Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a deposit type with a hold type in the policy database, receiving deposit data including an image of a deposit check, applying the plurality of risk factors to the deposit data, and applying the plurality of hold override policies to the deposit data.