Financial institutions need to be able to capture deposits remotely, monitor deposit processing, prevent check fraud, mitigate risk in the deposit stream – all while ensuring they meet FFIEC guidelines and regulatory requirements. These controls are particularly important today given higher levels of mobile capture and increasing consumer demand for remote deposit capture (RDC) solutions.
The NetCapture™ Suite offers remote deposit capture with advanced risk mitigation and a high level of control for financial institutions.
Using the NetCapture Suite central processing platform, banks are able to select the remote deposit check truncation and capture modules that best match their clients’ needs. D+H provides a range of capture clients that encompass commercial, consumer and mobile deposits. Banks can also configure risk mitigation and fraud prevention controls to further tailor the solution to their specific requirements.
D+H offers flexible deployment options for the NetCapture Suite: in-house or service bureau implementation with optionally outsourced services.
The NetCapture Suite is a secure, scalable, and manageable RDC solution that includes the risk management, user and system management, deposit review and reporting tools needed to manage centrally all aspects of deployment. The suite also offers a range of capture clients to align with specific RDC strategies.
Capture solutions for receivables include the provision of a client to support check and coupon capture, with .CSV output or integrated plugins with QuickBooks.
Configurable risk rules allow risk profiles to be easily assigned to groups, organizations or even individual users. Systematic quality tests and usability scores against specified thresholds ensure that items deposited meet and exceed the requirements of the financial institution. The system may be managed from a single, centralized platform that includes the risk mitigation tools and comprehensive reporting needed to ensure FFIEC and regulatory compliance. D+H monitors systems and requirements on an ongoing basis to ensure its solutions and customers keep abreast of industry changes.
If all check data and images are captured and routed to a single platform, with a central database, it is much more efficient for banks to manage check capture and clearing in that one place. The bank has an administrative portal to enable them to oversee and manage all organization and users; item and deposit reports for all capture points; a single archive for all captured items; centralized security and compliance controls. This means fewer staff are needed for check clearing processes. The system enables banks to eliminate redundant hardware, software and the data center components necessary for multi-vendor solutions - so further increasing efficiency.
The growing demand for check truncation and deposit solutions increases opportunities to realize higher levels of fee income. NetCapture Mobile can be integrated with an existing mobile app while NetCapture Mobile Express may be customized for a targeted customer segment. D+H's NetCapture mobile solutions ensure that all financial institutions can offer mobile RDC to attract new customer segments or enhance services for their existing customer base.