Keir Breitenfeld

Keir Breitenfeld is a senior business consultant supporting Experian’s fraud and identity clients by translating intimate product and service expertise into risk-based and compliance-based operational and strategic successes. Keir has been with Experian for more than 10 years, most recently as Vice President of Product Management and Marketing for Experian’s Fraud and Identity Solutions business. His responsibilities included stewardship of Experian’s comprehensive set of consumer and commercial authentication products and platforms. His background prior to joining Experian in 2005 includes serving as a Director of Product Management with both HNC Software and Fair Isaac Corporation and leading fraud detection and prevention units at Fleet/Advanta Credit Card Services and Capital One Financial Corporation. Keir recently spent time with FinTech start-up, Trulioo, a global identity bureau, where he worked with partners worldwide to maximize market penetration and operational performance in KYC/AML related use cases. Prior to entering the financial services arena, Breitenfeld served in the U.S. Navy as a surface warfare officer aboard the guided missile frigate USS Estocin (FFG-15). He earned a Bachelor of Science in criminology from Auburn University and a Master of Business Administration from Duke University.

All posts by Keir Breitenfeld

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Identity elements are not credentials...

Lately there has been a lot of press about breaches and hacking of user credentials.  I thought it might be a good time to...

Read More Identity elements are not credentials
Why a Risk-Based Approach to Compliance?...

Many compliance regulations such the Red Flags Rule, USA Patriot Act, and ESIGN require specific identity elements to be verified and specific high risk...

Read More Why a Risk-Based Approach to Compliance?
Current Business Drivers and Consequences...

Experian’s Fraud and Identity Solutions team recently conducted a webinar entitled: “A risk-based approach to finding opportunity in today’s market: New approaches to fraud, compliance,...

Read More Current Business Drivers and Consequences
Why a risk-based approach to compliance?...

Many compliance regulations such the Red Flags Rule, USA Patriot Act, and ESIGN require specific identity elements to be verified and specific high risk...

Read More Why a risk-based approach to compliance?
Senate approves legislation to narrow scope of the Red...

The U.S. Senate passed legislation recently that would exempt certain businesses from complying with the Red Flags Rule.  Sponsored by Senator John Thune (R-SD),...

Read More Senate approves legislation to narrow scope of the Red Flags Rule
Red Flags Rule – just weeks until the FTC enforcement ...

As the December 31st deadline approaches for FTC enforcement of the Red Flags Rule, we still seem quite a ways off from getting out...

Read More Red Flags Rule – just weeks until the FTC enforcement date of December 31. Well beyond that for clarity.
Risk-based authentication will play a prominent roll i...

As E-Government customer demand and opportunity increases, so too will regulatory requirements and associated guidance become more standardized and uniformly adopted.  Regardless of credentialing...

Read More Risk-based authentication will play a prominent roll in citizen access to government services
First party fraud detection must finally bridge the ri...

Experian recently contributed to a TSYS whitepaper focused on the various threats associated with first party fraud. I think the paper does a good job...

Read More First party fraud detection must finally bridge the risk management gap between credit policy and fraud policy
Rules vs. Risk...

The overarching ‘business driver’ in adopting a risk-based authentication strategy, particularly one that is founded in analytics and proven scores, is the predictive ‘lift’...

Read More Rules vs. Risk
Red Flags Rule deadline slip continues to tarnish a pr...

Well, in my last blog, I was half right and half wrong.  I said that individual trade associations and advocacy groups would continue to...

Read More Red Flags Rule deadline slip continues to tarnish a pretty good idea.
June 1, 2010 Red Flags Rule Deadline is Just the Begin...

Well, here we are about two weeks from the Federal Trade Commission’s June 1, 2010 Red Flags Rule enforcement date.  While this date has...

Read More June 1, 2010 Red Flags Rule Deadline is Just the Beginning
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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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...

Read More Account management, Part 1
Why a risk-based approach to compliance?...

Many compliance regulations such the Red Flags Rule, USA Patriot Act, and ESIGN require specific identity elements to be verified and specific high risk...

Read More Why a risk-based approach to compliance?
Red Flags Rule..It’s about referral management...

Well, here we are nearly at the beginning of November and the Red Flags Rule has been with us for nearly two years and...

Read More Red Flags Rule..It’s about referral management