Yearly Archives: 2009

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DDA and the risk of fraud in the retail bank, Part 1 –...

By: Heather Grover In past client and industry talks, I’ve discussed the increasing importance of retail branches to the growth strategy of the bank....

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Validating your risk-based pricing program – pricing f...

By: Amanda Roth The final level of validation for your risk-based pricing program is to validate for profitability.  Not only will this analysis build...

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Account management, Part 2...

The definition of account management authentication is:  Keep your customers happy, but don’t lose sight of fraud risks and effective tools to combat those...

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Knowledge Based Authentication (KBA) Best Practices, P...

–by Andrew Gulledge Intelligent use of features Question ordering: You want some degree of randomization in the questions that are included for each session....

Read More Knowledge Based Authentication (KBA) Best Practices, Part 4
Account management, Part 1...

Account management fraud risks: I “think” I know who I’m dealing with… Risk of fraudulent account activity does not cease once an application has been...

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Validating your risk-based pricing program – analyzing...

By: Amanda Roth To refine your risk-based pricing another level, it is important to analyze where your tiers are set and determine if they...

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Validating your risk-based pricing program – score val...

By: Amanda Roth As discussed earlier, the validation of a risk based-pricing program can mean several different things. Let’s break these options down. The first...

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Unused credit capacity – a shift opportunity to ...

In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...

Read More Unused credit capacity – a shift opportunity to vulnerability
Improving collections strategy...

By: Kari Michel   Lenders are looking for ways to improve their collections strategy as they continue to deal with unprecedented consumer debt, significant increases...

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Which types of decisions will improve your business be...

By: Roger Ahern It’s been proven in practice many times that by optimizing decisions (through improved decisioning strategies, credit risk modeling, risk-based pricing, enhanced...

Read More Which types of decisions will improve your business benefits?
Does mortgage strategic default really exist? Part 3...

In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...

Read More Does mortgage strategic default really exist? Part 3
Knowledge Based Authentication (KBA) best practices, P...

–by Andrew Gulledge General configuration issues Question selection– In addition to choosing questions that generally have a high percentage correct and fraud separation, consider...

Read More Knowledge Based Authentication (KBA) best practices, Part 3
Shrinking consumer credit – are all consumers created ...

A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...

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Does mortgage strategic default really exist? Part 2...

In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...

Read More Does mortgage strategic default really exist? Part 2
Regulators and risk-based pricing...

By: Amanda Roth During the past few months, we have been hearing from our clients that there is a renewed focus from the regulators/examiners...

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