Premium Products / Personal Service

Suspicious Activity Monitor

SAM is our premier fraud detection system. It monitors all of your customer transactions for unusual activity and highlights those that are most likely unauthorized.


SAM uses historical data to establish behavior modeling. Bottom line: a customer’s past activity is the best indicator for their future activity. Once you know what to expect, it’s easier to identify suspicious transactions.

    • Our behavior modeling for ACH transaction includes:

          • The daily monitoring of incoming and outgoing ACH transactions.

          • The daily monitoring of IATs, for both suspicious amounts and OFAC compliance.

          • SAM alerts you to potential corporate account takeovers (CATOs).

          • The system alerts you when customers are dealing with Bitcoin and other digital currencies.

            • This is very important when dealing with state laws protecting older customers.

          • SAM keeps track of returned ACH transactions and highlights unauthorized debits.

          • The system helps you determine your off-balance sheet risk for ACH originators.

          • It reports government benefit payments that may be posted illegally.

    • SAM offers easy-to-use check fraud detection:

          • The system monitors for duplicate presentment of the same check. (This type of fraud is  especially prevalent with mobile banking.)

          • The system also monitors for checks with amounts and/or numbers outside of an expected range. 

    • The system also has “all-items” monitoring abilities:

          • SAM warns you when large debits appear to be presented against uncollected funds.

          • The system advises you when it detects a customer who is kiting.

          • It warns you when customers have 90+ days between transactions (a frequent indicator of elder abuse or theft from an estate.)


  • It’s a fact of life: the less you look at, the more you see. SAM’s behavior modeling greatly reduces false-positive results.

  • SAM automates the Enhanced Due Diligence function, documents why customers are considered high-risk and simplifies the monitoring of high-risk accounts.

  • The system works seamlessly with all transactions.

  • Each installation provides 6 hours of training, so the software fits well into your team’s compliance workflow.

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Check Our References

We provide the best customer service in the industry–just ask our customers. Please contact us for a reference list.