#paymentasiareviews - risk management model ecommerce industry

RISK MANAGEMENT BY DESIGN

Intercept Risk Services

Offer Real-time Risk Management Services into the

ecommerce industry

Assist the ecommerce Merchant in ensuring a positive

and profitable CNP base

A flexible Risk Management Service provider that offers

easily integrable Risk Management Solutions

Offer Risk Management Solutions suited to maintaining a

favourable customer experience

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Provide ecommerce Merchants with a collection of Risk

Solutions to effectively combat online fraud

Risk Services Overview

Real Time Transaction Management

Transaction Assessment

Profiling

Automatic Verification

Manual Verification

Real Time Transaction Management

Automated Risk Engine Transaction Assessment

Sophisticated Transaction

Monitoring Engine

Automated scrubbing of Negative

and Positive Databases

Real-time transaction monitoring

parameters

Flexible Solution – Outputs can be

defined to Merchants Business

Model

Comprehensive Transaction audit

tracking

Real-time Customer Linking; IP,

Machine ID, Software ID, Session

ID

Multiple Payment platform support

A dedicated and skilled team of Risk

Assessors

Outputs generated from Risk

Engine are manually assessed for

negative behaviour

Provide Risk recommendations on

transactions reviewed

Global transaction screening

Geographic Management

Governance Management

Chargeback Monitoring

Fraud Syndicate Profiling and

Monitoring

Risk Management

Assist in compiling a comprehensive base Risk Rule Set

Assist in the continuous management of the Merchant’s Risk Rules

Assist in compiling detailed Business Management rules

Adjust and introduce Risk Management parameters where and when required

Create and maintain Positive and Negative databases

Detailed Risk Analysis

Chargeback Prevention and Analysis

Comprehensive Fraud Syndicate Modelling

Cost Of Fraud Prediction

Exposure Management

Elevated Analysis

Customer Creation

Deposit/

Funding

Monies Out/

Delivered Goods

Profiling

Geographic Information

Online accessed profiling of various aspects/attributes related to the eccommerce industry. Merchants have the ability to track customer global negative behavior as well as keep abreast with industry related topics.

Customer Details

Regular profiles are created for each impacted geographical region globally. Allowing the eccommerce Merchant to access information about average earnings per household, online access, current ocurrences i.e. economic updates etc. expenditure

Negative Customers are profiled and daily updates can be accessed with regards to activity noticed.

Customer Information

Negative Customers are profiled and daily updates can be accessed with regards to activity noticed.

Merchant Accessible

Profiling - Continued

Geographic Information

CNP Fraud Updates

Regular profiles are created for each impacted geographical region globally. Allowing the eccommerce Merchant to access information about average earnings per household, online access, current ocurrences i.e. economic updates etc. expenditure

Regular updates are posted with regards to the current global trends as per CNP fraud. This includes information surrounding recent disclosed data security breaches etc. This allows the Merchant to implement the nessessary precautionary Risk measures.

Governance

Regular updates are posted surrounding industry specific related governance issues

Merchant Industry Related

Merchants can access updated information related to their individual Business Industry.

Automated Verification

Verification Engine

Real-time Customer Persona

Verification

Mutiple Countries Supported

Mutiple ID Types Supported

Flexible Solution – Verification

Attributes can be set per Business

Model

One on One Verification, Manual

Batch Verification or Automated

Verification

Unnessessary Duplicate Verification

of a single Customer across multiple

transactions

Manual Customer Verification

Telephonic

Verification/Cutomer

Welcomed

Specialised Skilled

Verification Assessors

Specialist Call Risk

Call Scripts

Multiple Language

Support

Detailed Audit stored

Specialist Identity

Document Assessment

Monies In –

Purchase

Transaction

Monies Out –

Shipped Items

Customer Account

Creation

Fraud Syndicate Detection and Monitoring

Fraud Detected

Fraud Synopsis Created

Exposure Management

Pre-empt Future COF

Stakeholder Reporting

Solutions Implemented Tracking

Reference Guide

Processor Reporting

Fraud Syndicates are systematically and manually

detected

Details are analysed and profiles created

Global Alerts are forwarded into Merchant base

Counter measures are implemented and

transaction movement assessed

Exposure Reports are utilised

Cost Of Fraud Reported

Transactions are automatically assessed against

all previous recorded Fraud Syndicate details