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									COMPROMISE MANAGER™
   Pennsylvania Credit Union
         Association

  TBS/CardSource & Pass Thru platforms


Helping Clients Prevent More Fraud…Faster


                  Bob Goot, Fraud Product Management
COMPROMISE MANAGER™

          ◊ Industry Trends
          ◊ Issuer Challenges
          ◊ COMPROMISE MANAGER™ - The
            Solution
          ◊ Product Benefits
          ◊ Screens
          ◊ Letters/IVR scripts/Reports
          ◊ Enrollment
          ◊ Questions


                                     1
        U.S. Issuer Fraud Types Trends
       Counterfeit and Card Not Present Fraud on the Rise


 Millions
                                                   2000-2006
$150        Not Received as Issued

            ID Theft
$125        Counterfeit              Compromises

            Lost
$100        Stolen

            Card Not Present
$75


$50


$25


 $0
       2Q 0
       3Q 0
       4Q 0
       1Q 0
       2Q 1
       3Q 1
       4Q 1
       1Q 1
       2Q 2
       3Q 2
       4Q 2
       1Q 2
       2Q 3
       3Q 3
       4Q 3
       1Q 3
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       3Q 4
       4Q 4
       1Q 4
       2Q 5
       3Q 5
       4Q 5
       1Q 5
       2Q 6
       3Q 6
       4Q 6
          06
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
          0
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       1Q




                                                               2
              DATA BREACHES REPORTED
                        as of 02/01/08




Source: etiolated.org                    3
                      Card Data Compromise Incidents by
                                   MCC

                       Visa has identified between 8-10 compromise incidents per
                       month on average 2006. In 2007 that has risen to 15 per month
                           Restaurants
                               5812
                               (75)
                              40.1%

                      70                                                                                   Others
                                                                                                            (56)
                      60                                                                                     30%
Number of Incidents




                      50
                      40             Universities
                                         8220    Clothing
                      30                         Retailers Sporting   Direct Com puter Catalog Specialty
                                         (17)                         Mktg
                                                   5691     Goods             EQ/Soft Merchant Shops                Agents
                      20                 9.1%                          5969
                                                   (10)      5941              5045     5964     5999                 (6)
                                                   5.4%                 (6)     (5)      (4)      (4)
                                                              (4)                                                    3.2%
                      10                                     2.1%
                                                                       3.2%    2.7%     2.1%     2.1%

                       0
                                                           Merchant Category Code (MCC)

                           Total Number of Compromise Incidents = 187 January 2005 to February 2007
                                                                                                                             4
                Compromised Accounts
                         Issuer Challenges

Enormous Resources Required to Manage Compromised
  Accounts
      Receive and manage alerts/events from Visa/MasterCard
      Identify potential fraud exposure- review each account manually
      Weigh customer inconvenience to total issuer cost/exposure
      Monitor activity ongoing
      Connect fraud losses to alerts for compliance and recovery
      Analyze reports for points of compromise
      Determine member notification channel
      Lose member to another issuer’s card
      Estimate up to $25 in total expense to reissue a card
  Customers identify the credit union as being under
     attack- especially if impacted more than once

                                                                         5
   Issuer Exposure & Customer Inconvenience
              “The Balancing Act”

• Do Nothing
   – No Cost but Total Exposure
   – Less than 10% of all compromised accounts hit with fraud
• Block All Accounts
   – Reduce Most Exposure- However 90% of accounts fraud-free
   – Inconvenience to All Members
   – Expense to Issuer, Lost Interchange and Reputation
• Selectively Block Accounts
   – Limit Exposure and Limit # of Members Impacted
   – Delay Block with Plastic Reissue
       • Limits Member Inconvenience and Issuer Expense
• Selective Spending Controls
   – Limits Exposure and Expense, No Plastic Reissue Involved
   – Limits Member Inconvenience
   – Requires Tighter Scrutiny of Compromises by Issuer
                                                                6
           COMPROMISE MANAGER™
                       Issuer Solution


