Check Fraud Prevention
Check fraud is surging, and increasingly sophisticated counterfeit techniques are creating high volumes of alerts for deposit operations and fraud teams. Detection systems can flag suspicious in-clearing or on-us checks, but teams still need customer context to know whether the check should be paid, returned, or investigated further.
The fastest way to resolve many check alerts is to ask the customer directly. But phone-based outreach is slow, inconsistent, and hard to scale, especially when alert volume spikes.
Refine automates high-velocity check RFIs through trusted digital customer engagement, helping teams resolve alerts faster, reduce manual effort, and prevent more check fraud without adding headcount.
Customer context is the missing signal.
Check fraud tools are good at flagging risk, but they often leave teams without the customer context needed to make a fast decision. Refine reaches out through bank-branded digital channels, captures the customer’s response, and delivers that context back to the bank so alerts can move from pending to resolved in minutes.
Customers can complete a check RFI in ~60 seconds
High customer response rates through multi-channel digital engagement
Reduce check fraud losses while lowering manual investigation effort
Benefits
- Works with any check fraud detection or core banking alert system
- Resolve in-clearing and on-us check alerts with high-velocity digital RFIs
- Reduce manual outreach for deposit ops, frontline, and fraud teams
- Let customers validate checks and provide context in minutes
- Expand alert-handling capacity instantly during spikes in check fraud
- Tailor RFI playbooks to your bank’s risk policies, workflows, and customer segments
- Build an audit-ready record of customer responses and resolution decisions
How It Works
A suspicious check alert is triggered by the bank’s existing detection system.
Refine launches the appropriate digital RFI playbook for the check scenario.
The customer receives a trusted, bank-branded message through digital channels.
The customer validates the check or provides context if it is not legitimate.
Refine returns the response and audit trail to the bank portal.
The check is paid, returned, escalated, or investigated further based on bank-defined rules.
