banking

Verigence for Bank / Credit Union

Confirm suspicious activity fast, replace cards cleanly, and resolve service exceptions without queue spill.

Fraud-loss prevention + faster service recovery for retail banks and credit unions

Regional banks and credit unions through large retail banking operations

Workflows built for you

Pick a workflow to see how the live demo behaves in this vertical.

Live voice demo

~2–4 min · tap to start

Outbound Fraud Alert — Confirm or Block Card

Outbound call: "We saw unusual activity on your card — can we confirm these transactions?" AI walks the cardholder through the flagged charges, blocks the card if confirmed fraud, and queues an expedited reissue.

Gulf Coast Community Bank

What you capture from this workflow

KPMG 2024 Retail-Banking Fraud benchmark

Per call

Fraud prevented: avg $2,300 per blocked-card incident

At scale

~$690K/yr across 300 fraud-alert calls/yr — prevention is 8–15× cheaper than remediation

Staff time saved

~8 min of fraud-operations agent time per confirmed incident

Without Verigence: Unblocked compromised cards incur avg $2,300 in fraudulent charges. Every 60-second delay widens exposure.

Start call

Live voice demo

~2–4 min · tap to start

Inbound: Lost / Stolen Card — Block + Reissue

Cardholder calls to report a lost or stolen debit card. AI authenticates, blocks the card immediately, and queues an expedited reissue with confirmed shipping address.

Gulf Coast Community Bank

What you capture from this workflow

Deloitte 2024 retail-banking service benchmarks

Per call

$18-$42 saved per self-serviced card replacement call

At scale

~$54K/yr across 2,000 lost-card calls deflected from live agents

Staff time saved

~7 min of card-services agent time per replacement request

Without Verigence: Lost-card calls spike after hours and during travel windows. Delayed replacement drives cardholder churn and repeat calls.

Start call

Live voice demo

~2–4 min · tap to start

Inbound: Overdraft Fee Dispute — Discretion Waiver

Caller disputes an overdraft fee. AI reviews the fee, applies a one-time courtesy waiver when the account meets the 12-month-good-standing rule, and escalates to a branch manager otherwise.

Gulf Coast Community Bank

What you capture from this workflow

Forrester 2024 customer-service cost-to-serve benchmarks

Per call

$28-$65 in recovered retention value per resolved fee dispute

At scale

~$110K/yr across fee-dispute calls resolved with consistent waiver policy and fewer callbacks

Staff time saved

~10 min of branch-manager or account-services time per disputed fee case

Without Verigence: Fee disputes are high-emotion, low-complexity contacts. Inconsistent handling drives repeat calls, churn, and supervisory escalations.

Start call

More for Bank / Credit Union

Inbound: Auto / Personal Loan Pre-Qualification

Caller asks if they pre-qualify for an auto or personal loan. AI quotes current APR bands, runs a soft-pull pre-qual, and schedules a lending-officer callback if the caller wants to apply.

Inbound: New Checking / Savings Account — Qualify + Apply

Prospective customer calls to open a new checking or savings account. AI confirms U.S. residency + SSN-on-file readiness, recommends the right product, and starts the application with a secure link.

Don't see your exact workflow?

Verigence is a configurable platform — every scenario here is a set of knobs. If your exact workflow is not listed, we can still map it in the planning conversation.

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