Issuer Solution
 FIS is an additional endpoint for Events/Alerts from MasterCard
  & Visa
 Event data stored in COMPROMISE MANAGER Database
 Daily refresh of key cardholder data displayed for risk
  evaluation
 Account Level updates are applied automatically to card
  platforms
    Event #, Event Date, Event LTD # & Severity Level
    Provides for Fraud Monitoring in Neural Network
 User Interface Provides Easy to Use Point and Click Options via
  Web
    Secured Accessed @ www.compromisemanager.com
                                                                    7
           COMPROMISE MANAGER™
                      Issuer Solution

Issuer Actions Available:
 Account Blocking Options
    Immediate
    Delay with Card Activation (TBS) or Specified Date (PT)
    No Block
 Cardholder Notification Options
    Optional Use of Generic or Custom Letters
    IVR makes cardholder calls automatically
 Reissue Options
    Reissue Decisioning with Plastics (TBS)
    Accelerated Reissue (PT)
 Ability to Update EWB and Purge Dates
Account Monitoring capability with FIS Neural Network - FREE
                                                               8
          COMPROMISE MANAGER™
                Benefits

BENEFITS
SAVES $$$$ in administrative cost:
      Eliminates Manually Keying
      Time to Pull & Review Cardholder Data is Reduced
      Automates Letter Generation and Phone Calls
      Reduces reissue costs through selective blocking
      Reduces expense associated with Lost/Stolen reporting
      Provides an Audit Trail for activity taken on accounts
         Account Tagged with Event # on platforms for review
         Memos on Platforms
         History Screens within COMPROMISE MANAGERTM



                                                                9
         COMPROMISE MANAGER™
               Benefits

BENEFITS
Mitigates losses through timely card blocking and monitoring
  capabilities
    Provides the tool to review cardholder level data for
     reissuing decisions online or by data mining the data offline
    Use FIS Neural Network to monitor activity on compromised
     accounts

Provides for Customer Convenience and Maintains Customer
  Confidence
    Allows cardholder to continue spending with various reissue
     options
    Provides automated mechanism(s) to notify cardholder
    Allows member to continue using YOUR Credit Union card
                                                                 10
                       NEW DELAY BLOCK Option
                             TBS Issuers

Delay Block Functionality
   – Issuer decides balance between risk and member
     convenience
   – Member Can Continue to Use Card
   – No Disruption to Cardholder
   – No Lost Interchange to Client
Process
   – Current Card Remains Active/Open
   – New Account Plastic is Issued
   – Upon Card Activation* of New Account:
           •   Current Card is automatically blocked and placed in EWB
           •   New Card credit limit reduced Immediately
           •   Member continues to spend with no interruption
           •   If no activation after 14 days, Current Card Automatically Blocked
*   Card Activation service required
                                                                                    11
          NEW SPECIFIED DATE BLOCK Option
                  Pass Thru Issuers

SPECIFIED DATE BLOCK
   – Issuer decides balance between risk and customer
     convenience
   – Cardholder Can Continue to Use Card
   – No disruption to cardholder
   – Issuer continue to receive Interchange
Process
   –   Identified Date in Future to Place Block On Pass-Thru Account
   –   Identify EWB settings
   –   Client enters new account to Pass-Thru and Core (same process)
   –   Client orders plastics
   –   On Future Date current card on Pass-Thru is automatically blocked
   –   EWB updates applied at same time as future date


