A fraud investigator’s workday often begins with urgency. A suspicious transaction alert can mean a customer has already fallen victim to a scam, with stolen funds potentially disappearing through multiple accounts before recovery efforts begin.
According to Salv, traditionally, resolving such cases involves a slow, fragmented process reliant on calls, emails, and hope. Cross-bank collaboration is hindered by lengthy SWIFT communications, legal delays, and inconsistent intelligence sharing, leaving investigators with limited context and no guarantee of a timely response.
In many cases, investigators must escalate through national regulators or financial intelligence units (FIUs), especially when dealing with large neobanks. This can stretch communication timelines from days to weeks. Even when informal contacts exist, the lack of a structured and secure channel limits recovery chances. For victims, this often means their money is irretrievably lost.
Salv Bridge offers a starkly different experience. Designed for speed and precision, the platform enables financial institutions to exchange critical fraud intelligence in minutes. Using predefined templates, investigators can send structured details — such as IBANs, transaction amounts, and suspected fraud narratives — to other institutions on the network. This reduces the time needed to identify, freeze, or recover stolen funds dramatically.
In one example, a fraud involving stolen company banking credentials led to rapid action when the receiving bank, FlexPay, was on the Bridge network. The investigator’s urgent, template-based message resulted in funds being frozen within minutes — a significant contrast to traditional processes. While other payments to non-network institutions still faced delays, the difference in recovery outcomes was clear.
Salv Bridge’s structured workflows eliminate guesswork. Investigators can track case ownership, monitor replies in real time, and achieve an average response rate of one to two hours. Internal data shows over 90% of alerts are true positives, with network members reporting recovery or prevention of roughly half of authorised push payment (APP) fraud losses — particularly valuable in regions where reimbursement is mandatory.
Beyond fraud recovery, Salv Bridge supports sanctions requests for information (RFIs), alerts on suspicious entities, and the sharing of fraudulent IBANs before transactions are processed. Some institutions now intercept scams entirely, preventing losses before they occur. The platform also addresses legal and compliance considerations by providing guidance on GDPR, AML, and payment service law alignment.
Trust is integral to the network’s success. Unlike generic data feeds with low hit rates, Bridge messages are context-rich and actionable. As usage grows, so does the confidence between member institutions, further accelerating response times.
For fraud investigators, Salv Bridge transforms casework from a stressful, uncertain process into a faster, more structured, and more successful operation — ultimately recovering more funds and reducing the chaos of financial crime response.
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