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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...

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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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Happy holidays–walkin’ in a fraudster’s wonderla...

I have already commented on “secret questions” as the root of all evil when considering tools to reduce identity theft and minimize fraud losses. ...

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Knowledge Based Authentication (KBA) best practices, P...

–by Andrew Gulledge Where does Knowledge Based Authenticationfit into my decisioning strategy? Knowledge Based Authentication can fit into various parts of your authentication process....

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Optimization for mortgage lenders...

By: Wendy Greenawalt In my last blog on optimization we discussed how optimized strategies can improve collection strategies. In this blog, I would like...

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Regional difference can make the difference...

For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...

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Apply optimization to comply with the Credit Card Act...

By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...

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Using maturation curves in early lifecycle treatment s...

In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...

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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...

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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...

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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...

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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...

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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...

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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...

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