Community banks face rising fraud, tighter regulations, and zero runway for multi-year vendor implementations. BankerDetect is built for your timeline and your budget.
The regulatory and fraud landscape has shifted. Legacy solutions haven't caught up.
As of March 2026, every financial institution originating WEB debits must maintain a fraud detection system that screens for fraudulent transactions. Spreadsheets and legacy rules don't meet the standard. Your BSA program does — but your tooling doesn't.
Examiners are moving away from counting SARs filed. The new lens is whether your program actually detects crime. Institutions that can demonstrate detection logic, alert quality, and investigator outcomes will pass. Those relying on volume metrics won't.
Synthetic identity fraud and AI-generated deepfakes aren't enterprise problems anymore. Fraudsters are specifically targeting community banks that lack real-time behavioral detection. Rule-based thresholds built in 2015 have no answer for 2026 attack patterns.
No multi-year implementation. No dedicated IT project. No vendor consultants camping in your building. Three steps, two weeks.
Secure API integration with your core processor — Fiserv, Jack Henry, FIS, or CSI. We've built the connectors. Your IT team reviews a standard data agreement and approves the feed.
Days 1–4We load your institution's transaction history to calibrate baselines. You choose which fraud rule sets to activate. Your BSA officer reviews the alert thresholds and signs off before go-live.
Days 5–10Real-time transaction monitoring goes live. Your investigators get a clean alert queue, risk-scored cases, and AI-drafted SAR narratives. The system learns your institution's patterns from day one.
Day 14Annual contracts. Includes integration, onboarding, and unlimited investigator seats.
A BankerDetect BSA specialist will follow up within one business day to schedule a live walk-through tailored to your institution.