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To calculate the expected business benefits of making an improvement to your decisioning strategies, you must first identify and prioritize the key metrics you...
I’ve recently been hearing a lot about how bankcard lenders are reacting to changes in legislation, and recent statistics clearly show that lenders have...
Conducting a validation on historical data is a good way to evaluate fraud models; however, fraud best practices dictate that a proper validation uses...
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...
In a previous blog, we shared ideas for expanding the “gain” to create a successful ROI to adopt new fraud best practices to improve. ...
By: Wendy Greenawalt Given the current volatile market conditions and rising unemployment rates, no industry is immune from delinquent accounts. However, recent reports have...
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...
By definition, “Return on Investment” is simple: (The gain from an investment – The cost of the investment) _______________________________________________ The cost of the investment...
By: Heather Grover In my previous entry, I covered how fraud prevention affected the operational side of new DDA account opening. To give a...
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....
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...