In-Network Databases Are Simply Not Enough

Payment security is often treated as if it could be solved with a single lock — one system, one database, one ultimate layer of defense. In reality, bank account information doesn’t live in one place. There isn’t a single global database that tracks every account, every vendor, or every fraudulent entity waiting to strike.

Today’s existing solutions each rely on their own in-network databases, gathered from different sources but still limited to operating within their known parameters. Within that network, this model works reasonably well: when the details are checked against the database and a match is found, all is good. But what happens when the search falls outside those known boundaries — when a vendor account isn’t listed, the ownership data is incomplete, or the search returns nothing at all?

At that point, the payer is left unprotected. Systems built solely on in-network database searches have nowhere else to turn when the lookup fails to return a result — they simply stop. The paying organization is left without guidance, forced to make high-stakes decisions based on incomplete data — precisely when fraud risk is highest.

Q. Customer success means different things to different
companies. For you, what does it truly represent – and
how did you find your way to it?

I actually started out on the technical side – as a software developer. However, early on, I recognized that my true strengths and passions lay elsewhere; theyn were in connecting with people. That insight led me through product and program roles, eventually landing me in customer success, where I truly foundn my place.

What drew me to this field and what keeps me in it is the transformative power of relationships. I genuinely believe that with a strong relationship, the sky is the limit. That belief shapes not only how I lead but how our entire team operates.

At nsKnox, customer success is about more than onboarding and support. It’s about building long-term partnerships and ensuring that customers receive genuine, ongoing value from our platform.

My team serves as the bridge between our customers and the rest of the
company, translating customer needs, raising flags, sharing insights, and
ensuring the right conversations are happening across teams such as Product,
R&D, and Operations.
That connection is essential to making sure our customers aren’t just using our product, but truly succeeding with it. And that starts with trust, clarity, and a relationship that grows over time.

Q. We hear more finance and payment professionals discussing the need to validate bank accounts using technology. Why is complete end-to-end B2B payment fraud prevention needed?

A. We’re all focused on validating bank accounts—it’s a fundamental step in preventing fraud. Whether onboarding a new vendor or updating details for an existing one, companies need to ensure they’re sending funds to the right place. Banks want to be able to validate accounts for their corporate clients as well. At nsKnox, we make that possible globally, providing a clear “yes” or “no” answer.

But is that enough?

We’ve seen organizations validate account details correctly, only to have those records tampered with later inside their ERP systems. Even with the right data on file, an unauthorized change can redirect funds without detection.

That’s why fraud prevention needs to cover the entire payment process—not just one step. End-to-end protection is no longer a nice-to-have. It’s the only way to stay ahead of today’s evolving threats.

In banks, we provide technology that ensures that every beneficiary paid by the bank is legitimate, authorized by the corporate client, and the verified owner of the account. This requires more than just validating an account.