TransUnion ID Solutions Management
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1 TransUnin ID Slutins Management 6 Cngres Nacinal de Crédit & Cbranzas Fernand Lpez Vice President fzlpez@transunin.ca September 2011
2 TransUnin: Infrmación General Fundada en 1968 Oficina principal en Chicag 3,700 empleads a nivel mundial Presencia en 25 países en ls 5 cntinentes Prvee infrmación a 50,000 empresas Mantiene histrias i de crédit a más de 500 millnes de persnas Prcesa billnes de registrs mensuales Ofrecems slucines para: Risk Management Analytics & Decisining Prevención de Fraude Mercade 2
3 TransUnin: Presencia Glbal Estams en +25 países, en 5 cntinentes. 3
4 Fraud Trends.a crss industry prblem With the advent f technlgy and the internet, fraudulent incidences id are increasingi APACS 2011 reprted that Accunt Takever has increased 18% while all ther fraud types decreased Industry Grup Breaches Surce: Verizn and USSS 2010 Data Breach Reprt Financial Services Hspitality Retail Manufacturing actu Tech Services Business Services Gvernment Media Healthcare Other Surce: Federal Trade Cmmissin Identity Fraud Statistics Websites Telephne TransUnin LLC All Rights Reserved
5 Fraud Envirnment Hw is fraud defined? Fraud Envirnment Where d yu see yur fraud lsses trending? Up, dwn r flat? Hw big is the Fraud Prblem? TransUnin LLC All Rights Reserved
6 The Fraud Prblem Identity Fraud 3 rd Party Bust Out 1 st Party Challenge An individual is a victim f having their identity stlen r persnal infrmatin used withut cnsent An individual subscribes t prducts r services with n intent t pay Benchmark Mature Markets 2% f the ttal fraud lsses Mature Markets: 5-15% f the ttal bad debt Emerging Markets: Emerging markets: As high h as 10% as high h as 35% Market Prblem $12,000,000 *Canada (Mature Market) Based n 2009 payment card fraud lsses apprx $400M $120,000,000 *Canada (Mature Market) Based n 2009 Credit Card Charge Off apprx $800M TransUnin LLC All Rights Reserved
7 Knw Yur Custmer: A cmprehensive identity management slutin must fcus n mre than just preventing fraud Reduce csts by autmating the identity assessment Aut-ppulate rder entry screens Reduce manual reviews Facilitate custmer selfservice thrugh nline channel Integrate easily with existing prcesses and platfrms Verify applicatin infrmatin t prevent fraud Flag high risk addresses, etc. Manage fraud lsses t acceptable levels Identify fraud in highest h risk accunts Defend against accunt pening, accunt takever, and bust ut fraud Operatinal Efficiency Identity Fraud Management What drives the need fr an identity slutin? Balance Fraud Lss and Revenue 7 Regulatry Cmpliance Cnsumer Privacy and User Experience Knw Yur Custmers FACT Act Red Flags Regulatins USA PATRIOT Act FFIEC Multi-factr authenticatin OFAC TCPA cell phne usage Prtect cnsumer ID / accunt acrss channels Prmte security as a brand Make security mre visible t cnsumer Prvide cnsumer slutins that are effective, but nt verly intrusive fr the cnsumer 2011 TransUnin LLC All Rights Reserved
8 Access T Cmprehensive Credit and Nn-Credit Data Surces Imprves The Identity Management Prcess Fraud Victims Assistance Dept. Credit Header Data Credit Reprt Data SSA & Other Data Surces Prperty Files Identity Management Telephne Netwrks Analytics Drivers & Other Licenses Vter Registratin Recrds Assessr Recrds The use f Cnsrtium Data in the Credit Management Prcess prvides a hlistic view f the individual, as well as, increases accuracy and authenticity TransUnin LLC All Rights Reserved 8
9 Glbal ID Slutins ID Management Fundatin Multiple Surce Data Validatin Analytic Decisin Management Multiple data assets t validate cnsumer applicatin acrss y critical path t grwth Develp pattern recgnitin mdels t evaluate multiple data surces. Flexible business rules used in the DC applicatin help drive adptin and create stickiness custmer life cycle is adp a d c ea e TU s current data assets are limited. Additinal Mdel develpment is highly hl dependent d n data assets needed: access custmer s Secure nn credit cnfirmed frauds. bureau infrmatin Factrs/data that will (Gvernment help drive success, Subscriptin, Utilitie when develping s) cmpetitive analytics: Full cnsumer credit Cnsrtium database applicatin data f cnfirmed fraud and full applicatin inf Bad debt/write ff infrmatin Declined applicatins Empwer the business user Eliminating the need fr using expensive and scarce client IT supprt t make these changes TransUnin LLC All Rights Reserved 9
10 High Risk Fraud Alert Cmpares an applicatin details against a natinal database f fraudulent-indicative infrmatin Helps determine when further investigatin may be needed Use befre apprval f: New accunt applicatins (including Internet) Instant credit Depsit accunts Third-party prtfli acquisitin Card reissues Crss sell / up sell ffers 2011 Trans Unin f Canada, Inc. All Rights Reserved 10
11 High Risk Preventin/Detectin Cmpares an applicatin details against Cmpares applicatin data t the credit a member cntributed data and credit bureau database infrmatin append cnfirmed Bustut ntificatins t a cnsumers Credit Bureau file. This prcess triggers a review f the file t identify subscribing credit granters with active trade lines and subscribing credit granters wh have made inquiries f the file ver a predtime frame (typically 30d days). arranged Helps identify cnsumers as verextended r victims f fraud due t multiple recent credit applicatins Clsed fr Cause 2011 Trans Unin f Canada, Inc. All Rights Reserved 11
12 Regulatry and Cmpliance Cmpares cnsumer data with gvernment generated listings Returns names f individuals listed n gvernment watch list verifies cnsumer demgraphic infrmatin against the TransUnin credit bureau database and returns Y/N indicatrs Applicatins include: Knw Yur Custmer (KYC) requirements Cmpliance/regulatry ex. Age cnfirmatin 2011 Trans Unin f Canada, Inc. All Rights Reserved 12
13 ID Verificatin and Authenticatin Reduce fraud and imprve peratinal efficiencies by cnfirming the cnsumer identity via an interactive challenge questin sessin. Deeper identity prfing thrugh ut-f-wallet challenge questins derived frm a variety f data surces Enables yu t authenticate custmer identity during high risk transactins r prir t authrizing access t sensitive infrmatin Allws custmers t self-verify in real time and reduce csts assciated with call center vlume 2011 Trans Unin f Canada, Inc. All Rights Reserved 13
14 Gracias September 2011 TransUnin ID Slutins Management 6 Cngres Nacinal de Crédit & Cbranzas Fernand Lpez Vice President, Glbal ID Slutins fzlpez@transunin.ca 2011 TransUnin LLC All Rights Reserved
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