Why Early Detection Matters
Fraud detection has traditionally been reactive—catching problems only after funds move. AMP CheckShield shifts fraud management earlier in the lifecycle by embedding intelligence into the image exchange process itself. That means fewer write-offs, faster resolutions, and better protection for your customers and institution.
AMP’s decades of experience in Image Cash Letter (ICL) processing, X9 compliance, and image validation ensure that CheckShield is not an experiment—it’s an evolution of proven technology designed to meet today’s fraud challenges.
Catch altered and counterfeit checks automatically, before deposit or clearing.
Speed up manual review through automated risk scoring and intelligent prioritization.
Integrate effortlessly with existing AMP systems.
Gain measurable reduction in fraud losses and exception processing costs.
Deploy rapidly, from proof-of-concept to production.
What Sets CheckShield Apart
AI-Driven Image Forensics
Detects alterations and wash evidence through pixel-level analysis of the payee name, amount box, and signature area, comparing image attributes against expected check templates.
Duplicate and MICR Validation
Identifies repeat presentments and inconsistencies in routing, account, and serial number data, helping institutions prevent double-deposit and counterfeit attempts.
Integrated Fraud Risk Scoring
Returns clear indicators such as IsFraudSuspect and FraudRiskScore (0–100) to help teams quickly triage items and set automated rules for rejection or escalation.
Seamless API Integration
Built to work with existing AMP Verify, AMP ICL, and X9 RPC environments—delivering real-time fraud analysis through the same APIs already trusted in production.
A Smarter Defense Against Modern Check Fraud
Check fraud remains one of the costliest and fastest-growing financial crimes, with incidents increasing across corporate and consumer channels. Counterfeit, washed, and altered checks continue to slip through even the most diligent check processing systems—often because traditional validation stops at data matching, not image-level verification.
AMP CheckShield adds a new layer of defense. Built on AMP’s proven check image and data processing technologies, CheckShield combines AI-based image forensics and field-level data verification to detect anomalies invisible to standard validation methods.
THE RESULTS
Faster identification of suspicious items
Faster, more focused reviews
Measurable fraud loss reduction
Inside the CheckShield Process
CAPTURE
The check image and MICR data are captured during your normal processing flow—no extra step required.
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ANALYZE
AMP CheckShield applies image forensics, field validation, and Positive Pay cross-checks to detect irregularities.
SCORE AND FLAG
Items that exceed your fraud risk threshold are returned with both a fraud score and descriptive flags for review, automation, or rejection.
RETURN RESULT
Fraud scores and descriptive indicators are returned instantly through the same API connection—enabling automated decisioning and streamlined exception handling.
CheckShield operates as a complementary layer within existing deposit or clearing systems, returning validated results directly into current workflows. This seamless integration allows institutions to strengthen fraud controls, accelerate resolutions, and reduce manual intervention—all without disrupting compliance processes or operational continuity.