We built this because
the category needed it.
Positive Pay is the most under-leveraged product in community banking. Most community FIs have it. Most run it at 5% adoption. The reason isn't the technology. It's the absence of a real education layer for the people who run these programs.
Built from two years of real conversations.
We spent the last two years interviewing the FIs that get Positive Pay right. We spent the last six months talking to advisory council members about what they wish someone had told them five years ago.
The Academy is what fell out of those conversations, structured into a curriculum that any community FI treasury professional can work through for free.
Advanced Fraud Solutions.
Advanced Fraud Solutions has served community banks and credit unions for 14+ years. We make TrueChecks, TrueACH, and Positive Pay. We have 1,500+ FI customers. The Academy isn't a sales channel for AFS. It's vendor-neutral education. If what you learn drives you to talk to us, we're here. If it drives you to talk to a different vendor, that's fine too.
Built by people who do the work.
The Academy isn't authored by a single instructor. It's a living curriculum maintained by the AFS team: product, sales engineering, customer success, partnerships, and leadership. Our contributors come from community FI backgrounds or from large core providers like FIS and Fiserv. Combined, our team has spent decades sitting next to the people who run treasury programs at community banks and credit unions.
When you read a lesson, you're reading the consensus of people who have watched dozens of Positive Pay rollouts go well and a handful go sideways. We tell you what worked, what didn't, and what we'd do differently.
Three things we believe.
Positive Pay is two products in one.
A fraud engine and an adoption product. Most legacy platforms only get the first one right. The Academy teaches both.
Adoption is the only metric that compounds.
Every business client enrolled is a fraud loss avoided, a deposit retained, and a non-interest income line that shows up next quarter. The curriculum is built around moving the adoption number.
The category is underpriced and over-feared.
Most FIs price PP below market because they're afraid of pushback. Most clients fear the fee until they experience fraud. Both fears are surmountable with the right framing. The Academy is the framing.