The AFS integration provides Linker with real-time fraud scoring for positive pay, check, ACH, and wire transactions, enabling earlier fraud detection.

LOS ANGELES, Sept. 29, 2025 /PRNewswire/ -- Linker Finance, a modular platform purpose-built for community banks, today announced a strategic partnership with Advanced Fraud Solutions (AFS) to integrate consortium-powered fraud intelligence into its business banking solution. The collaboration brings AFS's real-time scoring into commercial onboarding, funding and payments workflows, including positive pay, check processing, ACH and wire transactions, enabling earlier detection and automated blocking of suspicious activity while reducing fraud losses, false positives and manual review.

"Combining Linker's Business Banking capabilities with AFS's consortium intelligence transforms how community banks combat payment fraud. With AFS real-time scoring applied to positive pay, check processing, ACH and wire transactions, banks gain faster threat detection, automated blocking and fewer false positives, which reduces the manual review burden on bankers and lets them focus on customer relationships while strengthening protection for depositors," said Jorge Garcia, CEO and Co-Founder of Linker Finance."

"A coordinated, consortium approach is the most effective way to stay ahead of evolving fraud tactics," said Jordan Bothwell, Chief Partnership Officer at Advanced Fraud Solutions. "Working with Linker Finance lets us embed next-gen Positive Pay directly into modern onboarding and digital banking experiences, helping institutions stop fraud before it hits their bottom line."

Advanced Fraud Solutions' consortium-powered database aggregates account-level fraud signals from thousands of financial institutions and third-party sources, providing the broad threat visibility necessary to prevent check, ACH and business account fraud before losses occur. Advanced Fraud Solutions More than 1,000 financial institutions rely on AFS's solutions to detect and block deposit fraud in real time. Advanced Fraud Solutions AFS's suite includes proven offerings such as TrueChecks and TrueACH for check and ACH fraud prevention and account validation. Advanced Fraud Solutions

What this partnership delivers

• Real-time fraud checks during deposit account opening and funding flows, reducing fraud-related losses and false positives.
• Consortium intelligence fed into Linker's onboarding workflows to flag suspicious accounts and transactions earlier.
• A combined solution that streamlines risk decisioning for bankers while preserving a seamless applicant experience for customers.
• Faster operational response and reduced manual reviews, improving efficiency for back-office teams.

"Protecting depositors and preventing losses is table stakes for community banks," said Jorge Garcia, Founder and CEO of Linker Finance. "Integrating AFS's consortium intelligence into our commercial banking offering delivers clearer signals and faster decisions at onboarding and funding, helping banks stop fraud sooner and preserve customer trust."

"A coordinated, consortium approach is the most effective way to stay ahead of evolving fraud tactics," said a spokesperson for Advanced Fraud Solutions. "Working with Linker Finance lets us embed proven fraud prevention directly into modern onboarding and digital banking experiences, helping institutions stop fraud before it hits their bottom line." Advanced Fraud Solutions

About Linker Finance
Linker Finance is a modular platform that helps community banks grow deposits, streamline business onboarding and launch modern financial products without requiring a core conversion. Core offerings include deposit account opening, unified mobile and online experiences for retail and commercial customers, CRM tools and payment processing capabilities. For more information, visit https://www.linkerfinance.com.

About Advanced Fraud Solutions
 Advanced Fraud Solutions is a leader in deposit and payments fraud prevention, using consortium-based intelligence and real-time detection to stop check, ACH and wire fraud. The company's products include TrueChecks, TrueACH, TrueWire and Positive Pay by AFS, and its consortium database is trusted by thousands of financial institutions nationwide. Advanced Fraud Solutions

Media contacts
Linker Finance
contact@linkerfinance.com
Advanced Fraud Solutions
press@advancedfraudsolutions.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/linker-finance-partners-with-advanced-fraud-solutions-to-strengthen-deposit-fraud-prevention-for-community-banks-302568890.html

SOURCE Linker Finance