Wire & EMD Protection

$2M of protection on every transaction.

Wire fraud is the single largest financial threat in real estate. We don't treat it as an add-on. Identity verification and wire risk assessment run on every closing.

Title Insurance Escrow Services Wire & EMD Protection Remote Online Notarization Closing Coordination Seller Net Sheets

Three layers, one transaction

Security at every step.

Identity verification

Every party to the transaction is verified against public records and a valid government-issued ID. You know who's on the other side of the deal before money ever moves.

Wire risk assessment

Before any wire goes out, seller and payoff instructions are evaluated against a multivariable fraud-risk model. Anomalies are flagged and high-risk transactions stop before they go through.

Wire fraud insurance

Eligible wires assessed as low risk are protected by up to $2 million in wire fraud insurance, underwritten by Lloyd's of London. The coverage is built in. You never buy it separately.

The defense routine

Every wire. Every time.

Verify identity

ID + public records check on every party.

Verify instructions

Wire details read back digit-by-digit on a recorded call.

Score the risk

Multivariable model evaluates anomalies before approval.

Fund & insure

Eligible wires execute with $2M of coverage built in.

Tell the difference

Red flags vs. real instructions.

Red flags

Email saying instructions changed at the last minute.
Pressure to act immediately or "lose the deal."
Sender domain looks off by one character.
Reply-to differs from the sender address.
Wire destination is in a different state or country than expected.

Real instructions

Call our office at the number on cleverclosings.com.
Read routing and account back digit-by-digit to a real person.
Initiate the wire at your bank or via secured banking portal.
Save the bank's confirmation number and reference.
Confirm receipt with us within hours, not days.

Mobile EMD

Earnest money from your phone.

No physical checks. No trips to the title office. No wire uncertainty for the EMD. Clients submit their deposit through the portal in four steps, encrypted end-to-end via Stripe, and it lands in escrow within minutes.

1Activate portal access. Email link to log in.
2Find the EMD task. It's in your closing checklist.
3Connect your bank account. Stripe-secured.
4Sign and send. The deposit lands in escrow in minutes.

Clever Closings

Submit EMD

Earnest Money

$5,000

Order FL-26-837

Thank you!

EMD securely received

Connected

Chase •••• 4821

FAQ

Common questions.

How does the $2M wire fraud coverage work?

Wires that pass our risk assessment and meet eligibility criteria are protected by up to $2 million in coverage on each transaction, underwritten by Lloyd's of London. Coverage applies to qualifying losses caused by fraudulent wire diversion. Your closer will confirm eligibility on your specific transaction.

What if my client gets a suspicious email asking them to change wire instructions?

They should not act on it. Wire instructions are sent once. If they get an email saying instructions changed, that's a fraud attempt. Tell them to call our office directly using the number from cleverclosings.com — never a number from the suspicious email.

Is the EMD covered too?

Yes. Every Mobile EMD submission is encrypted end-to-end via Stripe and tracked in the portal. Identity verification runs on the borrower at first login, and the funds settle directly into escrow without any wire instructions changing hands by email.