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Main Content



BALANCING LOAN APPROVALS, RISK, AND COMPLIANCE WITH PAYLIANCE’S PROVEN SOLUTIONS

Payliance News • September 18

In the lending industry, expanding your loan portfolio requires balancing growth
with effective risk management while adhering to strict regulatory guidelines.



Payliance offers VeriTrac Account Verification, Card Verify, and the upcoming
Visa Account Name Inquiry (ANI) to help lenders confidently increase loan
approvals while maintaining strong compliance with regulations such as Know Your
Customer (KYC), Anti-Money Laundering (AML), and consumer protection standards.
These solutions streamline verification, enhance fraud detection, and ensure
secure, compliant loan funding decisions.



INCREASE LOAN APPROVAL WHILE MEETING REGULATORY REQUIREMENTS

Boosting loan approvals is essential for revenue growth, but it also increases
exposure to risk and regulatory scrutiny. Payliance’s VeriTrac Account
Verification enables lenders to instantly validate consumer bank accounts,
ensuring compliance with KYC and AML requirements. By validating the legitimacy
of borrowers’ financial accounts, lenders can reduce the risk of fraud, minimize
bad debt, and demonstrate adherence to regulatory guidelines aimed at preventing
illicit activity .

Card Verify enhances the loan approval process by offering comprehensive
real-time card validation. This solution consolidates critical data, including
AVS, BIN, and card issuer information, allowing lenders to verify card
eligibility for loan funding and repayment. This not only reduces the risk of
fraud but also supports compliance with AML regulations by ensuring that funds
are disbursed to valid, traceable accounts .

The upcoming Visa Account Name Inquiry (ANI) feature, integrated into Card
Verify, allows lenders to confirm that the cardholder’s name matches the
information held by the issuing bank. This verification is critical for
card-not-present transactions and aligns with KYC standards, helping to prevent
identity theft and ensure that loans are issued to legitimate borrowers. By
integrating this tool, lenders enhance their ability to comply with regulatory
guidelines that require identity verification and anti-fraud measures .

STREAMLINE LOAN APPROVALS AND ENSURE COMPLIANCE

Efficiency and regulatory compliance must go hand in hand in today’s lending
environment. VeriTrac Account Verification simplifies the approval process by
providing real-time validation of key applicant information. This automated
process reduces manual workload and ensures that lenders meet regulatory
obligations related to consumer identity verification and fraud prevention .

By leveraging Card Verify alongside Visa ANI, lenders can add an extra layer of
protection to their loan approval process. These tools help identify fraudulent
cards, mismatched cardholder details, and other red flags, ensuring that only
verified, legitimate borrowers are approved. This approach aligns with consumer
protection laws and reduces exposure to non-compliance risks, such as failing to
properly vet borrowers or disbursing funds to fraudulent accounts.


ACHIEVE SUSTAINABLE GROWTH WHILE STAYING COMPLIANT

In the highly regulated lending industry, lenders need solutions that not only
drive growth but also ensure full compliance with KYC, AML, and other regulatory
standards. Payliance’s solutions—VeriTrac Account Verification, Card Verify, and
the forthcoming Visa ANI—provide the necessary tools to increase loan approvals
without compromising on compliance or security. These solutions streamline
verification processes, enhance fraud prevention, and optimize regulatory
compliance, giving lenders the confidence to approve more loans while protecting
their portfolios.

To learn more about how to grow your business while mitigating risk contact
Payliance today.




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