical transaction data with behavioral analytics to identify suspect transactions. Unusual account activities–such as those typically associated with kiting, account takeover, and other fraudulent activities–are detected and routed for further decisioning.

Image Analytics – CONIX leverages its early detection capabilities with innovative image analytics, including check stock validation and signature verification, to provide more accurate identification of high-probability suspects.

Cross-Bank Inquiry – Fraud Detective’s Cross-Bank Inquiry™ (CBI™) option enables financial institutions to inquire on each other’s Fraud Detective systems to identify suspects before presenting the items for payment. This enables the presenting bank to avoid the loss by either placing a hold on the depositor’s account for the amount of the item or refusing the deposit instead of waiting for the return from the owning bank.

Mainframe-Based Fraud Product Elimination – Fraud Detective assists institutions with the evolution of migrating from mainframe-based fraud products. In addition, it accelerates these capabilities into a pre-post environment for earlier detection and resolution.

Learn more key advantages shared by all Detective Suite™ solutions.


  • Protects your bank’s reputation and customer relationships
  • Lowers loss-adjustment expenses
  • Eliminates the support cost of legacy mainframe fraud systems
  • Provides compliance with regulatory guidelines
  • Decreases fraud losses
  • Improves risk management with consolidated fraud and duplicate review