Product Differentiation

Some of the differentiators associated with the JMFA FraudMANAGER® solution are:

  • Targets Paper-based & ACH/Debit Card Transactions: One of the key elements of our solution is the analysis of all transactions, regardless if they are received in paper or electronic form. With the introduction of many new check conversion payment alternatives, such as POP, ARC, and RCK, it is essential that a system examine all types of payments received from external sources.
  • Design Model: JMFA FraudMANAGER® changes traditional payment review and approval from being exception-based to a preprocessing authentication model. The result is that identified fraudulent transactions can be returned within the 24-hour returns deadline in most cases, which allows the institution to avoid the loss.
  • Proactive Monitoring: The security analysis intelligence takes a radically different approach to the authorization and approval of payments using a variety of advanced detection methods down to the account level. The result is that the transaction review does not assume a payment is valid or authorized, but will validate its qualifications against multiple security parameters and authentications.
  • Flexible Configuration: Depending on the needs and desires of the institution, the JMFA FraudMANAGER® System can be installed either in-house or in a data-center (hosted) model.
  • Core Independent: Since the system uses copies of transactions files from the Inclearings, Federal Reserve, and ACH systems, these standardized input sources make the system core independent. However, if a full image-processing solution is desired, the system does interface with most check imaging solutions.
  • Ease of Use: JMFA FraudMANAGER® is designed from the ground up to be easy for your employees to use. The browser-based system requires no special end-user software and emphasizes intelligent evaluation of items on the day of presentment.

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