ACH. Fedwire. FedNow. Each rail operates under distinct settlement rules, reversal rights, and fraud exposure. RiskFlow™ is a detection and investigation system built to address all three simultaneously — with the audit trail and escalation controls that regulated institutions require.
US payment fraud losses reached $16.6 billion in 2024 — a 33% increase year-over-year and the highest figure recorded since IC3's inception in 2000.1 Business email compromise drove $2.77 billion of that total across 21,442 incidents, with wire transfers targeted in 63% of BEC cases — a 24-percentage-point increase from the prior year.2,3 FedNow, now live at 1,192 financial institutions, is introducing an irrevocable instant-payment channel for which fraud operations teams have no established detection or recovery framework.4
Existing detection systems were largely designed for a single rail or a single fraud typology. They were not designed for the cross-rail, multi-scenario fraud environment that mid-market banks, FinTech operators, and corporate treasury functions now face. RiskFlow™ addresses that gap through a layered architecture: ML risk scoring calibrated to US payment rail semantics, a three-agent AI investigation pipeline, human-in-the-loop escalation controls, and a complete audit trail — configured to each client's existing infrastructure without requiring platform migration.
US payment infrastructure was not designed as a unified network. ACH, Fedwire, and FedNow each operate under distinct regulatory regimes, settlement timing, and fraud characteristics. Detection platforms built for one rail leave the other two exposed.
30+ billion transactions annually. Same-day ACH capped at $1M per transaction. BEC actors exploit the batch settlement window to redirect payroll and vendor credits before errors surface. Return fraud increased 34% year-over-year in 2024.5 ACH credits were targeted in 50% of BEC incidents.3
60-day return window · low recovery in practiceReal-time gross settlement. Irrevocable from the moment of settlement. Wire transfers were the most-targeted BEC payment method in 2024, reported by 63% of organizations — a 24-point increase from 39% the prior year.3 A misdirected wire cannot be recalled unilaterally regardless of fraud cause.
Irrevocable · no reversal pathInstant, irrevocable, around the clock. Authorized Push Payment scams exploit the speed and finality that make FedNow valuable — victims authorize transfers under social engineering pressure with no dispute path. ACI Worldwide projects US APP fraud losses will reach $3.08 billion by 2028.6
Irrevocable · no dispute rights for APP scamsFraud detection at this level requires confidence in both domain understanding and engineering execution. The following credentials substantiate both — for the audience that will ask.
Built by a practitioner with corporate FP&A and financial strategy experience. The system was designed by someone who understands how payment fraud reaches the P&L, how it surfaces in audit committee discussions, and how a CFO's materiality judgment differs from a fraud analyst's risk score.
BEC wire diversion: FinCEN FIN-2019-A005. Structuring: 31 USC 5324. APP scams: CFPB Circular 2022-04. Synthetic identity: FinCEN FIN-2022-A001. Data distributions: Fed Payments Study 2022, NACHA 2024 fraud reports. No claim without a named primary source.
Each platform engagement is grounded in platform-native certification — not generic cloud familiarity.
Production-grade engineering standards applied throughout — resilient event handling, full observability, and model versioning. Every design decision is made to hold up under enterprise architect and regulatory review.
Every initial conversation is structured around your rail mix, your current fraud exposure profile, and your existing infrastructure. Platform selection follows from that analysis — not before it.
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