Cybersecurity & Fraud Prevention for Regulated Institutions
Stop fraud in real time. Build for the quantum era.
ACM Global Tech protects banks, credit unions, and healthcare organizations with layered defense, real-time fraud detection, and post-quantum cryptography built into the platform, not bolted on.
Attackers move faster than legacy defenses
Account takeover, synthetic identities, real-time payment fraud, and ransomware now target community and mid-sized institutions as readily as the largest banks. Older, siloed controls react after the loss has cleared.
ACM takes a regulated-first, defense-in-depth approach. Detection runs at the moment of the transaction, controls span the full stack from device to settlement, and every layer is engineered to stay examiner-ready. The goal is simple: fewer losses, fewer false positives, and an audit trail your regulators and your members can trust.
Layered defense across the institution
A connected security posture that protects accounts, payments, and infrastructure end to end.
Real-Time Fraud Detection
AI-driven scoring evaluates transactions as they happen, flagging account takeover, synthetic identity, and anomalous behavior before funds move.
Payment & Transaction Monitoring
Continuous monitoring across deposits, lending, cards, and real-time payment rails, with configurable rules tuned to your risk appetite.
Identity & Access
Strong authentication, device intelligence, and step-up verification that reduce friction for legitimate members and raise it for attackers.
Post-Quantum Cryptography
NIST-aligned post-quantum encryption protects long-lived financial records against "harvest now, decrypt later" threats from day one.
Threat Detection & Response
Layered controls and monitoring across the stack help you detect, contain, and respond to intrusions and ransomware.
Compliance-Ready Controls
Built-in audit trails, reporting, and segregation of duties engineered for examiner scrutiny across jurisdictions.
Secure today, secure against tomorrow's compute
"Harvest now, decrypt later" attacks put long-lived financial records at risk today. Adversaries can capture encrypted data now and decrypt it once quantum computing matures.
ACM addresses this with a practical migration to NIST post-quantum cryptography: what to encrypt first, how to phase rollout without touching the core, and how to stay examiner-ready throughout. Post-quantum protection is a default of the ACM platform, not an upgrade you have to plan for later.
- Encrypt what lasts: prioritize records and keys with multi-year lifespans that quantum attacks threaten most.
- Phase without disruption: migrate cryptography in stages without re-platforming your core banking system.
- Stay examiner-ready: document controls and evidence for regulators at every step.
See our post-quantum security capability for the full technical approach.
Built for institutions under scrutiny
Security that meets the bar serious bank and credit-union executives expect.
- Regulated-first by design: compliance-ready controls, audit trails, and reporting built in, not added after the fact.
- Client-owned and white-label: security runs under your brand, with non-custodial options where they fit your model.
- Real-time, not after-the-fact: detection at the point of transaction to reduce losses and false positives.
- Quantum-safe from day one: post-quantum cryptography across the platform protects records with long lifespans.
- Delivered at speed: our Agile Speed Framework moves protection from decision to production quickly.
Purpose-built for credit unions, community and mid-sized banks, and healthcare organizations that answer to examiners and members alike.
Fraud signals connect to the systems you already run
ACM scoring and post-quantum controls layer over your existing stack, so detection reads from and writes back to the systems your analysts, examiners, and members depend on.
Core & ledger hooks
Decision APIs and event webhooks let scoring inspect transactions on deposits, lending, and real-time payment rails, then post a block, hold, or step-up back to the core without re-platforming.
KYC / AML & card networks
Connectors enrich risk scores with your existing identity, sanctions, and card-network signals, so account-takeover and synthetic-identity models decide on the full transaction context.
SOC, SIEM & case tooling
Streamed alerts and structured logs feed your SIEM and existing investigation queues, keeping fraud detection inside the workflows your security operations team already uses.
Detection runs at the moment of the transaction across your current core and rails, designed to support SOC 2, ISO 27001, PCI-DSS, and HIPAA requirements as data crosses each connection.
Every fraud decision is governed and evidenced
Risk and compliance teams configure the controls, see who changed what, and reconstruct any case for an examiner.
- Role-based access: scope analysts, investigators, and administrators to the fraud queues, rules, and member data each role needs, with segregation of duties enforced.
- SSO & strong authentication: federate sign-in to your identity provider and apply step-up verification to privileged actions such as releasing a held payment or editing scoring rules.
- Tamper-evident audit logs: every score override, rule change, and case disposition is recorded with actor, timestamp, and reason for examiner review.
- Case-level reconstruction: reporting ties each fraud alert to the signals, model output, and analyst action behind it, giving regulators a defensible trail.
Controls, audit trails, and reporting are engineered to stay examiner-ready and compliance-ready for credit unions, community and mid-sized banks, and healthcare organizations running ACM under their own brand.
Ready to harden your institution?
Talk to ACM about layered fraud prevention and quantum-safe security tailored to your core, your members, and your regulators.
Talk to ACMFrequently asked questions
How does ACM detect fraud in real time?
ACM scores transactions as they occur using AI-driven models that evaluate behavior, device signals, and transaction context. Suspicious activity such as account takeover or synthetic identity is flagged before funds move, which reduces losses while keeping false positives low for legitimate members.
What is post-quantum cryptography and why does it matter for banking?
Post-quantum cryptography uses encryption designed to withstand attacks from future quantum computers. It matters because "harvest now, decrypt later" attacks let adversaries capture encrypted data today and decrypt it once quantum computing matures, putting long-lived financial records at risk. ACM builds NIST-aligned post-quantum protection into the platform from day one.
Is ACM's security suitable for credit unions and community banks?
Yes. ACM delivers regulated-first, white-label security for credit unions, community and mid-sized banks, and healthcare organizations. Controls, audit trails, and reporting are engineered to stay examiner-ready, and the platform runs under your own brand.
Can ACM security work without replacing our core?
Yes. ACM is built to phase in layered defense and post-quantum cryptography without re-platforming your existing core, so you can strengthen protection in stages while staying examiner-ready throughout.