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ID Analytics

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  • Tackle Synthetic Identity Fraud Head-on
    Tackle Synthetic Identity Fraud Head-on
    Kevin King and Carmel Maher, ID Analytics and Julie Conroy, Aite Group Recorded: Oct 30 2018 60 mins
    Synthetic identity fraud – the act of creating a fake identity to access goods or services – has become a top-of-mind threat for many American financial institutions. Recent research from the Aite Group suggests that synthetic identity fraud losses equate to 20-30% of all credit write-offs, resulting in total losses between $6-9B annually. Synthetic identity fraud is difficult to distinguish from legitimate consumers and without a specific victim to confirm a crime – this type of fraud carries a low-risk, high-reward proposition for criminals that often sits unidentified in a lender’s credit losses.

    In this on-demand webinar, Kevin King and Carmel Maher from ID Analytics along with Julie Conroy from Aite Group, will provide a comprehensive overview of synthetic identity fraud and discuss the factors contributing to the rising impact of this threat. ID Analytics will share new research findings which outline the key differences between synthetic fraud and traditional fraud and credit risk behavior, as well as describe how synthetics are able to circumvent today’s processes. Synthetic identity fraud is a multifaceted problem, one which has left many lenders feeling helpless. There is light at the end of the tunnel; ID Analytic will share best practices for optimizing your detection and prevention strategy to tackle synthetic identity fraud head-on.
  • Synthetic Identity Fraud: Best Practices to Combat & Prevent the Evolving Threat
    Synthetic Identity Fraud: Best Practices to Combat & Prevent the Evolving Threat
    Kevin King from ID Analytics, Deshietha Partee-Grier from Duetsche Bank & Sandeep Dhadda from Citigroup Recorded: Sep 13 2018 86 mins
    Kevin King, Director of Product Marketing for ID Analytics presented alongside Deshietha Partee-Grier, AVP Financial Crime Investigations Unit and Sandeep Dhadda, Director, Head of Advanced Analytics for CitiGroup on the evolving threat of synthetic identity fraud.
  • Why KBA Won’t Survive the Digital Transformation
    Why KBA Won’t Survive the Digital Transformation
    Scott Hamlin, Product Marketing Manager and Libby Lefanowicz, Innovation Product Manager Recorded: Sep 5 2018 38 mins
    What is your mother’s maiden name? What street did you grow up on? We’re all familiar with answering these types of questions to verify ourselves during account opening or access. Knowledge-based authentication, or KBA, has been an industry-standard identity verification / authentication tool for nearly two decades. When initially deployed, it was highly effective and the friction it created was often overlooked because consumer expectations were different. Fast forward to today – its effectiveness has dropped considerably, and the user experience is widely considered egregious because we live in a digital world where instant is the expectation. In this webinar we’ll discuss how the digital transformation is impacting both consumers and enterprises in such a way that KBA can no longer survive. We’ll demonstrate how innovative ID verification helps enterprises reduce their exposure to fraud risk and deliver convenience that meets the expectations of today’s digital consumer.

    5 Key Takeaways:
    - How evolving consumer expectations impact your enterprise
    - What keeps risk managers up at night
    - Why KBA can’t survive the digital transformation
    - The benefits of ID verification in a digital world
    - ID Analytics’ unique approach to better, faster, stronger identity verification
  • The Next Frontier: Where Alternative Credit Data is Headed
    The Next Frontier: Where Alternative Credit Data is Headed
    Jason Heil, Head of Credit Risk Solutions and Carmel Maher, Senior Product Marketing Analyst Recorded: Jun 28 2018 46 mins
    Over the past decade, the U.S. lending market has seen adoption of alternative credit data in underwriting strategies steadily grow. Initially a fringe technology, today the use of alternative credit data to assess applicants without a bureau score from the three National Credit Reporting Agencies (NCRAs) has become mainstream. Yet even with this spike in adoption, the majority of U.S. credit decisions continue to focus strictly on the traditional credit data offered in a typical FICO score.

