Rizal Commercial Banking Corporation (RCBC) is stepping up its cyber defenses, rolling out more advanced fraud detection and risk management systems as financial scams grow increasingly sophisticated—especially during the high-traffic holiday season.
Rizal Commercial Banking Corporation has deployed new artificial intelligence and machine learning tools designed to identify suspicious activity in real time, allowing threats to be blocked before they affect clients.
Jericho Konrad Uy, RCBC Head of Enterprise Fraud Risk, said the bank’s latest investments are reshaping how it protects customers. According to Uy, the new intelligence capabilities allow the bank to detect high-risk anomalies almost instantly and neutralize vulnerabilities before criminals can exploit them.
The upgraded system marks a major shift from traditional, rules-based monitoring to a proactive, intelligence-driven approach. By analyzing massive datasets, RCBC’s AI and ML models can identify subtle changes in user behavior and transaction patterns—signals that static rules often fail to catch.
Unlike earlier systems that required frequent manual updates, the new models continuously learn and adapt on their own, enabling the bank to respond quickly as fraud tactics evolve. This adaptive capability makes RCBC a far more difficult target for increasingly organized and tech-savvy criminal networks.
Uy noted that one of the most serious emerging threats is the growing use of social engineering. Fraudsters are exploiting human trust through spoofed text messages, deepfake voice calls, cloned websites, and forged documents. These attacks are harder to trace as stolen funds are rapidly moved through coordinated mule account networks.
To further protect clients from phishing, unauthorized access, and account takeovers, RCBC announced that its digital banking platform, RCBC Pulz, will shift to a single-device login per account starting January 5, 2026. Under the new policy, each account can only be accessed from one registered device, with all non-primary devices automatically losing access on the implementation date.
With online transactions surging during the holidays, RCBC is also reminding the public to remain vigilant. Clients are urged never to share one-time passwords or personal information, to be cautious of unsolicited messages or calls, and to transact only through official RCBC channels.
Now the fifth-largest privately owned bank in the Philippines, RCBC continues to reinforce its role as a trusted financial partner. Recognized for excellence in customer experience and digital banking, the bank reaffirms its commitment to protecting every client’s financial journey—keeping security, trust, and peace of mind at the center of modern banking.
