Latest Post

Loading...
Using maturation curves in early lifecyle treatment st...

–by Jeff Bernstein In the current economic environment, many lenders and issuers across the globe are struggling to manage the volume of caseloads coming...

Read More Using maturation curves in early lifecyle treatment strategy, Part 1
The TKO of KBA, Round 2 – the gloves come off...

In my last post I discussed the problem with confusing what I would call “real” Knowledge Based Authentication (KBA) with secret questions.   However, I don’t...

Read More The TKO of KBA, Round 2 – the gloves come off
Knoweldge Based Authentication (KBA) best practices, P...

–by Andrew Gulledge Definition and examples Knowledge Based Authentication (KBA) is when you ask a consumer questions to which only they should know the...

Read More Knoweldge Based Authentication (KBA) best practices, Part 1
RORAC vs. RAROC?...

By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...

Read More RORAC vs. RAROC?
The TKO of KBA...

Round 1 – Pick your corner There seems to be two viewpoints in the market today about Knowledge Based Authentication (KBA): one positive, one...

Read More The TKO of KBA
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?
Loan modifications – impact on consumer credit s...

By: Kari Michel The U.S. government and mortgage lenders have developed various loan modification programs to help homeowners better manage their mortgage debt so that...

Read More Loan modifications – impact on consumer credit scores
The value of good decisions and the cost of bad decisi...

The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...

Read More The value of good decisions and the cost of bad decisions
Reponse to reader about proving fraud intent...

By: Kennis Wong It’s true that intent is difficult to prove. It’s also true that financial situations change. That’s why financial institutions have not,...

Read More Reponse to reader about proving fraud intent
Does mortage strategic default really exists?...

By: Tracy Bremmer There has been a lot of hype these days about people strategically defaulting on their mortgage loans. In other words, a...

Read More Does mortage strategic default really exists?
Bay Area Credit Services seeking to enhance performanc...

— by Dan Buell Towards the end of 2007, the management of Bay Area Credit Service embarked on an agressive strategy to dramatically enhance...

Read More Bay Area Credit Services seeking to enhance performance and profitability
Response to reader about “Red Flags” Rule ...

On Friday, October 30th, the FTC again delayed enforcement of the “Red Flags” Rule – this time until June 1, 2010 – for financial...

Read More Response to reader about “Red Flags” Rule enforcement
Underserved market...

By: Kari Michel Most lenders use a credit scoring model in their decision process for opening new accounts; however, between 35 and 50 million...

Read More Underserved market
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
Vintage Analysis Recent Findings | The Risk within the...

Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...

Read More Vintage Analysis Recent Findings | The Risk within the Risk