Yearly Archives: 2009

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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....

December 30, 2009 by Guest Contributor

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...

December 28, 2009 by Guest Contributor

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...

December 28, 2009 by Keir Breitenfeld

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

December 22, 2009 by Andrew Gulledge

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...

December 21, 2009 by Keir Breitenfeld

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...

December 18, 2009 by Guest Contributor

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...

December 18, 2009 by Guest Contributor

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

December 18, 2009 by Kelly Kent

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

December 17, 2009 by Guest Contributor

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...

December 14, 2009 by Roger Ahern

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

December 14, 2009 by Kelly Kent

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

December 14, 2009 by Andrew Gulledge

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...

December 10, 2009 by Kelly Kent

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

December 10, 2009 by Kelly Kent

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...

December 8, 2009 by Guest Contributor