Ensenta FAQs

Early Warning System (EWS) Risk Factors are used when clients have Ensenta's Integrated Fraud Check (IFC) product. Financial institutions may customize a risk factor’s severity (reject or accept) and its review queue (only applicable if the risk factor is set to accept) during EWS setup.

Note: Business or ATM channels cannot have any risk factors set to reject.

The name of each risk factor is comprised of four parts:

• Risk type – IFC (Integrated Fraud Check)

• EWS risk type – Hard, Soft, Informational, or Open/Active

• Type of data – Participant or Non-Participant

• Risk factor name

For a list of risk factor definitions, download this EPS Ensenta Risk Factor Definitions PDF:

Yes, Ensenta does complete check image validation, however, a check image is rarely rejected. If Ensenta's OCR can validate a MICR number, account number, date, etc. is present, the image will pass validation. Validation will only reject if the picture is not of a check.

Ensenta has default limits and risk rule routing based on research. Post-delivery of the platform, segment limits can be edited in EZAdmin on the “Limit Dashboard”.

All risk rules are configurable by the FI. Ensenta allows for some risk rules and routing to be customized. Ensenta offers a risk review that would cover additional changes to risk rules and routing; however, this requires an SOW and additional project with Ensenta.

Please reach out to your Narmi Relationship Manager with questions.

Check images are retained for 6 months from the date of deposit and are then purged. If check images from over 6 months ago are needed, check with the Item Processing Vendor.

The check image is available in real-time in EZAdmin after a user submits their deposit.

This is expected behavior. If an FI has Narmi Real-Time Posting for RDC, all checks in manual review queues will be posted. When FI staff reject (or adjust) a deposit in EZAdmin, a manual reversal (or adjustment) must be made:

1. Via direct reversal in the core system OR

2. Via batch process, using a return file from Ensenta

Read more about Narmi Real-Time Posting for RDC here.

Yes. Read more here.

Note: Any individual limits will override the designated limits defined by the Narmi segment that the user is in.

Yes. If a user changes their email address in the Narmi platform, Narmi will send the updated email address to Ensenta after that user's banking session is complete. Ensenta will use that new email address to send alerts and all other future communications.

Only simple text is supported at this time (no images, coloring, font change, or HTML supported).

In the subject line, there is a character limit of 200. According to Ensenta Support, the body has no character limit.

No. Narmi takes care of posting the mobile deposit transaction directly to the core.