TrueACH Behavioral Analysis

Overview

Behavioral Analysis establishes an account’s baseline transaction amount and transaction velocity patterns, then flags behavior that deviates from those baselines.

Behavioral Analysis is not available for originated transactions today. 

Statistics Calculation and Baseline

Behavioral Analysis statistics are calculated and recalculated each time a transaction is encountered for a given account.

For both transaction amount and transaction velocity, the system calculates three subsets of statistics:

• Overall — Calculated across all transactions, regardless of type (credit or debit). This represents the account’s full behavioral pattern.
• Credit — Calculated using only credit transactions (money coming into the account).
• Debit — Calculated using only debit transactions (money leaving the account).

Statistics on Query Response and Results Screens

The Behavioral Analysis statistics display in the following locations:

Query Response screen

Results Details screen

Suggested Recommended Action Setup

Clients can work with the AFS support team to configure recommended actions based on behavioral responses. Some suggestions include:

• Abnormal Transaction Amount Warning:
  • If Transaction Amount > Second Standard Deviation of Transaction Amount
    • Then set to Warning
• Abnormal Transaction Velocity Warning:
  • If Transaction Velocity > Second Standard Deviation of Daily Transactions
    • Then set to Warning

Historical Data Contribution

Clients can provide a historical backlog of incoming ACH files to build a behavioral baseline for their accounts.

Files can be sent to the Contributions folder within the AFS SFTP, and the Support team can assist in coordinating the transfer.