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Use of validation on historical data to evaluate fraud...

Conducting a validation on historical data is a good way to evaluate fraud models; however, fraud best practices dictate that a proper validation uses...

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Risk adjusted pricing for deposits – and other banking...

By: Tom Hannagan This blog has often discussed many aspects of risk-adjusted pricing for loans. Loans, with their inherent credit risk, certainly deserve a...

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ROI: Part 2...

In a previous blog, we shared ideas for expanding the “gain” to create a successful ROI to adopt new fraud best practices  to improve. ...

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Collection optimization for Telco providers...

By: Wendy Greenawalt Given the current volatile market conditions and rising unemployment rates, no industry is immune from delinquent accounts. However, recent reports have...

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Loan modifications – another use for credit attributes...

A recent article in the Boston Globe talked about the lack of incentive for banks to perform wide-scale real estate loan modifications due to...

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Return on Investment definition...

By definition, “Return on Investment” is simple: (The gain from an investment – The cost of the investment) _______________________________________________ The cost of the investment...

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DDA and the risk of fraud in the retail bank, Part 2 –...

By: Heather Grover In my previous entry, I covered how fraud prevention affected the operational side of new DDA account opening. To give a...

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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....

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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...

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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...

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