SecurLOCK Fraud Detection Solution

Fraud is an ever-growing concern, and KANZA Bank has taken steps toward providing a state-of-the-art fraud detection/prevention solution, SecurLOCK. It is free, and all debit card customers are automatically enrolled. Our Fraud Alert Management service adds a layer of protection from possible account fraud by detecting debit card fraud quickly and accurately, minimizing your risk and protecting against losses.

Risk-based scale

Each of your debit card transactions is assigned a score on a risk-based scale; the higher the score, the greater the likelihood of fraud. To assign the risk score, the complex scoring model takes into effect many different aspects of your spending history coupled with common criminal tactics. Our service uses individual cardholder, transaction, and merchant data to detect a wide range of debit card fraud, including the following categories, which comprise more than 95 percent of all debit card fraud losses:

  • Lost or Stolen Card Numbers
  • Non-Receipt (Mail Theft)
  • Counterfeit (including Skimming)
  • Card Not Present

24/7 Monitoring

Transactions are monitored 24 hours a day, seven days a week. 

Debit card holders will be alerted when potential fraud is detected. The standard order of engagement for communication is:

  • Text
  • Voice Call
  • Email

Alerts generated overnight result in an email only until texting hours are available. Texts will be sent 7:00 am to 10:00 pm in the cardholder's time zone. Calls will be made from 8:00 am to 9:00 pm in the cardholder's time zone. If a mobile phone is on record, a text alert will be triggered first. If we do not receive a response to the text(s), the system sends an automated voice call asking to confirm if authorizations are valid or unrecognized. If you select "Not Recognized," the call will be transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting confirmation. If the transaction(s) cannot be authorized, it will be declined.

Account activity should be reviewed as often as possible. This can be done online, using a mobile device or tablet or though monthly bank statements. Any time a suspicious or unauthorized transaction on an account is identified, it must be reported immediately. This can be done in person, by phone or in writing. The quicker the transaction is reported, the quicker KANZA Bank can act to identify and prevent any further suspicious or unauthorized activity. In addition, please keep us informed of any changes to your contact information so that in the event of suspected fraud, calls may be directed to you as quickly and efficiently as possible.