A systematic approach to protecting money when it moves.
Organizations coordinating money movement without a highly structured process are creating unnecessary risks and are vulnerable to costly social engineering attacks.
Gain bulletproof
transaction management.
The Secure Transactions Framework delivers the control, and security your financial operations need, eliminating security vulnerabilities and increasing coordination efficiency.
10 Principles to Protect Money in Motion
Categorizing transactions systematically accounts for different variables and complexities, enabling template-driven processes that reduce both operational errors and fraud risk.
We recognize four distinct types:
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One-Time Transactions
Single transactions with new participants
Framework establishes trust from the start
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Ongoing Transactions
Repeat business with established partners
Framework builds on verified relationships
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Transfers
Transactions between accounts you control
Framework prevents social engineering
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Secure Closings
Complex multi-party transactions
Framework coordinates all participants securely
Multiple transactions managed as a single unit—ideal for complex projects or ongoing business relationships.
Groups maintain their connections through completion and archiving, preserving the relationship for future reference and streamlining audit processes.
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Sequential or dependent transactions that have relationships with one another and are tied together.
Perfect for phased payments, milestone-based disbursements, escrow releases, or multi-step processes where payments are held until specific actions or dates.
Clear stages ensure all participants understand exactly where the transaction stands and what happens next. Security checks happen upfront, information stays organized, and everyone moves through the process efficiently together.
Benefits of working within stages:
Participants see the same statuses
Security completed before money moves
No last-minute scrambles or surprises
Who can initiate a $5 million wire?
Who approves disbursements?
Who's responsible when things go wrong?
Unclear authority structures create the perfect conditions for fraud. Social engineering attacks succeed when fraudsters exploit confusion about who has authority to do what.
Defined roles create clear authority and accountability. For most transactions, these are the suggested role types:
Core Transaction Roles
Active financial participants who directly handle money movement
Sender
Initiates and funds the transaction
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Clearer
Receives and disburses proceeds
Receiver
Receives funds and confirms completion
Operational Roles
Provide governance, oversight, and process management to ensure secure and compliant transaction execution.
Coordinator
Manages the overall transaction process
Approver
Reviews and approves transactions before execution
Viewer
Views transaction details without participating
Traditional wire systems don't reflect how businesses actually operate—departments, teams, and hierarchies get flattened into confusing participant lists. Create clear authority chains in your transactions that scale with your business.
Mirroring your organization's structure within your transactions serves dual purposes: security protocols become intuitive rather than burdensome, while operational efficiency increases because people work within familiar authority structures.
Traditional contact management scatters relationship data across individual email lists and personal directories, creating security gaps where fraudsters can insert themselves into legitimate business conversations.
Centralized contact control prevents infiltration:
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Organization-wide visibility into business relationships
Controlled entry points for new counterparties
Clear distinction between verified and unverified contacts
Your contact database becomes a security perimeter. When everyone shares the same verified contact information, social engineering attacks that rely on introducing "new" contacts or "updated" information lose their effectiveness.
Traditional wire transfers operate on hope:
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Hope the requester has authority
Hope account information is correct
Hope the recipient is legitimate
Three-layer security–Authentication, Identity Verification, Bank Account Validation—eliminates this guesswork while building trusted networks.
Your verified network becomes a competitive advantage, enabling faster deal execution while maintaining institutional-grade security standards.
Critical transaction documents get scattered across email chains, shared drives, and insecure channels, creating security vulnerabilities and coordination chaos.
Document-to-transaction binding solves this by keeping all information secure and organized. Automatic organization by transaction eliminates time spent hunting for documents and ensures everyone works from current versions.
Required documents increase security and efficiency by helping identify and confirm participants
Participant access ensures the right people see the right documents at the right time
Transaction-tied storage keeps information "in" the transaction, not floating in email chains
Transaction-specific insurance provides an extra layer of protection on top of the best practices above. The most sophisticated teams employ this insurance on their high-value transactions, providing coverage that traditional cyber insurance policies often fail to deliver.
With most insurance, social engineering isn't covered. If your process relies on humans making decisions, then human deception becomes possible—and that's exactly what most cyber policies exclude.
Rather than focusing on whether someone was deceived, transaction-specific insurance focuses on whether your money reached the intended recipient.
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The Problem with Traditional Cyber Insurance
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Adding Transaction-Specific Coverage
Understanding when to use wires, ACH, FedNow, or RTP can save thousands in fees while optimizing cash flow timing.
$15 to $50
Immediate
No limit
No
Time-sensitive, high-value
$.25 to $3
2 to 3 days
Subject to bank's limit
No
Routine, recurring payments
$.25 to $3
2 to 3 days
Subject to bank's limit
Yes
Routine, recurring payments
$1 to $8
Same day
$1M
Yes (during settlement)
Urgent
$.50 to $5
Real-time
$500K
No
Urgent, cost-conscious
$.50 to $5
Real-time
$10M
No
Urgent, cost-conscious
Low direct cost
3 to 7 days
No limit
Yes (before deposit)
Compliance, legacy systems
Cost
$15 to $50
Timing
Immediate
Max Amount
No limit
Reversible
No
Best For
Time-sensitive, high-value
Cost
$.25 to $3
Timing
2 to 3 days
Max Amount
Subject to bank's limit
Reversible
No
Best For
Routine, recurring payments
Cost
$.25 to $3
Timing
2 to 3 days
Max Amount
Subject to bank's limit
Reversible
Yes
Best For
Routine, recurring payments
Cost
$1 to $8
Timing
Same day
Max Amount
$1M
Reversible
Yes (during settlement)
Best For
Urgent
Cost
$0.50 to $5
Timing
Real-time
Max Amount
$500K
Reversible
No
Best For
Urgent, cost-conscious
Cost
$0.50 to $5
Timing
Real-time
Max Amount
$10M
Reversible
No
Best For
Urgent, cost-conscious
Cost
Low direct cost
Timing
3 to 7 days
Max Amount
No limit
Reversible
Yes (before deposit)
Best For
Compliance, legacy systems
Float considerations versus fee costs create optimization opportunities that extend beyond simple fee comparisons. With current interest rates, the money sitting in your account during payment delays can generate meaningful returns.
Consider a $500,000 payment: A 3-day ACH delay might save $45 in wire fees, but at 5% annual interest, those three days generate roughly $205 in interest earnings ($500K × 5% ÷ 365 × 3). However, this calculation changes if that delay costs you an early payment discount or creates late payment penalties.
Framework Applications
Government agencies managing public funds with transparency and auditability.
Multi-party coordination with verified participants and secure disbursements
Investment banking and private equity with sophisticated verification and compliance
Scalable verification preventing business email compromise
Secure coordination for client funds and trust accounts
The Future of Money Movement
The future belongs to structured transaction processes with appropriate tools, replacing ad-hoc coordination with systematic business operations.
Every framework principle.
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