Yearly Archives: 2009

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

December 7, 2009 by Monica Pearson

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

December 7, 2009 by Andrew Gulledge

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

December 7, 2009 by Guest Contributor

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

November 30, 2009 by Kelly Kent

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...

November 30, 2009 by Guest Contributor

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

November 25, 2009 by Jeff Bernstein

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

November 23, 2009 by Jeff Bernstein

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...

November 23, 2009 by Monica Pearson

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

November 23, 2009 by Andrew Gulledge

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...

November 19, 2009 by Guest Contributor

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

November 16, 2009 by Monica Pearson

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

November 16, 2009 by Keir Breitenfeld

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...

November 16, 2009 by Guest Contributor

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

November 13, 2009 by Roger Ahern

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,...

November 9, 2009 by Guest Contributor