Risk Detective

Risk Detective™ mitigates the risk associated with mobile capture, RDC, and other payment services by providing real-time rating of customer eligibility using transaction analysis. Risk Detective provides financial institutions with information that helps them determine what types of services to offer their customers and what limitations to impose on the use of those services. The product also provides ongoing monitoring of the customers’ transactions and reports any changes in their clients’ ratings. This enables financial institutions to modify the availability of services accordingly.

Real-Time Evaluation of the Client Relationship – Risk Detective collects and analyzes risk factors for all deposit accounts associated with each of your institution’s customers. To provide the most accurate assessment possible, Risk Detective takes both historical and same-day activity across payment channels into consideration in computing eligibility ratings. Risk assessments are available immediately upon inquiries from other systems and via Risk Detective’s web-based user interface.

Unique Evaluation Criteria for Each Product Offering – Different payment products carry different patterns of behavior as well as varied risks. Risk factors that apply to one product may be irrelevant for another. Risk Detective enables financial institutions to create unique risk calculations for each of its product offerings.

User-Defined Risk Scoring – Risk Detective enables financial institutions to specify the factors to consider when rating the eligibility of a client for a specific product or service. Possible risk factors include such information as:

  • Account status information
  • Transaction history and same-day transaction activity
  • Risk Events

Inquiry & Reporting – Risk scoring is performed in response to API inquiries from other systems, such as teller, online banking, or account management systems. In addition, risk scores can be requested via the system’s web-based user interface. On-demand reports of changes in risk scores are also provided. A built-in audit trail is a standard feature of all CONIX solutions.

Learn more key advantages shared by all Detective Suite solutions.


    Reduced costs
    Enhanced regulatory compliance
    Risk mitigation
    Enhanced client selection
    Competitive advantage
    Reputation protection