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Positive Pay

• Shielding Your Business: Positive Pay Shields Business Checks from Check Fraud
  The continued popularity of paper checks is one reason check fraud is booming. Businesses use positive pay because it is the best method of fighting check fraud. (2008)
• Positive Pay - An Overview
  This is a very simple tutorial about Positive Pay and how to implement a Positive Pay program within your company. (2007)
• Selling Positive Pay to Your Bank's Corporate Clients
  This article from 2003 shows the benefits for bank clients when they implement Positive Pay. (2003)
• Preparing for Payee Positive Pay
  Verification of the check payee is the latest Positive Pay tool to help prevent check fraud. (2003)
• Winning the War Against Check Fraud
  The challenge of guarding against check fraud is not new. The most successful solution for monitoring and stopping check fraud is the implementation of Positive Pay. (2000)
• AP Technology's Release of SecurePay 6.0 Brings Full Web Automation to Positive Pay File Transmission

Secure Check Printing

• The Liability Shift Created by the UCC
  Check Fraud is now considered to be a shared liability between the bank and the client. (2006)
• Dawning of a New Era for Business Check Printing Security
  In an evolving payments landscape, organizations should be vigilant of the growing risks and actively taking steps to prevent check fraud. (2006)
• The Check 21 Legislation Impact
  Check Security Features and Positive Pay are Still the Strongest Methods for Preventing Check Fraud (2004)
• Check 21 and Digital Imaging
  Security measures used on an original check need to ensure the accurate replication into an electronic image. (2004)
• AP Technology Announces the Availability of the APSecure Official Check Issuance Portal (07/29/08)
• AP Technology Forms Partnership with Avionté Software (01/09/08)
• AP Technology Announces the Release of the SecureCheck-PRO MICR Check Printing Solution (08/29/06)

Check Fraud Prevention

• Sarbanes-Oxley Compliance: Laying Plans for Check Fraud Prevention Controls
  Sarbanes Oxley Section 404, "Management Assessment of Internal Controls," seems to be raising concern as to how exactly to comply. (2004)
• The Check Fraud Risk Assessment Survey
  This assessment identifies your organization's individual strengths and weaknesses in the many areas where you have exposure to check fraud and its consequences. (2003)
• The Check Fraud Battle - So Many Weapons, So Little Time
  Fortunately, the same technology that has made check fraud so much easier has paved the way for even better technologies for fraud prevention. (2000)
• Preventing Check Fraud - What You Can Do About It
  Your company needs to take basic steps to protect itself against the threat of check fraud. (2000)
• Fighting Corporate Check Fraud - A White Paper
  These days, anyone with access to a personal computer, a scanner and off-the-shelf software can create doctored checks that even a seasoned CFO would have trouble spotting. (2000)
• How to Win the Check Fraud Game
  U.S. companies need to take basic steps to protect themselves against the possibility of check fraud. This can be accomplished by instituting a combination of deterrents that significantly lower the risk of becoming a corporate check fraud victim. (2000)
• Check Fraud: A Guide to Avoiding Losses
  This article (from the US Treasury Department) describes some fraud schemes as well as present tactics for use in combating check fraud. (2000)

Banking Technology Trends

• Federal Reserve Board Plans Study of Check 21 Impact
  The Federal Board plans to conduct the survey assessing the impact of Check 21 in order to comply with requirements of the Act, but also to examine the post-Check 21 evolution of the check processing system and to determine whether reducing the hold periods in Regulation CC is necessary. (2006)
• Navigating A New Payments Landscape
  Although the exact nature and timing of Check 21's impact on future check fraud remains in question, it is clear that check truncation and check destruction are creating new opportunities for fraud. (2006)
• Banking Technology Trends
  This article highlights innovations and projects that are on the move, which could potentially shape technology trends in the financial sector. (2005)
• Defining the Landscape for the ACH Network
  NACHA's Strategic Plan Development (2005)

Secure, Automated Information Exchange

• A Roadmap: Developing a Cost-Effective Approach to Secure Data Exchange
  The 2005 FFIEC Guidance required banks to perform an IT risk assessment and implement a plan to solve any identified risks. (October 2007)
• White Paper: Securing Data Transmissions For Banking Now and Next Generation
  This paper will explore the primary methods of secure data transfer between banks and their corporate clients. (October 2006)
• Considerations in Secure Data and Information Exchange Protocols Between Banks and Corporations
  This article explains the primary methods of secure data transfer between banks and their corporate clients (TTY, FTP, S-HTTP), giving a general description, security requirements and the advantages and disadvantages of each protocol. (2006)
• Transporter Technology Ushers in Sunset for Modem Data Exchange
  You can stop using multiple data transfer protocols for the exchange and delivery of corporate client files, maximize the value of your investment in the corporate website, improve security and reduce expenses. (2006)
• Push Applications Make Timely and Relevant Financial Information Readily Available to Your Corporate Clients
  Push applications can automatically search for specific information tailored for the user and deliver it when and where the user chooses. (2006)
• Secure, Automated, Cost-Effective File Transfer Solutions
  (Product Solutions from AP Technology)
• The Weiland Financial Group Chooses AP Technology Transporter® Solution for Secure, Automated File Transfer and Receipt Option (05/21/08)
• AP Technology and Fundtech Form Partnership to Bring Automated, Real-Time Reporting Functionality to Cash Management (04/22/08)
• Bank of Oklahoma Financial to Offer Secure File Exchange in Alliance with AP Technology (05/16/06)
• AP Technology Forms Strategic Partnership with Keneisys Corp (05/08/06)

Strong Authentication and Validation

• Securing Online Identities:
  Next-Generation Considerations for Authentication and Client Protection
  The 2005 FFIEC Guidance required banks to perform an IT risk assessment and implement a plan to solve any identified risks. However, it did not require implementation of multi-factor authentication or any technology in particular. The non-specific nature of the initial guideline left a great deal to interpretation and may have caused some of the delays in reacting that were seen at many financial institutions. (2007)
• Something's Phishy
  Phishing is a type of online fraud aimed at stealing a person's identity - and it has taken hold of the banking industry. (2005)
• Eliminate the Phishing Threat
  (Product Solutions from AP Technology)
• AP Technology Announces Availability of Tri-Level Authentication^TM (06/25/08)
• AP Technology Forms Alliance with Cronto Limited to Secure the Future of Online Payments (08/29/07)

Links to Other Websites

• Association for Financial Professionals (AFP)
• Bank Systems and Technology Online
  -- Five Indicators Point to a Modest Year for Bank Technology
• Electronic Payments.org
  -- Individuals
  -- Businesses
  -- Financial Institutions
• Federal Reserve Financial Services
  -- Customer Communications
  -- FedFocus SM
  -- FedFlash ® , Operational News from the Federal Reserve Banks
  -- News from FedACH
  -- Press Releases
  -- Research
• Financial Services Technology Consortium
  -- Articles of interest
• NACHA - The Electronics Payment Association
• National Check Fraud Center
• United States Secret Service - Financial Crimes Division