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In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...
–by Jeff Bernstein In the current economic environment, many lenders and issuers across the globe are struggling to manage the volume of caseloads coming...
–by Andrew Gulledge Definition and examples Knowledge Based Authentication (KBA) is when you ask a consumer questions to which only they should know the...
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...
Round 1 – Pick your corner There seems to be two viewpoints in the market today about Knowledge Based Authentication (KBA): one positive, one...
Many compliance regulations such the Red Flags Rule, USA Patriot Act, and ESIGN require specific identity elements to be verified and specific high risk...
Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...
In my previous three postings, I’ve covered basic principles that can define a risk-based authentication process, associated value propositions, and some best-practices to consider....
In my previous two blog postings, I’ve tried to briefly articulate some key elements of and value propositions associated with risk-based authentication. In this...
In my last blog posting, I presented the foundational elements that enable risk-based authentication. These include data, detailed and granular results, analytics and decisioning. ...
The term “risk-based authentication” means many things to many institutions. Some use the term to review to their processes; others, to their various service...
By: Kennis Wong As I said in my last post, when consumers and the media talk about fraud and fraud risk, they are usually referring to...
Analysis opportunity for vintage analysis Vintage analysis, specifically vintage pools, present numerous useful opportunities for any firm seeking to further understand the risks within specific portfolios....
By: Kennis Wong When consumers and the media talk about fraud and fraud risk, nine out of ten times they are referring to third-party...
Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...