Intervene in ACH and wire fraud before funds leave the bank
Cicrim connects customer, identity, device, account, payee, transaction, and operational signals to risk-based holds, trusted callbacks, interdiction, investigation, and defensible evidence.
Coordinate the moments that determine whether a payment is released
ACH and wire protection is fragmented when authentication, customer changes, payment risk, callback procedures, approval authority, holds, investigations, and recovery activity live in separate systems and queues. Cicrim helps banks make those dependencies visible in one governed operating flow.
The objective is not to stop every unusual payment. It is to identify material risk early, select a proportional action, give operators the evidence and authority to act, and retain a clear record of why the payment was released, held, rejected, or escalated.
Build protection across the payment lifecycle
Pre-initiation and authentication
Monitor recovery, entitlement, contact, device, session, account, and payee changes that alter the risk of a later payment.
Real-time decision and interdiction
Combine customer, account, payee, transaction, device, and channel context with risk-tiered allow, step-up, hold, review, and reject actions.
Trusted callback and review
Use independent contact sources, defined scripts, dual control, time-at-risk prioritization, escalation, and documented reviewer authority.
Investigation and recovery
Connect alerts, customer contact, payment status, related accounts, cases, recovery actions, losses, complaints, and control improvement.
Strengthen the complete fraud operating model
Fraud Detection
Combine real-time signals, explainable analytics, case workflows, and accountable customer protection.
BSA & AML Solutions
Improve monitoring, investigation, evidence, governance, and risk-based financial-crime operations.
AI-Powered Decisioning
Operationalize explainable models, policy guardrails, monitoring, and accountable human review.
AI Observability
Monitor model, data, decision, and operating performance with traceable evidence and response.
Regulatory Compliance
Connect obligations, controls, testing, evidence, issues, and accountable management reporting.
Start with the payment journey where time at risk is greatest
Cicrim can help baseline signals, decision rights, callbacks, holds, queue operations, integrations, evidence, and control measures, then sequence a practical first release around measurable intervention and customer outcomes.