ARGO Thought Leadership

Strengthening Teller Fraud Prevention with Automated Cash Controls

Written by ARGO | Oct 30, 2025 1:00:00 PM

Checks remain the most targeted payment method for fraud, yet teller operations still face serious risks from cash fraud and money laundering. Criminals continue to exploit financial systems in the United States and abroad to disguise profits from illegal activity and fund additional crimes.

The FBI estimates that more than $300 billion is laundered annually through the United States. If left unaddressed, money laundering can cause widespread financial and reputational harm to institutions. Banks and credit unions need technology that can analyze risk signals quickly and return real-time transaction decisions.

Solutions like OASIS™ support this need by delivering cross-channel analytics and adjudication workflows that detect fraudulent transactions and suspicious activity. Its anti-money laundering (AML) components provide comprehensive case management with integrated workflow so institutions can reduce regulatory exposure, reputational risk, and compliance costs.

Institutions should consider solutions with features that assist in meeting regulatory expectations, including Know Your Customer (KYC), sanctions screening, ongoing risk assessments, and regulatory reporting. Effective cash aggregation solutions typically allow financial institutions to:

  • Configure cash compilation criteria across multiple channels and data feeds
    • Set dollar thresholds that trigger customer identification
    • Identify abnormal patterns in daily cash activity

As part of ongoing compliance, institutions can also automate cash reporting by:

  • Aggregating cash transactions by account number, tax ID, or customer identification
    • Enforcing required data collection for reporting purposes
    • Systematically creating CTRs for analysis and electronic filing
    • Generating MILs for review by compliance teams

To learn more about how institutions can strengthen their fraud mitigation strategy at the teller line, download the interview document, “Mitigating OTC Fraud in Real Time.”