ACH payment risk platform with fraud detection and verification services
Certegy runs a payment risk platform for ACH transactions, built on AWS infrastructure with Docker, Terraform, and Lambda—layering data tools (Oracle Analytics, Power BI, Tableau) for fraud dashboards and risk control. The hiring mix is balanced between data and engineering (6 each), with steady mid-to-senior headcount growth, suggesting active investment in both analytics capability and platform modernization. Active projects cluster around fraud dashboards, cloud containerization, and legacy system integration—indicating simultaneous pressure to improve detection accuracy while migrating monolithic systems to cloud-native architecture.
Certegy provides ACH-based payment risk management and verification services to retailers and financial institutions across North America. The platform uses proprietary authorization systems and risk assessment algorithms to deliver ACH warranty and fraud detection across mobile, web, and point-of-sale channels. The company operates in a high-volume, real-time payments environment where balancing loss mitigation against customer service levels is a core operational challenge. Infrastructure sits on AWS with recent movement toward containerized, microservices-based architecture to reduce downtime and improve fraud incident response times.
AWS (ECS, Fargate, Lambda, RDS, CloudFront, Elastic Load Balancing), Oracle Analytics Cloud, OCI, Docker, Terraform, Jenkins, Power BI, Tableau, and Linux. FedNow integration is also in use.
Cloud modernization and container-based architecture, fraud dashboards development, risk control strategy implementation, legacy system integration, and dealer acquisition outreach. Core focus is improving fraud detection accuracy in high-volume real-time ACH payment environments.
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