                                                                           12
            NEW ACCELERATED REISSUE Option
                   Pass-Thru Issuers

FUNCTIONALITY*
    – Reissue Same Account Number (embossed on card)
    – Modify Current Expiration Date
    – Card Activation Disables Current Card, Enables New Card
    – Applies to All Reissue accounts
BENEFITS
    – Customer Convenience
          • Continues to Spend without interruption
     – Credit Union Satisfaction
          • Continue to receive interchange without interruption
          • Fraud is mitigated through new CVV/CVC offset & CVV2/CVC2 code
          • Easier Administration
               – No new account record set up required on Core and Card System
               – Eliminates Transfers associated with typical Lost/Stolen accounts on FIS
                 products, e.g. ScoreCard, LetterChecks, and FastTrack (no old to new
                 account transfers required)

*Pin and Signature Debit must process through FIS Pass Through

                                                                                            13
     NEW ENHANCED RISK BLOCKING SERVICE
               Available on Pass-Thru Platform


    FIS has pioneered the next generation of Fraud Mitigation:
                   ENHANCED RISK BLOCKING
• To help combat fraud and reduce losses when dealing with Flash-
  Fraud and Card Compromises
• Facilitates Temporary Block Strategy Options
   – BIN only (current process)
   – *Account Level only (PAN- Primary Account Number)
   – *BIN and PAN - Combine universal BIN blocks with tailored
     PAN blocks/unblocks

   *New process on Pass Thru system to complement
     COMPROMISE MANAGER with spending controls, with no
     plastic reissuance

                                                                    14
         COMPROMISE MANAGER™ &
               VAA CER ID

Proven way to provide additional lift in fraud protection

FIS COMPROMISE MANAGERTM Total Solution
   – Provides a way to link the specific alert number to the
     authorization when writing fraud strategies
       • ALERT # and SEVERITY LEVEL provided to neural network
   – Support for BOTH Visa and MasterCard authorizations
   – Applies to all EVENTS and ALERTS regardless of accounts involved
   – No additional cost for Falcon users for this additional data to be
     provided

Visa Advanced Authorizations- New CER ID
   – Provides a way to link the specific alert number to the
     authorization when writing fraud strategies- CER ID
   – Supported for Visa only and for Alerts with >500 accounts only
   – Priced at $.0001 per authorization


                                                                      15
            Data Flow for COMPROMISE MANAGER


                                                   FIS Uploads Account Info to
              FIS Imports Events upon               COMPROMISE MANAGER
                 Email Notification                (1 Business Day Lead Time)
Visa/MC Alerts/                       FIS- Fraud
                                                                                  CM DataBase         C/H Data Provided to
    Events                            Prevention
                                                                                                      User Interface Daily


                                                                                                Cardholder
                                                                     Event Info                    Data
                                                                                                                                 CM
                                                                     Update to                 Refreshed to
                                                                                                                              Applicatoin-
                                                                    Cardholder                   CM Daily
                                                                                                                                USER
                                                                      Account                     (Initial
                                                                                                                             INTERFACE
                                                                    (updated in                  Refresh
                                                                       Batch)                   Same Day)

                                               Event# & Severity
                                FIS Neural
                                               Level provided for
                                 Network                                    Mainframe Systems
                                                    Account                                                         ACTIONS TAKEN BY
                                                 Monitoring (If               (TBS,B2K,PT)
                                                 using Falcon)
                                                                                                                     USER UPDATES
                                                                                                                     MAINFRAME and
                                                                                                                    PRODUCE OUTPUT




                            CM Reports




                                                             Letters                                    IVR Calls
                                                                                    Plastics

                                                                                                                                             16
COMPROMISE MANAGER™




        Sample Screen Content*

    Check out our product DEMO at
 www.fisriskmanagement.com

  *screens vary by platform slightly
                                       17
COMPROMISE MANAGER™
         Log In User Level




 User Login ID established during enrollment. Security
 Contact identifies who can register online.


