Kyle Caldwell

speaker

129 appearances 1 recordings 1 series first heard Nov 2025 last heard 20 Nov

Kyle Caldwell’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Nov 2025 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 20 Nov 2025 Kyle Caldwell and Keith Melton from The Clearing House on the RTP Network and new Fraud Services from TCH · 20 Nov 2025 podcast

I've recently moved and she's like, hey, I need to send you this money.

And, you know, how should I do it?

And I'm going to write a check and drop it in the mail.

And I'm like, Mom, would you put cash in an unattended box on the side of the road and expect it to make its way to me?

And she's like, no.

And I was like, OK, well, that's kind of what a check is in that case where check fraud is blown up.

And, you know, again, it's just to your point, there's a lot more safe and secure rails to process those payments that you're not just kind of leaving an unattended account number, you know, posted on a piece of paper.

The RTP fraud service is, you know, the Clearinghouse's way of bringing in network level fraud insights or risk insights to banks, right?

So this is not, you know, we're not looking at this as a competitive service.

You know, this is just data that only we within the Clearinghouse and the RTP network will be able to provide.

So it's, you know, basically broken across three different services where we have, you

daily fraud reporting.

So this is different than the current fraud messages.

This provides specific typologies around the fraud activity that we're seeing, fraud and scam activity that we're seeing.

So that way we can better understand the overall activity on the network.

We're also going to provide real-time reporting

Risk indicators, or how I phrase it, is a pre-transactional query that can be called before a transaction is sent.

Our clients will be able to utilize this pre-transactional query to review information about the receiving account so that way they can determine whether or not to initiate that payment.

The clearinghouse will not make that decision.

This is just a in combination of more risk signals and data that fraud teams can utilize to help reduce false positives while still and better identifying suspicious activity.

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