QUATRRO RISK MANAGEMENT CAPABILITIES OVERVIEW

WHO IS QUATRRO RISK? •  Provider of fraud management solutions that add value

across the full transaction cycle to financial institutions and payment processors  

•  Fraud analytics and operations is all we do  

•  Proven track record; global client base with asset ranges from $200 million to $2 trillion 

•  Currently maintain ten locations across four countries 

•  US HQ in Chicago; global HQ in Gurgaon, India 

•  Have consistently demonstrated dramatic results for some of the industry’s largest financial institutions

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WHAT CAN WE DO FOR YOU? •  Optimize your investment in technology through our expert

analysis to reduce fraud significantly

•  Consistently beat industry averages across a broad range of metrics

•  Replace lost interchange revenue as a result of recent regulatory changes, including the Durbin Amendment

•  Achieve eligibility for debit card transaction adjustment of up to $.01 per transaction per Regulation II of the Durbin Amendment

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•  Improved fraud detection rate from 72% to 93%

•  Reduced fraud loss from $3.4 million to $57,000 per quarter

•  Increased fraud savings from $3 million to over $21 million per quarter

WE’RE ALL ABOUT RESULTS

HELPED LARGE MULTINATIONAL BANK SAVE $187 MILLION IN THREE YEARS

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•  Consistent fraud detection rate of over 92%

•  Within two quarters, reduced fraud losses by more than half

•  Major reductions in average loss per account and bad blocks

•  Delivered a return of $30 for every $1 spent

WE’RE ALL ABOUT RESULTS

HELPED TOP NATIONAL BANK SAVE $141 MILLION IN THREE YEARS

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•  Fraud is an ever-changing threat that resides in multiple channels

•  As hackers grow more sophisticated, your solutions must evolve as well

•  Many institutions rely on technology alone to combat fraud

•  But no matter how advanced, technology can only solve a fraction of the problem

HOW DO WE ACHIEVE THESE RESULTS?

WE KNOW FRAUD CAN’T BE SOLVED BY TECHNOLOGY ALONE

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THE HUMAN ELEMENT IS KEY

•  The best way to protect against fraud loss is to combine good technology with skilled analysis

•  Our core strength and key differentiator: the judgment our risk specialists bring to the analytics equation

•  Dedicated team of Six Sigma-trained analysts for every client

•  This critical layer of human intelligence across the full transaction cycle is the key to managing risk effectively and optimizing your technology platform

•  Continuous analysis of data is critical to identify trends and constantly evolving threats

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AN ARMY OF EXPERIENCED, HIGHLY SKILLED DATA ANALYSTS

Our risk specialists add value at every step of the cycle

They specialize in:

•  Analyzing and resolving cases

•  Making real-time decisions based on system alerts

•  Rewriting transaction processing rules to keep your institution ahead of evolving threats

These skills are essential to mitigating risk, improving fraud detection rates, and increasing profitability

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OUR EXPERT ANALYSTS: SCAN Our analysts will scan your activity 24/7, utilizing various instruments across all banking channels

•  Check

•  Credit Card

•  Online Banking

•  ACH

•  ATM

•  Phone

•  Branch

•  Wire Transfer

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OUR EXPERT ANALYSTS: REVIEW •  Identify suspicious activities

•  Correlate suspicious activity with customer behavior across multiple channels

•  Detect anomalies to spot ‘outlier’ transactions

•  Assess security and risk impact

•  Enforce policy

•  Implement learning in real time

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OUR EXPERT ANALYSTS: DECIDE •  Evaluate whether false positive or not

•  Allow transactions

•  Trigger additional authentication

•  Block transactions

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YOU FOCUS ON YOUR BUSINESS, WE’LL MANAGE YOUR RISK We identify and combat all fraud types, including:

Even if you have separate core systems for each product set, we can connect these subsystems to manage cross-channel fraud using your existing fraud tools.

•  ID Theft

•  Cross-border fraud

•  Account takeover

•  Lost/stolen cards

•  Card-not-present fraud

•  Skimming and counterfeiting

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WE AUGMENT, NOT REPLACE, YOUR EXISTING TEAMS AND TECHNOLOGIES •  Our solution is designed to complement and enhance

your current anti-fraud operations, technologies and workflow

•  We work with your internal teams and the platforms you already have in place

•  We handle the labor-intensive parts of managing fraud so your internal staff can focus on their core missions

•  We offer 24/7 support across all shifts—especially beneficial during peak transaction periods

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KEY CAPABILITIES ANALYTIC EXPERTISE •  Behavioral Scorecard Development

•  Revenue Optimization

•  Portfolio Segmentation

•  Bureau Management

•  Forecasting

•  MIS Automation

•  Basel Modeling

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KEY CAPABILITIES PORTFOLIO MANAGEMENT TRANSACTION MONITORING

•  Credit Cards

•  Prepaid Cards

•  Chargebacks

•  Merchant Operations

•  DDA Transactions

ADVISORY SERVICES

•  Credit Policy and Strategy Review

•  Risk-based Pricing Strategy

•  Collections and Recoveries

•  Fraud Risk Management

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WE’RE EASY TO WORK WITH •  Our solution is platform-agnostic and scalable

•  Implementation is relatively simple, not labor-intensive like a software installation

•  A few phone calls with your IT team is all it takes to establish data access and usage protocols

•  Demands on your staff are minimal; our experienced analysts require no additional training

•  We’re flexible—you can utilize our services 24/7, during high demand periods or any other schedule you choose

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YOU RETAIN COMPLETE CONTROL OVER YOUR DATA •  Your data never leaves your servers;

Quatrro accesses and reviews it remotely

•  We require only a secure connection; you retain complete control at the source

•  No new technology investments required

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SECURE, ROBUST TECHNOLOGY INFRASTRUCTURE Quatrro Risk offers:

•  ISO 27001, DPA and PCI DSS 2.0 Certified

•  Secure and converged Gigabit Speed LAN

•  Perimeter and LAN secured with industry leading IPS & Firewalls

•  State-of-the-art Secure Operating Center with industry leading controls

•  Centralized IT Support accessible via telephone, email and service portal

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YOU PAY ONLY FOR RESULTS Quatrro Risk will reduce operating costs and offers an innovative pricing model with:

•  No up-front capital investment required

•  Shared risk and reward model to deliver the highest value and promote a strategic partnership

•  Ensures deployment of best-of-breed solutions

•  Improve profitability within one month from deployment

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WHY QUATRRO RISK? WE’LL DECREASE FRAUD LOSS AND INCREASE PROFITABILITY RIGHT AWAY AND FOR YEARS TO COME TRACK RECORD OF SUCCESS

•  Deep domain experience across the payment industry

•  Reduce average fraud per account by 4x and increase fraud saves by 15x

•  Clients average 70% increase in productivity and 50% decrease in process costs

OPERATIONAL EXCELLENCE

•  You don’t need to invest in new technology, hire more staff, or endure a long ramp-up period

•  We can scale up easily, improve your bottom line quickly, and evolve with you to combat emerging threats

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LET US PROVE IT TO YOU. CONTACT A QUATRRO RISK MANAGEMENT REPRESENTATIVE OR VISIT WWW.QUATRRO.COM/RISKMANAGEMENT.