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Fraud Mitigation

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Yellow Hammer EFT Fraud Detective™


EFT fraud detection and prevention

Yellow Hammer EFT Fraud Detective uses industry-leading fraud expertise and proprietary technology to automatically monitor near-real-time ATM, point-of-sale (POS), and merchant debit card transactions. This system observes card activity to identify suspicious activities based on violations of established rules and transaction, card, and terminal abnormalities.

Transaction abnormalities are based on merchants, abnormal geographic location, and the number of EFT transactions. Card verification abnormalities are based on card expiration, number, and activation. ATM/POS terminal abnormalities are based on abnormal location or user. Yellow Hammer EFT Fraud Detective rates the risk associated with each abnormality and generates immediate alerts when warranted.

This solution integrates with Symitar and third-party online authorization and ATM processing solutions and is fully integrated with the Episys core processing platform.

Core compatibility: Episys®

What It Does

  • Monitors near-real-time ATM, POS, and merchant debit card pre-authorizations and identifies suspicious activities.
  • Assesses average debit card activity based on violations of established rules and on the basis of transaction, card, and terminal abnormalities.
  • Determines transaction abnormalities based on merchants, abnormal geographic location, and number of EFT transactions.
  • Assesses card verification abnormalities based on card expiration, number, and activation.
  • Determines ATM/POS terminal abnormalities based on abnormal location or user.
  • Rates the risk associated with each abnormality and generates alerts.
  • Integrates with Symitar and third-party online authorization and ATM processing solutions.
  • Offers full integration with Symitar’s Episys core processing platform.

What It Does For You

  • Protects credit unions by identifying and preventing EFT-related fraud before it occurs.
  • Expedites the resolution of fraud related issues.
  • Safeguards credit union and member assets.
  • Prevents the financial and reputational losses associated with EFT fraud.
  • Helps ensure compliance with related regulatory requirements.
  • Enables proactive responses to emerging fraud challenges.
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2016
Jack Henry & Associates, Inc. ®