Check Fraud Defender | Mitek

Check Fraud Defender

REAL-TIME, DAY-ZERO FRAUD DETECTION

Patented imaging science, machine learning, and AI combine with cross-institutional consortium intelligence to analyze both the front and back of the check; providing a more holistic view of risk, and allowing institutions to detect check fraud in real-time, reduce losses, and build customer trust.

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Check fraud losses continue to rise.

Strengthen check fraud detection with real-time decisioning, advanced check intelligence, consortium data, and compromised fraud signals.

Real-time, day-zero decisioning

Detect suspicious checks before transactions post while reducing unnecessary holds on legitimate deposits.

Check fraud is rapidly increasing.

AI & advanced computer vision

Analyze both the front and back of the check using patented imaging science, AI, and computer vision to surface additional attributes, anomalies, and risk signals.

Robust consortium data

Coverage of over 95% of U.S. financial institutions strengthens detection of “on-us” and “in-transit” fraud through shared intelligence.

All-channel coverage

For mobile, in-branch, and ATM to eliminate channel-specific vulnerabilities.

Detect fraud immediately

With the mobile deposit leader, preventing fraud in real-time, in session, and before funds are released.

Check fraud is rapidly increasing.

Compromised data detection signals

Combine compromised fraud intelligence to detect scams faster.

Minimal integration required

For fast, secure deployment that complements existing systems.

Check fraud is rapidly increasing.

Customer-first experience

With fewer holds and faster access to funds, driving satisfaction and trust.

See more on every check

CFD analyzes the back of the check for abnormalities and suspicious characteristics that can indicate potential fraud.

Strengthen fraud defense through a secure, cloud-hosted consortium.

Mitek’s secure, cross-institutional data consortium is a collaborative network with coverage of over 95% of U.S. financial institutions that share critical fraud intelligence. When check fraud is detected, that information is added to this shared network, creating a collective source of truth that grows stronger as more banks adopt the technology.

Real-time intelligence for faster fraud decisions.

Cut review times in half

With access to broader check and consortium intelligence, CFD analyzes and scores check attributes in real-time, helping reduce manual review while giving fraud teams greater context to make faster, more informed decisions.

Detect fraud in session

Real-time business rules enable you to immediately flag suspicious transactions and prevent fraud before it causes significant damage. This enables institutions to respond to suspicious activity while the transaction is still in progress.

Access exclusive intelligence

Mitek’s partnerships provide direct access to real-time intelligence from criminal forums, marketplaces, and monitored channels where fraudsters discuss and execute check fraud schemes. This unique intelligence fuels more effective fraud detection.

Reduce review times by over 50% with MiControl™

As part of Mitek’s Check Fraud Defender platform, the MiControl Fraud Management Console improves back-office efficiencies with a comprehensive dashboard featuring proprietary visualizations to quickly detect, analyze, and stop incoming check fraud.

With adaptive real-time business rules, actionable insights, and clear visual overlays, MiControl supports day zero analysis and decisioning of suspicious checks. Its intuitive interface simplifies single and multi-item reviews, escalations, and queue management.

MiControl gives analysts the intelligence and visual context needed to investigate suspicious checks and make decisions faster.

Why financial institutions trust Check Fraud Defender

Go beyond positive pay

Boost customer confidence

Reduce financial losses

Detect fraud faster

Your secret weapon against check fraud.

Check Fraud Defender is a secure, collaborative consortium that strengthens your existing fraud prevention and management solutions. Participating financial institutions leverage Check Fraud Defender’s computer vision and AI to reduce fraud losses. By intelligently analyzing 24 distinct check attributes and comparing results to check profiles within our data consortium, Check Fraud Defender creates a shared truth network that helps improve the accuracy of scoring and enables real-time decisioning.

Check Fraud Defender also uses proprietary compromised fraud signals to extract data from stolen checks, account screens, and identification documents sold on criminal channels to provide alerts of potentially compromised accounts.

Positive Pay Plus for commercial check fraud

Positive Pay Plus enhances traditional Positive Pay by detecting check fraud earlier—before funds move—without adding operational complexity.

