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Catch more check fraud.
Review Less. Guaranteed.

Using advanced tools and machine learning technologies, we offer proactive solutions to emerging fraud trends in real time. Our priority is safeguarding your institution's financial integrity while providing a flawless customer experience. 

 

 

Trusted by top financial institutions

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Why our clients choose VALID

87%

Reduction in loss rates

450M

Accounts decisioned

74%

Reduction in manual review time

$4T

Deposit dollars processed annually

$5.8B

Deposit dollars guaranteed monthly for instant availability

$600M

In fraud deposit dollars alerted by CheckDetect

Innovative risk management & fraud prevention

Our decision platform evolves with the aggregation of data, delivering a dynamic and tailored defense, specifically designed to address the unique patterns and risks associated with your operations.

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Remove the friction created by fraud while increasing CX

At VALID, we stop fraud so you can deliver
best-in-class customer experiences. From
driving client-elected fee revenue with
InstantFUNDS to reducing unnecessary check
holds with Check Detect, we’re the trusted
partner top FIs rely on for frictionless fraud
mitigation.

  • Frictionless customer experience
  • Reduce risk, increase mobile migration
  • Opt-in fee revenue
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Predict threats before they happen

Check fraud continues rising, costing financial institutions billions of dollars annually. VALID’s real-time fraud decisioning platform combines payer data, depositor behavior, and the relationship between the two. We don’t just detect fraud – we predict it.

  • ML-powered risk decisioning
  • Catch more fraud with fewer alerts
  • Real-time transaction scoring

Solutions we offer

CheckDetect

Stop check fraud before it happens

CheckDetect uses AI-powered analysis to identify and block fraudulent checks the moment they’re deposited. With real-time decisioning, it prevents over 75% of potential charge-offs before they occur - reducing losses, protecting customers, and ensuring a seamless banking experience.

InstantFUNDS

Faster funds. Lower risk. More trust.

InstantFUNDS enables sub-second deposit decisions, giving customers immediate access to their funds without increasing fraud exposure. By accelerating up to 99% of deposit approvals while guaranteeing covered losses, it improves customer satisfaction and opens new revenue opportunities.

CheckDetect - Inclearing

Fraud prevention - built into the clearing process.

Check Inclearing leverages advanced machine learning to detect fraudulent items during the clearing cycle. It minimizes false positives, reduces operational review times, and ensures only safe transactions are processed, keeping your institution efficient and compliant.

Edge Data Consortium

Smarter fraud defense through shared intelligence.

Edge connects participating institutions in a secure, AI-powered fraud prevention network. By pooling data across banks and credit unions, it identifies fraudulent activity patterns earlier-catching threats like counterfeit checks, account opening fraud, and loan application scams before they escalate.

VALID Insights Portal

Actionable intelligence through data

Uncover actionable insights and identify trends in real-time through intuitive dashboards powered by behavioral analytics. Manage workflows, increase efficiencies, and leverage predictive ML decisioning to predict what’s coming next.

Financial Health Score

Understand your customers’ true financial wellness. VALID’s Financial Health Score uses behavior-driven analytics to measure financial health in real time, enabling you to tailor products, reduce risk, and demonstrate customer value with clarity.

  • "Our partners at VALID Systems are always quick to provide us with any information we needed, and their responsiveness and professionalism really help us to be successful. They are flexible and accommodating, never hesitating to provide the support we need, when we need it."
    Project Manager
    Top 10 FI
  • "VALID Systems has been an outstanding partner. From inception to post-production, the team was incredibly attentive, accommodating and dependable. The passion for their solutions shines through, making it a pleasure to work with them. With VALID’s help we've been able to expand our services and deliver improved experiences to our clients."
    Megan Dunn
  • "At Deluxe, we believe in transforming business and VALID is a partner that helps us do just that. VALID Systems is at the core of our purpose, deepening customer relationships through trusted technology-enabled solutions. They are a trusted risk partner that enables innovation and continues to deliver."
    Sarah Farrow

Use cases

1. Counterfeit Check Detection

Detect forged checks using inconsistencies, mismatched fields, and bank-specific templates. Cross-reference serial numbers, issuing bank patterns, and MICR data anomalies.

2. Fee Revenue Driver

Meet customer needs while driving opt-in fee revenue through accelerated good funds

3. Account Takeover via Check Fraud

Offer customers immediate access to funds with VALID’s Instant Funds, while maintaining full fraud safeguards using real-time scoring and analytics.

4. Remote Deposit Capture (RDC) Fraud

Identify duplicate deposits across channels (e.g., mobile, ATM, in-branch) by analyzing check metadata, deposit timestamps, and historical behavior.

5. Mobile Deposit Migration

Drive mobile migration of check deposits by offering instant funds availability.

6. Check Kiting & Float Exploitation

Identify coordinated check movements between linked accounts designed to exploit float time. Use cross-account velocity, time delays, and money movement graphs.

7. Real-Time Fraud Scoring & Decisioning

Assign risk scores to each check transaction in real time using behavioral, transactional, and payer-payee network data. Route and triage transactions dynamically (approve, review, decline) based on score thresholds.

8. Cross-Channel Check Fraud Detection

Correlate activities across mobile, in-branch, ATM, and online banking environments to identify synthetic behavior and distributed fraud.

9. Adaptive Learning Against Emerging Fraud Patterns

Leverage semi-supervised ML models that evolve with emerging check fraud tactics, reducing dependence on static rules.

Get Started with VALID’s Fraud Prevention Platform

VALID is built to protect your institution from evolving fraud trends, helping you create frictionless customer experiences through automation and sophistication.

FAQ

What does VALID Systems do?

What does VALID Systems do?

VALID delivers real-time fraud detection and instant funds availability solutions for check deposits—helping financial institutions reduce losses and improve customer experience.

Who do you work with?

What is CheckDetect?

What is InstantFUNDS?

How is VALID different from other fraud vendors?

Can we try it before we buy?

How long does it take to go live?