Real time

  1. Machine learning

  2. Decision science

  3. Problem solving

Put our real time machine learning capabilities to work to for you, turning current business risk into rewarding experiences for your customers

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Small company, big performance

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Unique Features Used within our Risk Decisions

At VALID, we don’t sell you a technology.
We help you execute your strategy.
This is how:

We teach your data how to properly train
Top performing models are like the bodies of athletes. It’s all in what you feed it and how they are trained that matters when the lights are brightest. The right data being fed in real time ensures fraudulent behavior is identified the moment it is presented, not after an event.
We harness the power of your data to drive business success
Our technology plays second to none, but it takes a skilled driver to get across the finish line first. Our Decision & Data Science teams are the brains behind the engine and are enabled by the tireless efforts of our Technology group.
We wrap our brains around your problems
We wake up each morning passionate about solving our client’s problems. We crave the opportunity to come through for our clients, innovating around issues and thinking on the fly. We leverage our expertise and flexibility in order to help you execute against the objective.

We are not Big FinTech, we are Better FinTech

Our clients work with us because they enjoy working with us. We embrace opportunities, execute with precision, and create enduring solutions for our clients unique needs.


The real competitive advantage of any business comes down to one factor, people.

Our technology is cutting edge, but our people make us special. The VALID Advantage starts with hiring the right talent and empowering them with the best tools. We believe in personal accountability, no punch clocks here.

With a generous vacation policy, incredible health care with no premiums, and flexible work from home scheduling, we take care of our employees so they can take good care of our clients.


Get to market fast, execute flawlessly. We are the nimble partner our clients rely on to solve financial risk problems.


Very few things in banking cost more in losses and expense to a bank while creating a more frustrating customer experience than the check deposit. We offer solutions that flip this equation, allowing institutions to increase automation, manage losses, and develop new client-elected fee revenue streams.

Personal Lending

Whether small dollar lending or strengthening credit decisions, we believe that transactional behavior is a powerful tool. Let us show you how together we can drive credit inclusion while managing risk.


Having cashed, accelerated, and risk decisioned over $200B in checks, we have established ourselves as a leader in the check space. The check is not dead, and neither is check innovation. Put our advances in check decisioning to work at your organization.

Data Analytics

Peer into the future of portfolio performance with VALID’s data analytics and portfolio scoring tools. Account attrition, Financial Health measurements, and predictive scoring unlock the keys to your data to deliver profitable value to your customers.

Let us guide you through!

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