Purpose-built for community banks and credit unions. Not an enterprise product with a community bank tier. Not a black-box algorithm you can't explain to examiners. Real detection, real compliance, 2-week deployment.
Current solutions target enterprise institutions with dedicated IT teams, 12-week implementations, and six-figure budgets. Community banks need something fundamentally different.
ACH, wire, check, and synthetic identity fraud are all up. Attackers specifically target community banks with understaffed BSA teams.
Most community banks have one or two BSA officers managing compliance with legacy tools, spreadsheets, and alert queues built for a smaller transaction volume.
As of June 22, 2026, all originating financial institutions must have a fraud detection system for Return Reason Code R10/R29 fraud detection on WEB debits.
Examiners now evaluate program effectiveness, not just SAR volume. A documented detection methodology with alert quality metrics replaces spreadsheet logging.
Not a black-box score. Not a dashboard you'll need training to use. A system your BSA officer set up in week one and runs every day.
Every alert ties back to a specific, configurable rule. Your BSA officer sees exactly why the system flagged a transaction — not a score they have to reverse-engineer.
ACH · Wire · CheckRules are owned by your institution, not baked into a vendor's proprietary model. You configure thresholds, conditions, and risk weights. Changes are auditable.
Configurable · AuditableBuilt-in compliance assessment maps to Nacha Rule 3.14 and SEC codes. The examiner question checklist is embedded — not an add-on.
Compliance · Phase 2FIS, Jack Henry, and Fiserv adapters are pre-built and tested. Your IT team reviews a standard data agreement — no custom integration work required.
FIS · Jack Henry · FiservFull tenant-level data isolation. No cross-tenant data leakage, ever. Every query is scoped to the authenticated tenant — architecture enforced, not policy.
Security · IsolationAlert queue, investigation notes, status workflow, and examiner-ready audit trail. Designed for a BSA officer who opens it daily — not a data scientist.
Daily · ExaminableThe incumbents weren't built for institutions under $10B in assets. Here's what that means in practice.
| BankerDetect | Verafin | NICE Actimize | Unit21 | |
|---|---|---|---|---|
| Deployment timeline | 2 weeks | 12–16 weeks | 6+ months | 8–12 weeks |
| Pricing transparency | Published tiers | Custom quote only | Custom quote only | Custom quote only |
| Community bank pricing | $30K/yr tier | Enterprise only | Enterprise only | $100K+ typically |
| Rule explainability | Full config + audit | Partial | Black-box ML | Black-box ML |
| Nacha Phase 2 tooling | Built-in assessment | Add-on | No | No |
| Core processor adapters | FIS · Jack Henry · Fiserv | Partial | Custom | Custom |
| No RFP required | Direct contract | RFP typical | RFP required | Sometimes |
Annual contracts. Includes integration, onboarding, and unlimited investigator seats.
Our free Nacha compliance assessment takes 5 minutes. It tells you where your institution stands against Phase 2 requirements — and what gaps to close before June 22.