Where Behavioral Data
Becomes Business-Ready Decisions
One platform to predict fraud, retain deposits, and grow account relationships, powered by behavioral machine learning built for every deposit account.
What VALID can do for your institution
InstantFUNDS
Drives customer-elected fee revenue while delivering choice and transparency on every check deposit.
Customers can choose instant, good funds and VALID covers the risk.
CheckDetect
Scores every check deposit in real time across teller, ATM, and mobile.
Reduces fraud loss and false positives with a single solution.
VALID Intelligence Platform
Reads behavioral signals across your portfolio to drive account growth and reduce attrition.
Synchronizes Product, Fraud, and Ops around portfolio growth with a single platform.
Advanced decisioning to unlock growth, simplify operations, and reduce risk
Behavioral intelligence, using patterns across accounts and transactions to understand risk and value beyond individual events.
Real-time decisioning, turning those signals into scores that can inform automated action as activity happens.
Risk protection, identifying fraud before it happens with high accuracy.
From millions of accounts to trillions of dollars
Million
accounts decisioned
$ Trillion
dollars processed annually
$ Billion
in deposits guaranteed monthly
$ Million
fraud deposits alerted by CheckDetect
Works with the systems you already use
VALID integrates seamlessly into your existing data and security workflows. We work closely with industry-leading technology and distribution partners to bring VALID’s decision intelligence into established enterprise environments. Implementation takes about three to four months, depending on the institution, data access, and deployment scope.
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Fits existing fraud and deposit workflows
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Supports enterprise data environments and established operating teams
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Scopes implementation around the institution rather than a one-size-fits-all launch
Partner relationships
Proven results across a range of institutions
58% reduction in mobile review rate.
A super-regional bank with approximately $30B in assets reduced its mobile review rate from 13.4% to 5.7%. Its loss rate improved 51% over the same period.
85% decrease in check deposit losses.
A mobile-deposit client saw an 87% decrease in check deposit losses within months of going live with CheckDetect.
What VALID customers say
“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
FAQ
What does VALID Systems do?
VALID helps financial institutions turn behavioral and transaction data into real-time decisions across check fraud, deposit availability, and customer growth and retention.
Who is VALID built for?
VALID is designed for banks, credit unions, and fintechs whose risk, fraud, deposit operations, and portfolio teams need better decisions without building a comparable decisioning capability in-house.
Does VALID replace our existing systems?
The products are designed to strengthen existing strategies and workflows. The exact data, integration, and operating model depend on the product and institution.
How long does implementation take?
Implementation takes approximately three to four months, depending on scope, data readiness, and the institution’s environment.
Which transactions does VALID's loss-absorption model cover?
The loss-absorption model applies to covered InstantFUNDS transactions. CheckDetect identifies risk; the institution determines the action it takes in response.
See what VALID finds in your deposit data
Share a recent sample of check deposits and outcomes. We’ll identify missed fraud, unnecessary reviews, and opportunities to give eligible customers faster access to their funds.