The Challenge:

UNIFY Financial Credit Union, headquartered in California, uses Advanced Fraud Solutions’ TrueACH and TrueChecks to strengthen its defense against ACH and check fraud. New threats were emerging. UNIFY turned to AFS to keep ahead.

Before implementing AFS tools, UNIFY managed fraud with a mix of internal controls and alert sources. Reviewing transactions often meant sifting through logs and contacting members directly, which was effective, but time-consuming and resource heavy.

 

The Solution:

UNIFY implemented both TrueACH and TrueChecks Batch to enhance fraud mitigation. TrueACH became essential for validating external transfers, while TrueChecks offered an added layer of defense to existing check controls.

With customizable alerts and on-demand query capabilities, UNIFY improved both speed and accuracy in fraud investigations. Together, the tools gave investigators faster access to the data they needed and helped sharpen fraud response which ultimately serves its account holders and protects the FI’s reputation.

 

The Results:

The tools made day-to-day work easier. The team moved faster, spent less time on manual reviews, and caught potential issues earlier without adding extra steps for members.

When UNIFY brought in AFS tools, the credit union:

  • Saved around 20 hours each month across the fraud team
  • Verified external accounts faster, without extra steps for members
  • Flagged activity tied to deposit fraud and account takeovers
  • Reduced the need for manual reviews and outreach
  • Improved audit readiness with access to historical queries

“TrueChecks provides a customizable alert system to notify the institution of suspicious check deposits in a timely manner to prevent deposit fraud losses. TrueACH provides external account verification prior to processing an external transfer, enabling our institution to streamline external transfers while mitigating fraudulent ACH transactions.”

—Angel Carter, Operational Risk Manager, UNIFY Financial Credit Union

 

This isn’t just about stopping fraud for UNIFY and its members. It’s about reducing operational drag, cutting member disruptions, and protecting more dollars in less time. Advanced Fraud Solutions helps fraud teams act fast, focus on real threats, and deliver clear audit trails when it matters most.

 

Photo of UNIFY Financial Credit Union