Check fraud - it not only won't go away, but it is morphing to keep pace with consumers' digital banking habits. David Barnhardt of Early Warning talks about this persistent fraud threat and how banking institutions should respond to it.

Although the number of checks written by consumers has decreased significantly, the reverse is true about dollars lost to check fraud, says Barnhardt, Vice President of Product Marketing.

"We observe a 29 percent increase in fraud dollars [lost to check fraud] year over year," Barnhardt says. "Yes, checks are declining - caveat: for small dollars - [but] check fraud is still ever-present, and we still see check fraud losses continue to rise."

In an interview about counterfeit checks and fraud, Barnhardt discusses:

Why check fraud won't go away; National financial impact of counterfeit checks; New tools to help detect and respond to fraud.

Barnhardt is Early Warning's Vice President of Product Management. He oversees development and management of deposit and payment solutions. He joined Early Warning in 2014, bringing with him 13 years of executive experience in bank fraud and risk management. During his career, he has done extensive work in mitigating deposit, debit, e-commerce and internal fraud. He has also done significant work in link analysis and collusive ring investigation.