It all starts when the check is captured in the branch of the teller or through a remote channel like a mobile device, scanner, or self-service kiosk. From here, a complex process that spans departments and decision points across an institution begins. Once digitized, Unify, Allergen's award winning item processing platform, takes the check images and key data points like the micro line, check number, and deposit amount, and instantly validates the information right at the point of capture. Today, checks don't physically move. They flow digitally. With Unifi, the checks front and rear images, along with the color images of items captured through mobile devices and its data, are stored in a centralized transaction database the moment the items enter the system. This creates a single source of truth that follows each item from capture to clearing. Unlike legacy systems where capture and processing are often disconnected and performed in batches, Unify leverages a transaction level approach and uses a single API across the entire institution. That means the real time validations, review actions, and balancing steps taken at the point of capture remain intact and visible downstream. No data is lost between steps, and every action from teller to back office is preserved with the check images. This end to end consistency results in a smoother, more accurate workflow and ensures that decision making is always based on complete and reliable information. Before items move to posting, they're automatically analyzed by AlligentShield, Alligent's advanced check fraud mitigation functionality. Alligent Shield leverages a powerful user scoring model to analyze transactional behavior, verify microdata, detect duplicates, and flag suspicious patterns in real time, all before checks reach the back office. Color images of items captured through mobile deposits give operators a clearer view to spot signs of material alteration, making it easier to identify and flag potentially fraudulent items. By combining image analytics, data science, and customizable business rules, Allegiant Shield helps stop fraud before it impacts an institution's bottom line. Once validated, checks move into day one processing where they're prepared for clearing and settlement. Depending on where the checks are drawn, they're routed via x nine files to an image exchange partner, the Federal Reserve, or another financial institution. This entire process is automated and tracked, eliminating manual touch points and reducing processing times. After capture and validation, date two processing with Unify provides the tools to handle returns, chargebacks, and exception items quickly and accurately. From representments to out of balance corrections, your team stays in control with fewer handoffs and greater visibility. Checks that meet all criteria proceed to posting, clearing, and reconciliation. At every step, Unify logs a full audit trail, ensuring total transparency and traceability. Unify applies the same level of scrutiny for checks from all deposit channels. Every item is processed consistently. This includes deposits processed at the teller line or from outside the branch. Unify keeps your operations running smoothly from deposit to settlement. That's the power of Unify and the operational advantage of Alligent.
