J.P. Morgan Payments has introduced the Account Confidence Score (ACS), an AI and ML-powered proprietary fraud indicator risk score, as part of its Trust & Safety Solutions, within J.P. Morgan Access, our global cash management platform. This tool is designed to help our clients pay beneficiaries confidently, help prevent payment fraud and streamline their payment processes.

“The Account Confidence Score underscores our commitment to equipping our clients with the right tools and solutions to navigate the ever-evolving complexities of the digital payments landscape, especially as businesses face unprecedented fraud threats,” said Greg Hodges, Head of Trust and Safety at J.P. Morgan Payments.

Leveraging over 15 billion J.P. Morgan Payments transaction records, ACS evaluates accounts across multiple dimensions, including age, recency, location, payment history, known fraud, payment frequency and linkages. The score is generated by an AI-based machine learning model that rates beneficiary accounts on a scale from zero, indicating the lowest confidence, to 1,000, indicating the highest confidence. This helps clients assess fraud risk before initiating a payment. Clients will receive a Red, Amber, Green (RAG) status aligned to the score to indicate risk and provide potential actions, such as additional reviews and tips to help prevent common security threats like Business Email Compromise, payroll fraud, invoice fraud, and account takeover.

By incorporating the ACS into J.P. Morgan Access, we’re enhancing our Trust & Safety Solutions offering for clients, merging the stability and security of a bank with the agility and flexibility of a technology company to help safeguard our clients and improve payment security.

Learn more

• Hodges recently shared insights on how companies can best protect themselves and their customers against payments fraud at the “Fighting Payments Fraud in 2025” virtual event hosted by Payments Dive and Banking Dive. Read more in this Payments Dive article here and watch the webinar replay here.
• For expert insights on implementing verification strategies to aid in fraud mitigation, tune into Trulioo’s webinar, “The Payments Race: How to Verify at the Speed of Money,” featuring Mike Frost, Product Solutions Director, Trust & Safety at J.P. Morgan Payments.
• Learn more about Trust & Safety Solutions from J.P. Morgan Payments.
• Read more about the new Account Confidence Score in a LinkedIn blog from Steven Bufferd, Managing Director, Trust & Safety at J.P. Morgan Payments.

Use of Account Confidence Score is not intended to, and does not, satisfy any regulatory or other requirements for the establishment or maintenance of any Sanctions, Anti-Money Laundering, or Know-Your-Customer program. Clients using ACS remain subject to and solely responsible for compliance with their own regulatory and sanctions obligations. Use of the service does not constitute a guarantee or assurance that transactions will be processed for counterparties.