Reduce fraud losses while keeping dispute costs predictable andcompliance strong
Efficio gives credit unions and banks control over dispute operations as volume and complexity grow without relying on rigid processor workflows or outsourcing execution. It provides a structured, auditable operating model that keeps Reg E/Z compliance tight, decisions consistent, and preventable fraud losses contained.
Lower Losses
Preventable fraud losses contained through structured investigation and evidence
Predictable Costs
Dispute cost per case stays flat as volume and complexity grow
Compliance Strength
Reg E/Z and Nacha timelines enforced by the system, not by memory
Member Experience
Faster, more consistent resolutions and fewer escalated complaints
33
94.7%
5
34
7d
10.9m
Avg Handle Time
iMinutes
Disputes by reason
iPercentage
- 78.9% Unauthorized
- 8.3% Error
- 8.7% Merchant
- 4.1% ATM
SLA
i% of cases meeting SLA
Resolved disputes by agent
iDispute count
Values
Control-First automationfor Dispute Operations
Efficio puts humans in control and lets automation and AI expand safely based on your risk appetite, regulatory requirements, and customer experience goals.
Automate what's clear-cut
Automate straightforward, black and white cases. Reduce manual effort and free your teams from repetitive work
Channeled human effort
Route complex or sensitive disputes for human (agent) review with full context and AI-supported recommendations
Learn from every dispute
Feed back every outcome into the system to improve workflows, scale automation, and generate intelligence for your upstream risk controls
Join banks and credit unionssafeguarding billions.
Join the world's top banks and credit unions protecting billions in assets with Efficio.