It integrates seamlessly with existing workflows and leverages current issue files, enabling financial institutions to strengthen fraud controls without disruption.

By validating payee, amount, date, and check number against presented checks, Positive Pay Plus identifies stale, duplicate, and out-of-range items in real-time—accelerating decisions and reducing losses before settlement.

With streamlined exception handling and managed work queues, teams can work more efficiently while improving consistency and the customer experience.

A better customer experience.

Your customers trust your financial institution to protect their accounts without creating unnecessary friction. Check Fraud Defender uses advanced AI and computer vision to thoroughly examine both the front and back of the check, providing a high degree of assurance when identifying suspicious transactions, yet allowing legitimate deposits to move through the system with greater speed and confidence. Check Fraud Defender can detect forgeries often missed by other fraud tools or not detected until much later in the check clearing process, like forged signatures, legal and courtesy amounts, and recipient name. With terminal status feedback from all participating financial institutions, Check Fraud Defender flags future check deposits tied to stolen and fraudulent checks, at-risk account data, and duplicate deposits.

Your key to back-office efficiency.

Through proprietary visual inspection modeling, Check Fraud Defender helps decrease your operational costs without disrupting your current fraud prevention workflows. The platform itself requires very little integration effort, and your team can easily filter alerts and set business rules. This allows your institution to focus on the fraud that matters and helps your fraud teams to quickly triage flagged deposits and make decisions based on a high degree of available information, all through one centralized management console.

MINIMIZE FALSE POSITIVES

A visual-based system inspects more document attributes, so fewer checks are flagged for review, resulting in reduced false positives.

ACCELERATE REVIEWS

Actionable insights and opacity overlays help reviewers validate checks faster and more efficiently.

DECREASE OPERATIONAL COSTS

Proprietary visual inspection modeling helps reduce manual reviews by providing automated, accurate check fraud detection.

Frequently Asked Questions

What is Check Fraud Defender?

Check Fraud Defender is an advanced check fraud detection solution that combines AI-enabled image inspection, business rules, and cross-institutional consortium data to identify suspicious checks in real-time. By analyzing intelligence from both the front and back of the check, CFD provides financial institutions with greater context to detect fraud, accelerate investigations, and make more informed fraud decisions.

How does Check Fraud Defender detect fraud?

Check Fraud Defender uses advanced AI and computer vision to analyze dozens of check attributes and risk signals from both the front and back of the check. It then compares that analysis against profiles and intelligence from its cross-institutional consortium. This combination of check and consortium intelligence helps strengthen fraud detection and enables real-time decisioning.

What are the benefits of using Check Fraud Defender?

How does Check Fraud Defender integrate with existing systems?

The platform requires minimal integration effort and is designed to complement your current fraud prevention workflows. It offers customizable alerts and real-time business rules, enabling your team to efficiently triage flagged deposits and make informed decisions using a centralized management console.

What types of checks can Check Fraud Defender analyze?

Check Fraud Defender can analyze checks from all channels, including mobile deposits, in-branch transactions, and ATMs. Its advanced image analysis evaluates information from both the front and back of the check, providing additional signals to support fraud detection.

How does the consortium model enhance fraud detection?

By participating in the Check Fraud Defender consortium, financial institutions contribute to and benefit from a shared network of check profiles and fraud data. This collaborative approach yields higher detection rates and accelerated review times, as analysts can compare multiple check attributes against a secure, cloud-hosted environment that utilizes end-to-end encryption and ISO 27001 certified security protocols.

Can Check Fraud Defender detect counterfeit Treasury checks?

Yes, Mitek has integrated enhanced artificial intelligence analytics into Check Fraud Defender to detect anomalies specific to U.S. Treasury checks. The solution verifies attributes such as date of issuance and routing number, providing real-time, day-zero protection against counterfeit Treasury checks.

How can my institution get started with Check Fraud Defender?

Mitek offers personalized demos of how Check Fraud Defender can be implemented in your current fraud detection process. Contact Mitek to see and learn more about integrating Check Fraud Defender into your institution's fraud prevention strategy.