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Fraud detection and transaction monitoring

Automatically monitors all member transactions in real-time to detect suspicious activity and fraud patterns, triggering immediate alerts and protective actions to safeguard member accounts and credit union assets.

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Workflow Trigger

Member transaction is initiated through any channel (ATM, debit card, online banking, mobile app, or in-branch)

Visual Flow

Each node represents an automated step. Connections show how data and decisions move through the workflow.

Step-by-Step Breakdown

Detailed explanation of each automated stage in the workflow.

  1. 1
    Trigger

    Transaction Event Captured

    A member transaction is detected and captured from the core banking system. Transaction details including amount, location, merchant, and member behavior patterns are extracted for analysis.

    CU*BASEFLEX
  2. 2
    Action

    Real-time Risk Scoring

    The transaction is analyzed against member's historical patterns, velocity rules, and fraud algorithms to generate a risk score. Geographic, temporal, and behavioral anomalies are evaluated.

    GalaxyEpisys
  3. 3
    Decision

    Risk Threshold Assessment

    The calculated risk score is compared against predefined thresholds to determine if the transaction should be approved, flagged for review, or blocked immediately.

    Corelation KeyStone
  4. 4
    Action

    Member Authentication Request

    For medium-risk transactions, an automated verification request is sent to the member via SMS, email, or mobile app push notification. Member response is captured and validated.

    SharetecCU*BASE
  5. 5
    Action

    Fraud Alert Generation

    High-risk transactions trigger immediate fraud alerts to the credit union's fraud team and potentially law enforcement. Member accounts may be temporarily restricted pending investigation.

    FLEXGalaxy
  6. 6
    Action

    Case Documentation Creation

    All fraud detection events are automatically documented with transaction details, risk factors, and actions taken. Compliance reports are generated for regulatory requirements.

    EpisysCorelation KeyStone
  7. 7
    Output

    Member Protection Report

    A comprehensive summary of protective actions taken is generated including transaction status, member notifications sent, and any account restrictions applied.

    SharetecCU*BASE

Outputs

  • Transaction approval or denial decision
  • Fraud alert notifications to staff and members
  • Compliance documentation and case files
  • Account protection status updates

Key Metrics

  • False positive rate
  • Fraud detection accuracy percentage
  • Average response time to suspicious transactions
  • Member satisfaction with security measures

Tools & Integrations

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