Banks say preventing fraud is top spending priority—How RembrandtAi® is Leading the Charge
In 2025, banks are making fraud prevention their top investment priority, according to research by American Banker. Rising fraud incidents—especially check fraud—have compelled financial institutions to increase spending on AI-driven security solutions.
The Check Fraud Surge
Suspicious Activity Reports (SARs) related to check fraud have nearly doubled between 2021 and 2023, according to the FBI’s Internet Crime Complaint Center (IC3). Nearly 46% of banking executives identify check fraud as their top concern for 2025, surpassing even real-time payment fraud (34%).
This issue is particularly severe for community banks, with 64% citing check fraud as a major risk. Fraudsters exploit banking regulations that require funds availability within two days, often cashing out before fraudulent checks are identified.
How RembrandtAi® is Solving the Fraud Crisis
Most fraud prevention solutions rely on AI-driven detection models, but RembrandtAi® offers a real-time, adaptive fraud detection system that outperforms traditional methods.
Key Features of RembrandtAi® in Fraud Prevention
- Instant Anomaly Detection – Identifies fraudulent transactions before funds are released.
- AI-Powered Check Fraud Monitoring – Uses image forensics and behavioral analysis to flag altered or counterfeit checks.
- Machine Learning Risk Models – Continuously updates based on evolving fraud patterns, detecting even sophisticated financial crime rings.
- Automated Risk Scoring – Prioritizes high-risk transactions, allowing financial institutions to take proactive measures.
- Regulatory Compliance & FedNow-Ready – Helps banks meet new compliance requirements, including real-time payment security standards.
Banks leveraging RembrandtAi® have seen a 90% reduction in fraud losses, particularly in check fraud and real-time payment fraud.
Financial Crime Rings & AI’s Role
A report from Alloy shows that 71% of fraud events are linked to organized crime rings. Fraud executives warn that economic uncertainty and low barriers to entry for check fraud have made it easier for criminals to expand operations.
Fraud Tactics Include:
- Check Washing & Counterfeiting – Altering stolen checks.
- Money Mule Networks – Criminals depositing fraudulent checks on behalf of fraud rings.
- Fake Check Scams – Victims unknowingly deposit fraudulent checks and are held liable.
With RembrandtAi®, banks gain a real-time fraud intelligence network to detect and disrupt these criminal activities before losses occur.
AI Adoption Barriers & The Future
Despite AI’s effectiveness in fraud detection, 46% of banks cite budget constraints as the main barrier to adoption. However, the cost of fraud continues to far outweigh the investment in AI-based security.
The question isn’t whether to adopt AI—it’s whether banks can afford not to.
As financial fraud evolves, RembrandtAi® is setting the new standard for real-time, AI-driven fraud prevention. Banks investing in adaptive AI security will stay ahead of fraudsters while safeguarding their customers.
Learn more about RembrandtAi® and how it can protect your institution from fraud: RembrandtAi.com
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