                                                         18
             COMPROMISE MANAGER™
                Register New User




User ID and Password
emailed back to user.
Separate IDs per platform
                                    19
   COMPROMISE MANAGER™
        Client Level Event Review




You’ll see just your CORP or Mainbank



                                        20
COMPROMISE MANAGER™
     Alert/Event




          This screen lists the events
          that can be viewed in detail
                                         21
              COMPROMISE MANAGER™
                                Alert Details




This is a Pass Thru
screen. Screens
vary by platform

       This screen is used to manually select
       Accounts for action, or select all


                                                22
               COMPROMISE MANAGER™
                            Account Details

Key Cardholder Data Refreshed Daily to Assist in Making Risk
  Decisions*:
     –   Account number
     –   Cardholder name
     –   Account Status
     –   Last activity date
     –   Open-to-buy/ Available Balance
     –   Credit Limit (TBS)
     –   Expiration date
     –   Last Emboss Date/Last Reissue Date
     –   Card activation Status
     –   Account Delete Flag (PT)
     –   Last XMIT Maint date(PT)
     –   Last CICS Maint date (PT)
     –   Product/Sub Product (TBS)
     –   Institution ID (TBS)

* Varies By Platform


                                                               23
              COMPROMISE MANAGER™
                              Download/Upload
                                               Very useful with a large compromise that
                                               has many accounts to be reviewed.




Entire event can be downloaded to your pc in
Excel to data mine. Upon review you can then
upload to take action on selected accounts




                                                                                          24
COMPROMISE MANAGER™
     Alert History




                 IMP = Import accts
                 IB = Immediate Block
                 SB = Specified Block
                 EWB = EWB
                 LTR = Letter
                 IVR = Dialer


                                        25
            COMPROMISE MANAGERTM
                        Optional Letters


GENERIC LETTERS
• Already Available in the Product for use today
    – Pricing is based on your current fee schedule for letters/notices
• Letters pull down specific issuer and cardholder data to make it ready
   to use out of the box
• See Output Service Custom Letter Package to view Samples

CUSTOM LETTERS
• Ability to Brand to your Marketing Strategy
   – Logo
   – Verbiage
   – Signatures
• Additional Fees Apply
• See Output Service Custom Letter Package for pricing and enrollment
  process

                                                                        26
                                                       Generic Letters
                                        Sample for “Immediate Block”

Today’s Date

(FI Name)
(Address)

 (Cardholder Name)
(Address)

Account number ending in:   (xxxx)                                                                Reference #: (Event   #)

Dear (Cardholder     name):

We have recently been notified that your (FI Name) (Visa/MC) (debit/credit) account may have been part of a compromise. In order for us to continue
to maintain the safety and security of your card account data, we are taking the step of issuing a replacement card for you. A new card with a new account
number is being processed and should arrive within the next 10 business days.

Effective immediately, your existing card will no longer function. Should you have any pre-authorized, recurring payments setup to come from your blocked
account, please notify the merchant(s) of your new account number when received.

We ask that you carefully review your account statements and notify us of any unauthorized activity. You will not be held accountable for fraudulent charges on
your account.

If you have any questions regarding this issue or do not receive your new card within 10 business days, please call the Customer Service number listed on your
monthly statement.

Your understanding in this matter, and your continued use of (FI   Name)’s card products is appreciated.

Sincerely,

Card Services
                                                                                                                                                       27
                             IVR Cardholder Call
                             Used for Immediate Blocks


                             Actual script for TBS

Hello. This message is for (Cardholder Name). This call is from your (FI name) (Visa/MC) service
center. We have recently been notified that your (Visa/MC) (credit/debit) card account number ending
with XXXX may have been compromised. In order for us to continue to maintain the safety and
security of your card account data, we are taking steps to issue you a replacement card. A new card
with a new account number is being processed and should arrive within the next 10 business days.
Your existing card will no longer function as of today. Should you have any pre-authorized, recurring
payments setup to be issued from your blocked account, please notify the merchants of your new
account number when received. Please call us at the Customer Service number identified on your
cardholder statement should you have any questions. Thank you.




                                    Calls are made between 9:00 am and 9:00 pm in the
                                    Cardholder’s respective time zone.

