Document Processing · Fraud Detection
NatWest Group needed to comply with the UK's image-exchange check-clearing legislation while still processing very high daily check volumes quickly, accurately, and cost-effectively, and it also needed stronger fraud detection and a better audit trail as paper-based processes declined.
Reported impact
NatWest Group lowered check-clearing costs and cycle time, improved accuracy and customer-service speed, strengthened compliance and auditability, and used AI-based fraud detection to stop fraudulent checks and reduce potential fraud losses.
NatWest Group and DXC transformed check clearing from a paper-centered process into a digital image workflow. DXC introduced new desktop scanners in its processing centers and migrated the bank onto a new software platform used for both in-clearing and out-clearing, while running paper and image-based processes in parallel during the transition. The new flow captures check images digitally, exchanges them instead of physical paper, and applies automated fraud-detection software based on machine learning and artificial intelligence to identify suspicious items. DXC also rationalized the clearing platforms, retained distributed capture sites for courier delivery, and improved the audit trail. The result is a compliant operating model that reduces physical footprint, speeds clearing, improves accuracy, and gives the bank a lower-cost path for ongoing check processing and newer capture channels.
Checks are captured as images through desktop scanners in DXC processing centers and passed into the new software platform for digital clearing. The platform applies automated fraud-detection software to the images, routes the resulting items through in-clearing and out-clearing workflows, and produces a stronger audit trail while funds are made available more quickly.
"A full day’s worth of checks — on average about 200,000 — is processed in a 2-hour window with an accuracy level of 99.9 percent."
"Specifically, the new industry model delivered a 50 percent reduction in check-clearing costs and a 66 percent reduction in the clearance cycle time of a check."
"The automated fraud detection software has identified an average of 350 fraudulent checks per month, saving the bank more than £50 million per year in potential fraud losses."
"The new system also enables NatWest Group to do a better job of responding to check-related customer questions through an improved audit trail."
"This enabled NatWest Group to reduce its overall footprint for image-capture functionality, increase speed and accuracy, and enable automated image fraud detection based on machine learning and artificial intelligence (AI) technologies."
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