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DEPOSITS & PAYMENTS

Deposits & Payments Operations

Account onboarding, daily exception queues, and every payment rail you operate run on one intelligent operating layer, with
decision authority retained by your team.

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THE CHALLENGE

Fragmented Payment Rails and
Manual Onboarding Are
Constraining Deposit
Operations

Wires, ACH, real-time payments and cards are typically operated as separate businesses, each with its own queue and reconciliation process, while onboarding is delayed by pending KYC checks and manual funding verification. The operational result is slower NSF and overdraft decisions, ACH return backlogs, and disputes that remain open beyond regulatory response windows.

Anaptyss improves throughput within your existing infrastructure. No core system replacement is required.

OUR SOLUTION

A Single Operating Layer Across
Onboarding, Exceptions and payments

We document how accounts and transactions move through your systems, including the manual steps that sit outside the documented process. AI handles document intake, data entry, routing, and first-pass exception triage. Your specialists retain the decisions that require judgment, with full visibility into every step the automation performs.

Explore Our AI Solutions

WHAT WE DO

What We Do

  • Account Opening,
    Start to Finish

    From document collection through identity verification to account activation in your core system, operated as one continuous workflow rather than a sequence of departmental handoffs.

  • KYC, AML, and Ongoing
    Due Diligence

    Watchlist screening, sanctions checks, and risk profiling built into the onboarding workflow, so compliance verification does not become a queue the application waits behind.

  • Straight-Through
    Data Entry

    Verified customer and funding data is posted to your core deposits platform without manual re-keying, which removes the most common source of onboarding error.

  • Daily Exception
    Management

    NSF and overdraft decisioning, returned ACH items, Reg CC hold and funds availability exceptions, stop payments, Positive Pay decisions, returned deposit items, and dormant account and escheatment tracking, triaged as they arrive rather than batched for later review.

  • Unified Payments
    Processing

    Wires, ACH, mass payments, real-time rails, and high-value transfers are processed through a single control point rather than separate vertical pipelines, so routing and liquidity decisions are made on a complete view of activity.

  • Dispute and
    Chargeback Resolution

    Transaction data is retrieved as soon as a dispute is raised, reason codes are applied against card network rules and Regulation E requirements, and evidence is compiled and submitted within network and regulatory timelines.

  • Card Risk and
    Compliance Operations

    Transaction-level risk scoring, tokenization, and the cryptography and monitoring controls required under PCI DSS 4.0, applied across the payment lifecycle rather than at authorization alone.

  • Digital Channel and
    Wallet Enablement

    Mobile wallet provisioning, open banking data-sharing obligations, and emerging settlement rails including deposit tokens and stablecoin settlement bridges, supported alongside existing fiat infrastructure.

OUR APPROACH

Our Approach

  • Delivered Through Digital Knowledge
    Operations™

    We do not apply a standard team structure to your workflows. We first establish your product rules, exception codes, and escalation paths, then build the operating model around what we find.

  • Automation Applied Where Volume
    Concentrates

    Document classification, data extraction, transaction routing, and reconciliation are handled by accelerators built for these workflows, not by general-purpose automation adapted to them.

  • Your Systems Set the Terms

    Your core banking platform, payments hub, card processor, and rail connections define how we operate. Specialists are trained and certified on your configuration before they work on a live account or transaction.

  • Decision Authority Remains With You

    Compliance determinations, dispute outcomes, and funding decisions remain with your team. We operate everything around the decision, including verification, documentation, and the audit trail.

  • Continuity Across the Full Workflow

    The team that opens an account also manages the activity that follows it, including exceptions, disputes, and customer follow-up. That continuity holds turnaround times stable through volume peaks.

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AI ACCELERATORS

Purpose-Built AI for the Volume
Behind Deposits and Payments

Each accelerator is deployed where manual effort concentrates and integrates with the
platforms you already operate.

  • Unified dispute operations across card, ACH, and ATM rails in one AI-guided workflow covering intake, classification, rail identification, routing, investigation, and resolution, with Regulation E and Regulation Z deadline tracking built in. Operates alongside your existing dispute platform and deploys on premise or in private cloud.

  • Tests and documents control effectiveness across PCI DSS 4.0, Regulation E, Regulation CC, and Nacha requirements, with reviewer sign-off at each step and a complete audit trail.

  • Converts unstructured onboarding documentation into structured, workflow-ready data at intake, and applies the same extraction to exception and dispute documentation as it surfaces downstream.

  • Trains onboarding, exception, and payment operations staff on your product rules and compliance requirements before they are deployed to live accounts.

  • Runs sanctions and watchlist screening, KYC risk profiling, and alert investigation across onboarding, ongoing due diligence, and payment screening.

Explore All AI Accelerators

BUSINESS IMPACT

Measurable Gains Across
Onboarding, Exceptions and
Payments

  • Faster Time to
    Revenue on New
    Accounts

    Document intake and verification stop acting as the constraint on activation, and the cycle from application submission to a funded, active account shortens materially.

  • Reduced Exposure
    Across Exception
    Queues

    NSF/OD reviews, ACH returns, and hold exceptions are triaged as they arrive rather than batched for later, keeping regulatory response windows and turnaround times under control.

  • Lower Cost Per
    Dispute Resolved

    Automated triage and evidence submission remove the dependency between chargeback resolution volumes and analyst availability week to week.

  • A Single,
    Consolidated View
    Across Rails

    Wires, ACH, real-time payments, and cards are operated as one function rather than four, with a single view of liquidity and risk exposure

OUTCOMES

Measurable
Outcomes

Where the Efficiency Actually Shows Up

Read the Client Success Stories
  • 50%

    Reduction in first response time for a US-based payments FinTech through an AI-enabled customer servicing platform.

  • 20%

    Cost savings for a US-based regional bank through transformed treasury management operations covering payment disputes, Positive Pay, and Remote Deposit Capture.

  • 100%

    Accurate and current reconciliation reporting for a US-based community bank through real-time transaction monitoring.

  • 45%

    Reduction in operating costs for a US-based regional community bank through an AI-powered reconciliation suite and end-to-end transaction management.

INSIGHTS

Related Insights

Ready to Take Control of Your
Deposits & Payments Operations?

Identify where manual work, fragmented workflows, and exception backlogs are slowing your operation. Anaptyss helps you streamline onboarding,
automate high-volume payment operations, and resolve exceptions faster—while your team retains control over every critical decision.

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