Faster payments now depend on smarter compliance
Innovating and securing payments requires more than just the right tools. Need systems and people and Processes that work together to verify identities, route transactions, and assess risk and Protect data at scale.
exist maverick paymentThis coordination forms the basis of the company’s innovation strategy, says the VP of Product justin downeyJoin PYMNTS for the WNIP “Unsung Heroes” series.
Downey said the Maverick platform’s mission begins with a simple promise: reduce friction for legitimate customers and detect bad actors early. “We’re trying to get good customers to flow through and, Fraudsters – we want to stop them,” he said.
Real-time identity checking and adaptive risk rules achieve this balance. Users with low risk profiles keep going Without delay, high-risk cases are quickly passed to human experts who can review them without slowing down onboarding. The result, he said, is a system that moves quickly while getting smarter over time.
These enhancements significantly improve performance. Powered by automation and dynamic scoring tools designed to optimize results, Maverick now reduces onboarding time by 40% and increases approval rates by 15% constantly.
The people behind the stack
Downey attributes much of this progress to the often invisible teams that build and maintain the company's infrastructure. “You have these technological systems that are constantly innovating, and we also have people behind the scenes,” he said. “people that is extremely attention to detailbordering on obsession, but also without friction when working as a team. ”
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Developers, product teams, support teams, creatives and Engineers work together to streamline onboarding, fine-tune risk models and Strengthen routing logic. But Downey said the most critical contributors often sit outside of Maverick, serving as unsung heroes.
“To me, I think the real partners, the real customers, are your customers,” he said. “They are part of the secret sauce that makes a great technology company.”
Customer feedback informs everything from user experience improvements to fraud detection improvements, giving Maverick real-time visibility into how the system behaves under real business conditions.
One of Maverick's biggest behind-the-scenes upgrades is its routing intelligence. Downey describes an architecture in which the platform selects the best trajectory for each trade based on scope, speed and redundancy.
“We have implemented intelligent routing logic… to dynamically select the best rail or path,” he said. Maverick effectively acts as a central hub connecting multiple processors and sponsoring banks, ensuring “no downtime, minimal latency” and There is a lot of overlap or redundancy. ”
This redundancy helps the company maintain predictable results even if a particular railroad performs poorly. It also supports faster logins and higher success rates by ensuring traffic follows the most efficient path available.
Data architecture as a competitive advantage
The data volume and architecture support Maverick's scalability. The firm tracks engagement patterns across onboarding and transaction processes, adjusting risk rules based on emerging behaviors and Separate key functions into different operational tracks to reduce bottlenecks.
Downey said the goal is to help partners grow without slowing down tradeapprove or Innovation. Run transactions and onboarding independently, support multiple processors, and build flexible partner tiers, all of which create customizations and guardrails that meet each agency's unique needs.
Protect sensitive data while using it to fight fraud
Downey emphasized that compliance and privacy engineering drive product design, rather than being an afterthought. “Compliance is not a checkbox, it’s built into our design,” he said. Maverick Payments protects sensitive card and bank account data while still generating insights to help risk teams detect fraud early.
He describes it as a balance: protecting customer information while ensuring teams have enough visibility to take action quickly and accurately without exposing private data.
Downey predicts that artificial intelligence and user design will accelerate progress in 2026 and System optimization. These developments will improve authentication and routing accuracy and Onboarding process.
Maverick’s ecosystem andeventually, A joint effort. Downey said technology can scale, but it's the people within the company and across the customer base who drive innovation at scale.