    Given this context - what’s the next evolution for alternative credit data in the United States? Which consumer segments and what use cases are the likely next step in lender’s adoption of these powerful and under leveraged insights? Join Jason Heil and Carmel Maher, as they explore the landscape and future state of alternative credit data.
  • Securing the Customer Experience: Verify the ID and the Identity
    Securing the Customer Experience: Verify the ID and the Identity
    Aaron Kline, VP of Product Management and Tim Manglona, Senior Product Manager Recorded: Jan 31 2018 52 mins
    For lenders and service providers, protecting their businesses while preserving the customer experience has never been tougher. Fraudsters are growing more aggressive in their attacks, while consumers are growing more intolerant of the friction involved in authentication. In many ways photo-capture technologies present a compelling solution to this dilemma, improving the customer experience by reducing data entry associated with traditional authentication processes.

    Unfortunately, most of these solutions miss a critical step of verifying the actual identity asserted on the ID. Today, sophisticated counterfeit driver licenses and other forms of government issued IDs capable of defeating document checks are a booming business, allowing fraudsters to pass many image-capture screens. In response, innovative companies looking to leverage photo-capture for authentication are adopting a data-driven strategy that examines both the ID and the identity, protecting their customer experience – and their business.

    In this webinar, ID Analytics experts will:

    • Provide use cases that demonstrate the challenges of authenticating consumers
    • Discuss best practices to safely leverage photo-capture technology
    • Demonstrate a data-driven evaluation of a document and its related identity information
  • Protecting the Peak: Developing Fraud Strategies for Peak Retail Days
    Protecting the Peak: Developing Fraud Strategies for Peak Retail Days
    Kevin King, Director of Product Marketing and Carmel Maher, Senior Product Marketing Analyst Recorded: Nov 8 2017 52 mins
    Every day, identity thieves try any number of approaches to defraud lenders and service providers at account opening…but how do they behave on the biggest retail days of the year? Is fraud more or less common on these days? Do fraudsters alter their techniques to maximize success? As Black Friday and the retail season approaches, this webinar will shed new light on how fraudsters behave during these critical moments, and how that behavior shifts the calculus of fraud strategies seeking to balance business needs and risk

    In this webinar, ID Analytics experts will:

    • Review new research on how application volume and fraud risk shifts during peak retail days
    • Discuss fraud strategy best practices for high application volume periods
    • Detail new solutions and capabilities to help lenders and retailers safely thrive during the retail season
  • Striking the Right Balance: Authentication and the Customer Experience
    Striking the Right Balance: Authentication and the Customer Experience
    Aaron Kline, VP of Product Management and Tim Manglona, Senior Product Manager Recorded: Oct 10 2017 24 mins
    Does your enterprise want to improve your account opening authentication process? How about provide a seamless digital experience when consumers apply at your institution? Digital channel fraud is rapidly evolving, but technology is now available to increase security while reducing friction in the customer journey. Many technologies focus on validating the document a consumer provides for authentication—looking for signs the ID may be fake— yet fail to verify the identity associated with the ID. There are consequences when institutions ignore this gap in authentication.

    In this webinar, ID Analytics experts will discuss:

    • Common authentication challenges and fraud trends
    • How to balance the customer experience with risk exposure
    • A data-driven approach to verifying the identity and the document
  • The New Era of Synthetic Identity Fraud
    The New Era of Synthetic Identity Fraud
    Ken Meiser, VP of Identity Solutions and Kevin King, Director of Product Marketing Recorded: Jul 13 2017 61 mins
    Synthetic identity fraud is on the rise—a recent study from ID:A Labs revealed the fraud rate for synthetic identities has increased more than 100% since 2010.

    ID Analytics wants to help you better understand how to combat this growing problem.

    Join fraud experts Ken Meiser, Chief Strategist, and Carmel Maher, Senior Product Marketing Analyst, as they:

    • Discuss the market trends enabling this growing crime
    • Provide definitions and methodologies of this critical form of fraud
    • Share ID Analytics’ data driven analysis on synthetic fraud
    • Offer a path forward to better and more effectively combat synthetic fraud

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