Solutions & Services

Risk Management

Just as you need to mitigate risk, your business clientele must do the same. Empower them with Account Reconciliation, Positive Pay and Stop Payments. These online banking applications offer full force flexibility, from customizable permissions and approval levels to controlled access. Above all, they offer peace of mind.

Account Reconciliation: Reconcile end user information against paid check information, identifying outstanding checks by serial number, issue date and dollar amount.

Positive Pay: Validate checks paid by the customer, matching those checks against the end user-issued check records.

Stop Payments: Give businesses online capability to stop check payment.

Benefits for your financial institution:

• Generate additional fee income
• Increase retention
• Attract more profitable commercial customers

Benefits for your business users:

• Combat the ever-growing billion-dollar risk of check fraud
• Eliminate time-consuming manual account reconciliation
• Extend greater control and flexibility

Go ID

Go ID is a token based Multifactor Authentication solution that strengthens security when moving money via Wire Transfer or ACH.

Token-based Multifactor Authentication protects against online fraud by providing an additional end user authentication ‘factor’ beyond the username and password. The solution was designed to provide peace of mind for commercial payments created by online banking users, while preserving the convenience and usability of your online banking channel. This token authentication service is being offered through a partnership between Digital Insight and RSA.

Benefits for your financial institution:

• Meet FFIEC guidance for stronger authentication
• Ensure robust protection against unauthorized access, even with stolen password credentials
• Limit your exposure to fraud
• Help protects against:
  • Phishing, pharming attacks
  • Dictionary attacks
  • Keystroke logging viruses
• Enable per customer for Wire Transfer, ACH or Tax Payments

Benefits for your business users:

• Provide peace of mind regarding online banking authentication
• Maintain ease of use – once tokens are activated, there is little difference in the initiation or approval process
• Provide convenience – use tokens anytime, on any computer

   

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