shazam on · • shazam fraud operations 800-537-5427 ext. 2899 • shazam client support at...

SHAZAM onFraudLiz Little – Fraud Consultant

Wednesday, August 16, 2017

Effective Use of SHAZAM Card Blocks

• Overview

• BIN Blocks

• PAN Blocks

• PAN Exclusions

• BOLT$ Cardholder Transaction Blocks

Agenda

• SHAZAM Access/BINs tab• SHAZAM Access/Cards tab• Roles Needed

• CardBlockUpdate• BIN DefaultsInquire• MaintCardInquire

• All SHAZAM Access users can view blocks

• Blocks receive an ISO action code of 108• SSR100 Cardholder Exception Journal

SHAZAM Card BlockOverview

BIN Level Blocks

BIN Level Blocks

Add up to 10 criteria per block

• When to apply

• 3 or more cases of fraud

• Merchant Category Code

• State/Country

• Dollar Amount

• Pinless and Signature vs. All

• Monitor SSR100 Cardholder Exception Journal

• “BF” or “PF”

• Monitor Falcon Case Alerts

• Watch for redundancies

BIN Level Blocks

• When to remove?

• Fraud has “moved on”

• Need to add criteria for new fraud

• Cardholder impact on valid activity

• Monitor SSR100 Cardholder Exception Journal

• Monitor Falcon case alert emails

• May not need to remove blocks not impacting valid activity – China, Hong Kong, Turkey, etc.

BIN Level Blocks

• May be added immediately to avoid fraud• Must provide 30-day notice for proactive alerts

• Blocking all non-US, for example

• Blocks are intended to prevent fraud, not control how cardholders use card

• PAN Blocks• PAN Exclusions

BIN Level Blocks

When to apply:• Use when BIN blocks are preventing valid cardholder

activity

• Revert back to BIN level settings

• Use when you want to restrict certain activity for just one PAN

• Internet, reoccurring purchases

• Monthly fee is minimal, but can add up!

• BIN blocks do not apply

PAN Level Blocks

PAN Level Blocks

From SHAZAM Access Cards screen:

PAN Level Blocks

When to apply:

• Use if you wish to exclude a PAN from all blocks

• Monthly fee is minimal, but can add up!

• BIN blocks do not apply

• Use with caution if you are using BOLT$ and Transaction Blocking**

PAN Exclusions

PAN Exclusions

From SHAZAM Access Cards screen:

PAN Exclusions

PAN Blocks & Excusions

BOLT$ Cardholder Transaction Blocks

• New product announced 6/28/17• Allows cardholders to block specific

transactions• Internet • International• Over certain dollar amount

• Cardholder will receive an alert if an attempt is made and declined

• How does this work with SHAZAM Card Block?


If a cardholder places Transaction Blocks in BOLT$:

• If cardholder setting is BIN level, BIN blocks also apply


If a cardholder places Transaction Blocks in BOLT$:

• If cardholder is at PAN level, PAN blocks also apply


If a cardholder attempts to place Transaction Blocks in BOLT$:

• If a financial institution has a cardholder Excluded from BIN blocks, the cardholder will not be able to set Transaction Blocks in BOLT$

• Financial institution will need to set PAN at either the BIN or PAN setting in order for the cardholder to set blocks in BOLT$

• If cardholder has BOLT$ Transaction blocks in place and FI does PAN Exclusion, cardholder blocks are eliminated

SHAZAM Card Block BIN Maintenance

SHAZAM Card Block PAN Maintenance

• PAN Blocks and PAN Exclusions• Maintenance will show in Transaction History in

SHAZAM Access– Access = maintenance done by Financial Institution– CSAccess = maintenance done by SHAZAM– Mobile = maintenance done by cardholder

• Financial institution has ability to add the BOLT$ Transaction blocks in SHAZAM Access, but should use caution• FI will incur higher billing• Cardholder can override

SHAZAM Card Block PAN Maintenance

• Assistance• SHAZAM Access/Help/Cards• SHAZAM Access/SHAZAM Resource/Cards/Reference

Documents/SHAZAM Card Block Reference Guide

• SHAZAM Fraud Operations 800-537-5427 ext. 2899• SHAZAM client support at 800-537-5427 (options 2, 5)

or SHAZAM® Web Rep

SHAZAM Card Block Help

Questions?Recording will be uploaded to SHAZAM Access/Fraud

Watch/SHAZAM onFraud by August 23 , 2017

800-537-5427 ext. 2899

Thank you!