Validation & Protection
A unified, cross-platform control layer that helps clients safeguard payments, reduce risk and stay resilient
A unified, cross-platform control layer that helps clients safeguard payments, reduce risk and stay resilient
Our embedded ecosystem delivers multilayer defenses across global payment flows. AI-enabled anomaly detection, comprehensive validation services and secure operational controls combine to help protect revenue, reduce fraud and strengthen continuity.
Multi-Factor Authentication (MFA), real-time transaction monitoring, anomaly detection and rapid response are mapped to shifting risk.
Real-time alerts, configurable rules and pattern analysis deliver visibility and insight. APIs provide instant authentication and automated screening.
AI and open banking support safer payments across payment rails. Targeted controls are applied where risk is highest – including check protections.
BNY leverages advanced technology and a data-driven approach to offer customizable solutions.
Real-time account and payment validation, vendor authentication with payment risk scoring via BNY with Paymode®, and secure pay-by-bank payments with bank-sourced data via BankifySM secure payments.
Positive Pay & Positive Payee for check clearing, secure nationwide Lockbox with compliant processing and consolidated transmission and protected imaging help safeguard check payments.
Payment validation for ACH, ACH Debit Block, ACH Fraud Filter, tokenized payments with Zelle® and Bankify pay-by-bank solutions help strengthen ACH payment security.
Tracking, account and beneficiary validation, evolving AML/KYC compliance and Swift controls help make cross-border payments more secure and predictable.
Automated detection and proactive monitoring using real-time and historical data that analyzes transactional behavior help stop fraudulent payments.
Real-time verification of account ownership and routing/account details helps reduce returns and fees, support network compliance and simplify manual checks.
Transaction details are checked against the rules profile, helping to identify erroneous/unauthorized instructions, automate recalls, block unwanted ACH and manage rules/decisions.
BNY’s validation and protection controls help reduce exposure to financial loss, regulatory risk and reputational harm.
Automated verifications and fewer manual reviews help improve straight-through processing and operational efficiency.
Continuous monitoring, anomaly recognition and configurable rules help enable swift mitigation.
Cash management and decision-making are improved with protected, real-time multibank data via APIs/open banking.
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