May Product Spotlight
Guarding Every Transaction, Every Second.
How RynohVerifi and Positive Pay Work Together to Protect Your Business from Fraud.
Financial fraud in the real estate and title industry isn’t slowing down. Wire fraud, check fraud, and ACH scams are becoming more sophisticated — and the targets are businesses just like yours. Whether you manage a single closing office or a multi-location operation, the transactions you handle every day are high-value, time-sensitive, and exactly what fraudsters are counting on.
The good news? There are purpose-built tools designed to guard every one of those transactions. Rynoh offers two of the most powerful fraud prevention solutions available to title and settlement professionals: RynohVerifi and Positive Pay. Together, they create a two-sided defense that protects your accounts from every angle — before funds move and after.
What Is RynohVerifi & How Does It Protect You?
RynohVerifi is Rynoh’s next-generation account validation solution, built specifically for organizations managing escrow, trust, and high-liability accounts. It answers the most critical question in any disbursement: Is this really the right account?
Before any funds move, RynohVerifi validates the receiving account against external databases — including Early Warning Services — to confirm three things:
- The bank account number is active and legitimate
- The routing number is valid
- The payee name matches the account on file
This matters because one of the most common fraud tactics in real estate — Business Email Compromise (BEC) — involves convincing someone to update wire instructions at the last minute. The new account looks plausible. The email seems legitimate. But the funds go straight to a fraudster. RynohVerifi is designed to catch exactly this scenario, before a single dollar leaves your account.
Every transaction includes a Verifi Status field showing whether account information has been successfully validated, along with the date and time of verification. If something fails verification or isn’t marked “Verified,” that’s a significant fraud signal — and your cue to pause, investigate, and confirm through a trusted channel before proceeding.
Key features include:
- Real-Time Fraud Alerts — Instant notifications of validation issues, payee mismatches, or suspicious account data, so your team can act before money moves.
- Automated Account Verification — Every transaction goes through a standardized validation process, eliminating the manual checks that are easy to rush or skip under deadline pressure.
- Customizable Fraud Detection — Tailor detection settings to your organization’s specific risk profile. Every business operates differently, and Verifi lets you define what “unusual” looks like for yours.
- Enhanced Security & Compliance — Robust security protocols and built-in audit trails help you meet compliance requirements and maintain a defensible record if a dispute arises.
What Is Positive Pay & Why Does It Matter?
Positive Pay is a bank-offered fraud prevention service that acts as a gatekeeper between your account and any check or ACH transaction attempting to clear it. Think of it as a bouncer with a guest list: if a transaction isn’t on the approved list, it doesn’t get through without your say-so.
Here’s how it works in practice:
For checks: When your company issues checks, you send a file to your bank with each check’s details — check number, date, amount, and payee name. When a check is presented for payment, the bank compares it against that approved list. If everything matches, it clears automatically. If anything looks off — a different amount, a duplicated check number, an altered payee — it becomes an exception, and you’re notified to make the call: pay it or return it.
For ACH transactions: ACH Positive Pay lets you define which companies and vendors are authorized to debit your account. Anything outside those approved rules gets blocked before it ever touches your balance.
The enhanced version, Payee Positive Pay, goes one step further by verifying the payee name on the check itself — closing a loophole fraudsters routinely exploit by altering who a check is made out.
Within Rynoh, Positive Pay items surface as high-priority alerts, flagged immediately so your team can review and act before a fraudulent transaction clears. These aren’t notifications you can afford to let sit — banks require a decision by a set daily deadline, and silence often means the item is paid by default.
Positive Pay is one of the most consistently recommended fraud controls by banks and auditors alike, and for good reason. The cost of setting it up is a fraction of what even a single fraudulent transaction can cost your business.
How These 2 Tools Work Together
RynohVerifi and Positive Pay aren’t redundant — they protect different parts of the transaction lifecycle and are most powerful when used together.
RynohVerifi protects you from the inside out: before you initiate a payment, it validates that the destination account is exactly what it’s supposed to be — so you never send funds to the wrong place.
Positive Pay guards your accounts from the outside in: it stops fraudulent checks and unauthorized ACH debits from clearing by matching every incoming transaction against your approved list.
Together, they form a two-sided shield. One stops bad actors from pulling money out of your accounts. The other stops you from unknowingly sending money to a fraudulent account.
The Rynoh platform ties both together through its alerts and reporting system. Here’s what a fraud-aware workflow looks like in practice:
Alerts surface potential risk — Pending Positive Pay exceptions and Verifi alerts are treated as high priority and appear prominently in your dashboard. These are your first signals that something may be wrong.
Validate before acting — Use RynohVerifi to confirm account details are accurate and match the intended payee before any disbursement is authorized. Never assume a transaction is legitimate.
Reports reveal patterns — Daily and bank reports let you spot anomalies like unexpected activity, unusual timing, or missing and duplicated entries that might not trigger a single alert but tell a bigger story when viewed together.
Human judgment closes the loop — No software replaces a trained eye. Watch for red flags: last-minute wire instruction changes, first-time payees, unusually large amounts, and anyone pushing to rush a payment through.
Escalate when something feels off — Pause, contact the bank, confirm with the client through a trusted method, and review the full audit trail in Rynoh before moving forward.
Fraud detection in Rynoh works because it combines all four layers: Alerts (signals) + Reports (patterns) + Verification (validation) + Human judgment. Remove any one of them, and the protection weakens.
The Stakes Are Too High to Leave These Tools Unused
Every transaction your team processes is a potential target. The real estate and title industry sees millions of dollars lost to fraud each year — and the most effective attacks aren’t loud or obvious. They look like a normal closing day right up until the money is gone.
RynohVerifi and Positive Pay exist to change that. Whether you’re an existing Rynoh client looking to get more from your software or a business exploring what better fraud protection looks like, these tools are built for companies that can’t afford to get it wrong.
A personalized demo is the fastest way to see them in action — and to understand exactly how they’d fit into your day-to-day workflow.
See It for Yourself
Get a step-by-step walkthrough of RynohVerifi and Positive Pay. Walk away knowing exactly how to guard every transaction — every second of every closing day.
Rynoh is a product of Segin Software, a financial technology company serving the title and settlement industry. For more information, visit rynoh.com or call (757) 333-3760.