Author: Laurie Anderson

Why Coverage Is the Currency of Trust in Payments

In the world of payments, trust isn’t just about compliance or credentials—it’s about coverage. The ability to see more, know more, and act faster across a wide range of financial institutions and account types is what separates reactive risk management from proactive decisioning. And in today’s environment, coverage is currency.   The Challenge: Rich Data […]

Nacha’s 2026 Fraud Monitoring Rule Changes: What They Mean and How ValidiFI Helps You Stay Compliant

The holidays are here—lights are twinkling, cookies are baking, and compliance deadlines are… looming? While you’re prepping for gift exchanges, Nacha is prepping for March 2026. Financial institutions (FIs), payment processors, and businesses handling ACH transactions have a big item on their to-do list: implementing risk-based fraud monitoring for all ACH transactions. Think of this […]

Introducing the ValidiFI Product Newsletter

We’re excited to launch our new product newsletter, designed to keep you informed, inspired, and ahead of the curve. Each edition will feature product updates, use cases, industry insights, and practical tips to help you get more value from our solutions.  Whether you’re exploring new capabilities or looking to optimize performance, this newsletter is your […]

Is Your Consumer Credit Risk Strategy Creating Friction and Abandonment?

Are you seeing high consumer drop-off when you ask for bank account information during onboarding? Are you missing out on qualified leads because consumers hesitate to share sensitive financial data? Are you finding that innovation stalls early in your waterfall—especially when bank account and routing number products come later? If you answered “yes” to any […]

Q2 Report Finds High-Risk Accounts Fail Up to 4X More Often

This Quarter’s Report Reveals Critical Need for Advanced Account Verification and Authentication as Real-Time Payments Increase Fraud Risk ALPHARETTA, Ga., September 25, 2025—ValidiFI, Inc., the leading provider of predictive bank account and payment intelligence, today released its Q2 2025 Bank Account and Payment Intelligence Report, “Real-time payments, real-time risk: Smarter account views for faster payments,” […]

How Predictive Intelligence Transforms Account Verification for a Leading Consumer Finance Firm

In 2024, U.S. businesses reported $12.5 billion in fraud losses, up from $10 billion the prior year—a 25% year-over-year increase, according to The Silicon Review. As fraud risk continues to escalate across digital channels, a leading financial service provider of private-label credit cards, savings and personal loan products recognized the urgent need for a smarter, more predictive approach to […]

Baltimore’s $800K Fraud Incident: A Wake-Up Call for Smarter Account Validation

In early 2024, the City of Baltimore lost more than $800,000 in a vendor payment fraud scheme that exploited gaps in identity verification and banking authentication. The fraudster impersonated a legitimate vendor, submitted fake banking details, and successfully redirected two large payments—$803,384.44 and $721,236.60—to their own account. How It Happened A fake supplier form was […]

Don’t Just Check the Box—ValidiFI It.

Beyond the Checkbox: Turning Nacha Compliance into Opportunity When it comes to compliance, it’s easy to treat requirements like Nacha’s Fraud Monitoring Rules as just another box to check. But what if compliance could be more than a mandate—what if it could be a strategic advantage? At ValidiFI, we believe it can. As a Nacha Preferred Partner, […]

Know the Account, Know the Consumer: The Hidden Value of Validation

When most people think of account validation, they think of a simple yes or no: Is this account open? Is it able to transact? But the truth is, account validation can tell you much more than just account status—it can tell you who you’re really doing business with. At ValidiFI, we believe that knowing the account is knowing the […]

Think Nacha Doesn’t Apply to You? Think Again. The 2026 WEB Debit Rule Impacts Everyone

If your business initiates ACH payments—especially debits, to a consumer’s or business’s bank account—then Nacha’s fraud monitoring requirements as part of the new 2026 WEB Debit Rule applies to you. Even if you think you’re exempt, it’s time to think again. The need for the new rule arises from the increasing prevalence of fraud in […]