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Real-time account takeover protection for financial institutions

Account takeover (ATO) attacks are rising, and most legacy systems are too slow or siloed to catch them in time. VALID combines device behavior and transaction context to detect suspicious activity at the moment a check is deposited, no matter the channel.

 

 

VALID Systems partners with 8 of the top 25 financial institutions and is trusted by industry leaders

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Why choose VALID for account takeover protection?

See why banks trust VALID to stop unauthorized access before it compromises customer accounts or leads to check fraud.

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Behavioral protection for every transaction

VALID analyzes device behavior and depositor activity in real time to detect signs of compromised accounts. By monitoring login patterns, session behavior, IP mismatches, and check data anomalies, we stop takeovers before funds are lost.

  • Real-time anomaly detection
  • Check deposit monitoring across ATM, mobile & branch
  • Early warning signals for suspicious account access

From new device fingerprints to unusual access locations, VALID automatically flags the signs most legacy tools miss.

Context-aware intelligence that goes beyond the check

Unlike tools that focus on check images alone, VALID combines depositor behavior with transaction-level insights to detect if an account may have been compromised—whether the fraudster is depositing stolen checks or manipulating account data.

  • Cross-checks user behavior and transaction metadata
  • Flags first-time or inconsistent account usage
  • MICR and routing anomalies combined with account behavioral context

By fusing data from the check, the device, and the user, VALID enables banks to act confidently and instantly, reducing fraud losses and unnecessary holds.

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Integrated protection without customer friction

VALID is deployed directly into your check deposit workflows without disrupting the customer experience. Whether it’s a mobile check submission or an in-branch ATM, VALID runs silently in the background—identifying threats before they escalate.

  • Channel-agnostic protection
  • Works across your existing mobile, ATM, or branch infrastructure
  • Customizable fraud thresholds by risk level
  • Alert triaging to minimize the fraud team's burden

VALID vs. legacy account takeover detection tools

See how VALID check fraud detection compares with other account takeover protection solutions.

Feature VALID Systems Legacy Systems
Real-time fraud decisioning
Yes
Delayed or batch-based
MICR and serial number analysis
Advanced cross-checking
Basic validation only
Machine learning + behavioral analytics
ML-powered
Rule-based only
Channel-agnostic detection
All deposit sources
Limited to specific channels
Fraud score triaging
Severity scoring built in
Manual queue review
False positive rate
< 0.5% alerts
High manual review burden
Fraud capture rate
>95%
Often misses advanced forgeries

Stay ahead of ATO fraud with smart automation

VALID’s approach to account takeover protection helps you move from reactive cleanup to proactive defense. With AI-powered alerts and automated scoring, you can prioritize high-risk activity while avoiding unnecessary delays for legitimate users.

  • Reduce operational review time by up to 75%
  • Stop compromised accounts before check fraud occurs
  • Combine check data with user behavior for a complete fraud context
  • Build customer trust with transparent, instant protection

WHAT CUSTOMERS SAY

"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
KeyBank

"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
Deluxe, Digital Payments

Account takeover protection that works where it matters most

Stop account takeovers before they start—with behavioral signals and check intelligence in one powerful system.

Frequently Asked Questions

How does VALID detect account takeovers?

VALID combines device fingerprinting, account behavioral context, check deposit monitoring, and transaction patterns to detect unusual account activity before a check is even accepted.

Does VALID work across mobile and ATM channels?

Yes. VALID is channel-agnostic and protects all check submission points, including ATM, mobile deposit, and teller systems.

Can we customize the alert thresholds?

Absolutely. Our platform allows you to set fraud detection rules based on your institution’s risk appetite and operational workflows.

What kind of alerts does VALID generate?

Alerts are triaged by severity scores, and only the top 0.5% of transactions are typically flagged, dramatically reducing review workload.

Is this part of VALID’s RTLA solution?

Yes. ATO protection is embedded within our Real-Time Loss Avoidance engine, delivering holistic, context-aware fraud prevention.