                                                                                                   28
                                 IVR Cardholder Call
                             for Immediate Block (optional)


                        Actual Script for Pass-Thru

Hello. This message is for (Cardholder Name). This call is from your (FI Name) (Visa/MC) service center. We have
recently been notified that your (Visa/MC) (credit/debit) card account number ending with XXXX may have been part of a
security breach. In order for us to maintain the safety and security of your card and account data, effective immediately,
your existing card is blocked from further usage and future purchase attempts from this card will be declined. If a
purchase attempt was recently interrupted, we sincerely apologize for the inconvenience. Please call us at the Customer
Service number listed on your monthly statement should you have any questions or concerns. Thank you.




                                       Calls are made between 9:00 am and 9:00 pm in the
                                       Cardholder’s respective time zone.




                                                                                                                   29
           COMPROMISE MANAGERTM
              New Reports via E-report Delivery


Report Name

• CM Blocked/Reject Report
  This report will detail accounts blocked as well as those accounts not
  actioned by CM, because the card was already statused, or not found.
• CM Outbound Call Report
  This report will provide details on outbound dialer calls to indicate
  successful, out of service phone numbers, etc. as an audit for the
  outbound IVR dialer call process.
• CM Letter Distribution Report
  An audit report for outbound letters to provide address letter was
  mailed to, status and Date letter was processed.
• CM Quarterly Accounts Listing
  This report will provide a statistical listing with totals of accounts
  involved in a compromise by Quarter, including Y-T-D totals.

                                                                           30
                      Client Testimonial

Jeanifer King, Card Services Coordinator
O Bee Credit Union
Pass-Through participant

“With all the cardholder data elements right in front of me on
   COMPROMISE MANAGER, I'm now able to easily pick out those
   accounts truly at risk based on their 'available balance' or status. It's
   extremely convenient, easy to use, and eliminates lots of keystrokes!
What's really great is when I have to complete a fraud claim with CUNA
   Mutual on a counterfeit account. Now I have the actual alert #
   required and can pull it right off the cardholder screen on Pass-
   Through.
Lastly COMPROMISE MANAGER takes the decision making process off my
   shoulders. The system tells me what type of alert I am dealing with
   i.e. High, Medium, Low. This makes it easy to determine what process
   would best fit the alert.

Thank you for all your help with this - it's a great program.”

                                                                           31
                   Enrollment Package


Contact your Credit Union Service Representative for enrollment packet

Includes:
 Enrollment Checklist Form- as some forms are optional
 Amendment to Service Agreement
 Institution Enrollment form- required
 Security Contact Form- required
 User Access Form
 Visa/ MC Third Party Authorization forms – optional based on how
  received currently
 Custom Letter Setup Form (optional)

• Implementation Process- lead time approximately 2 weeks
• Receive Confirmation Letter from FIS upon setup completion


                                                                         32
                PRODUCT TRAINING CLASS
                       optional

• User Friendly and Easy to Use System integrates
  maintenance to cardholder platforms
• Product Documentation Available on E-library

Product Training Session*
• Optional Training Available through FIS Education
• Education provides link to webinar session
• Product training session includes :
   –   COMPROMISE MANAGER System Navigation
   –   Uploading and Downloading
   –   Action Options available
   –   Mainframe Screens and Reports
   –   Reminders, Tips and Tricks

   *Standard $99 fee applies for Education Product Training
                                                              33
             Other Product Information


For Additional Information:
• Check out the FIS E-Library for COMPROMISE MANAGER product
  documentation
• View a Product demo at www.fisriskmanagement.com
• Ask your Credit Union Service Representative


    Don’t wait for the next big compromise…start
          managing your alerts/events NOW!




                                                           34
    COMPROMISE MANAGERTM Pricing


• One Time Enrollment Fee- $250/platform
• Monthly Access fee- $25/Corp or Mainbank




                                             35
COMPROMISE MANAGERTM




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