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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...
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...
–by Andrew Gulledge Intelligent use of features Question ordering: You want some degree of randomization in the questions that are included for each session....
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...
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...
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...
In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...
By: Kari Michel Lenders are looking for ways to improve their collections strategy as they continue to deal with unprecedented consumer debt, significant increases...
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...
In my previous two blogs, I introduced the definition of strategic default and compared and contrasted the population to other types of consumers with...
–by Andrew Gulledge General configuration issues Question selection– In addition to choosing questions that generally have a high percentage correct and fraud separation, consider...
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...
In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...
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...
I have already commented on “secret questions” as the root of all evil when considering tools to reduce identity theft and minimize fraud losses. ...