Nivelo

Nivelo has presented 1 V-Sum technical briefing. Nivelo presents real-time ACH risk detection for payroll processors, ACH originators, and third-party senders. Instead of waiting the usual four-to-five-day ACH settlement window to find out a payment has failed, Nivelo's single API scores each debit and credit at the moment of origination — sub-second — combining identity, account, device, and behavioral signals into a machine-learned expected-loss score. The demo walks through a payroll processor flow (think ADP or Gusto) catching impersonation fraud at origination, triggering a real-time phone verification with the employee, and then exposing full score explainability in Nivelo's developer dashboard so ops teams can tune against false positives without a black-box model. Because Nivelo plugs in before the ACH batch file is built, it can act on richer payload data — payer/payee relationship, portal behavior, last account change — that the ACH network itself never sees.

Topics: Payments, Compliance & Regulation