Linker Finance Partners with Advanced Fraud Solutions to Deliver Next-Gen Positive Pay for Community Banks

Linker Finance, a modular platform purpose-built for community banks is partnering with Advanced Fraud Solutions to integrate next-gen Positive Pay into its business banking solution. The collaboration brings AFS’s real-time scoring into commercial onboarding, funding, and payment workflows. It adds positive pay with check, payee match, and ACH protection—enabling earlier detection and fewer fraud losses, false positives, and manual reviews.

Positive Pay remains one of the most ironclad tools for preventing fraud, and for high-value business accounts it delivers a trusted layer of protection.

Jordan Bothwell, Chief Partnership Officer at Advanced Fraud Solutions

Advanced Fraud Solutions’ consortium-powered database aggregates account-level fraud signals from thousands of financial institutions and third-party sources, providing the broad threat visibility necessary to prevent check, ACH and business account fraud before losses occur. Advanced Fraud Solutions More than 1,200 financial institutions rely on AFS’s solutions to detect and prevent deposit fraud at the point of presentment. Advanced Fraud Solutions AFS’s suite includes proven offerings such as TrueChecks and TrueACH for check and ACH fraud prevention and account validation.

Protecting depositors and preventing losses is table stakes for community banks, said Jorge Garcia, Founder and CEO of Linker Finance. By integrating AFS’s consortium intelligence into our deposit account opening and digital channels, we’re giving banks better visibility and faster decisioning where it matters most: during onboarding and funding.

What this partnership delivers

• Real-time exception monitoring for checks and ACH, using issue file matching and rules-based controls to stop fraud before losses occur.
• AI-powered payee match adds an extra layer of protection, detecting altered or counterfeit checks that traditional systems miss.
• Integrated check and ACH analysis flags suspicious transactions earlier, giving institutions more time to act.
• A unified, next-gen Positive Pay platform that reduces risk workload while maintaining a smooth experience for treasury clients.
• Faster operational response and reduced manual reviews, improving efficiency for back-office teams.

A coordinated, consortium approach is the most effective way to stay ahead of evolving fraud tactics. Working with Linker Finance lets us embed next-gen Positive Pay directly into modern onboarding and digital banking experiences, helping institutions stop fraud before it hits their bottom line.

Jordan Bothwell, Chief Partnership Officer at AFS

About Linker Finance
Linker Finance is a modular platform that helps community banks grow deposits, streamline business onboarding and launch modern financial products without requiring a core conversion. Core offerings include deposit account opening, unified mobile and online experiences for retail and commercial customers, CRM tools and payment processing capabilities.

About Advanced Fraud Solutions
Advanced Fraud Solutions is a leader in deposit and payments fraud prevention, using consortium-based intelligence and real-time detection to stop check, ACH and wire fraud. The company’s portfolio of products includes TrueChecks, TrueACH, TrueWire and Positive Pay by AFS, and its consortium database is trusted by thousands of financial institutions nationwide.