How Banks Are Outsmarting Fraud Without Owning the Tech Stack

Friday at 4:37 PM 

Another fraud alert comes in just as your team is logging off. Mobile check fraud. Again. The routine kicks in:  

• Pull the report. 

• Send the batch to manual review. 

• Chase the branch for images. 

• Cross your fingers you catch it before the funds clear… 

Your fraud lead sighs, “If we had anything real-time, I might actually get home before dinner.” 
 
It is a familiar cycle for mid-sized banks. You are fighting fast, sophisticated fraud with old systems and a short-staffed team. The tech wishlist keeps growing. So do the losses. 

A Simple Shift 

Picture this: 

•  A check is deposited via mobile. 

•  Machine learning scores it instantly. 

•  High risk? The system places a hold on the spot. 

• Fewer than 0.5% of items flagged, yet 87% of fraud caught… 

No handoffs. No delays. Just smart risk decisions, in real time… 

That’s what Valid Systems’ Real Time Loss Alerts deliver—fraud prevention that works with what you’ve already got. 

The People Behind the Pain 

If you’re running operations, risk, or technology at your institution, you know this isn't just about fraud. It’s about your people, your brand, and your bottom line… 

• Analysts are swamped. 

• Review queues are overflowing. 

• Regulators are asking more questions. 

• Leadership wants better outcomes 

Valid works with banks from $2B to $20B in assets to deliver exactly that. Lower fraud. Fewer false positives. More automation. 

What It Looks Like in Real Life 

• A chiropractor deposits 15 small checks in one day. InstantFunds ensures everything clears—no bounce, no disruption. 

• A farmer deposits $5,000 via mobile. RTLA flags the item instantly. Funds are held before fraud can hit. 

• A top-10 FI sees ATM losses drop by 73% in six months with RTLA live. 

These aren’t pilots. These are real results from banks who decided to work smarter, not harder. 

No Stack Required 

You don’t need to own a complex tech stack to stop fraud effectively. You need a partner who:  

• Integrates with your current systems 

• Scores in real time 

• Supports your compliance  

• And most importantly—stops fraud before it ever hits your books. 

You’ve managed enough fire drills. Let’s talk about prevention that fits your world. 

 Book a 15 Minute Meeting Here