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Learn how BMW sped up its customer communications
“Using FICO Customer Communication Services, we get a secure, highly flexible, robust solution with a low cost of entry, and we can leverage the expertise of a valued partner, which allows our in-house maintenance support to focus on other key internal priorities and platforms.”
- Wayne Orchowski, CEO BMW
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Customer data is more widely available than ever, but leveraging data to drive smarter decisions requires new thinking and a new kind of agility. Cloud-based decision management – the seamless marriage of data-driven insights and codified decision logic with applications that reach your customers where and when they want – is the key to operationalizing analytics to automate and optimize customer engagements. The FICO Analytic Cloud is where this journey begins…Learn about FICO Products and Solutions whenever is convenient for you.
Careers At FICO
Are you ready to fulfill your potential? FICO offers big career opportunities in Big Data Analytics from California to New York, London to Bangalore and Beijing.Enterprise Fraud
Holistic Fraud Protection
Overview
Fraud is everywhere. It’s pervasive, invasive and harms customers, merchants and institutions alike. Fraud threatens to compromise not just business results; customer relationships are at stake, too.
Around the world, organizations look to FICO® Enterprise Fraud Management solutions for world-class capabilities to prevent, detect and resolve financial fraud, across any payment method or customer channel – including mobile, apps and social media.
When you successfully protect customers from fraud, their satisfaction soars. Only FICO delivers fraud protection with a holistic view.
Falcon Platform
FICO® Falcon Platform
The FICO® Falcon® Platform provides event processing, monitoring, rules management and case management services for monetary and non-monetary transactions. These include payments such as payment card authorizations, posting, ACH, wire, person to person, deposit, online payments and bill pay, and mobile banking activity. The Falcon® Platform features an open, extensible architecture, delivered either on-premises or in the cloud, helping institutions maximize the value of their fraud prevention investment.
The Falcon® Platform’s core capabilities can be used in conjunction with one or more Platform Modules for payment products such as Credit, E-Payments, Online Banking, Debit, Mobile Payments, Pre-Paid and more. It also monitors data across the channels and products to provide customer-level decisioning.
Customers
Available Products
FICO® Application Fraud Manager
Product overview
Prevent first-and third-party application fraud through detection across multiple products and channels. Gain access to world-class analytics that can be deployed quickly to protect new products and enhance existing fraud investments.
FICO® Application Fraud Manager can help businesses in any industry to stop credit fraud where it starts: at the point of application. This FICO solution gives firms in a wide range of industries – banking, insurance, telecommunications, retail, government and more – access to FICO’s market-proven, industry-leading analytic technology.
FICO® Card Compromise Manager
Product overview
Around the world, criminals are stealing payment card data and using it to make fake cards that quickly accumulate fraudulent charges. What if your organization could quickly find out exactly which customers’ card data was compromised, before their stolen card information was used to make a torrent of fraudulent purchases? With FICO® Card Compromise Manager, you can.
FICO Card Compromise Manager is an anti-fraud solution that proactively detects and prioritizes compromised merchants and data breaches, automatically alerting fraud teams. A powerful companion to FICO Falcon Fraud Manager, it can analyze and detect card present, card not present (CNP) and ATM fraud originating from compromised merchants and ATMs.
FICO® Consumer Fraud Control
Product overview
Data breaches and card theft have made personal financial safety consumers’ top concern. FICO® Consumer Fraud Control is a mobile app solution that empowers consumers to configure card usage controls and transactional alerts, for greater peace of mind.
Building on FICO’s market-leading fraud models, Consumer Fraud Control allows consumers to easily shield themselves from potential fraud, as well as closely manage daily card use. With it, they can proactively monitor account and card activity, control and limit spending, and instantly pause card function in the event of suspected fraud or loss.
FICO® Falcon® Fraud Manager
Product overview
As the foundation of the FICO® Falcon® Platform, FICO® Falcon® Fraud Manager provides core analytic processing power from artificial intelligence to handle an organization’s transactional fraud detection needs such as debt, credit, deposit, ePayments and mobile. It can be used to process events, develop strategies to detect fraud and create cases, and execute associated decisioning across an institution’s products, channels and customers.
FICO® Falcon® Fraud Manager provides deep insight into fraud trends and activity, available on-premises or in the cloud. Powered by FICO’s market-leading predictive analytics, it can adapt to changing fraud trends to detect up to 50% more fraud than rules-based systems.
FICO® Identity Resolution Engine
Product overview
FICO® Identity Resolution Engine (IRE) adds a critical dimension to the fight against fraud by proactively identifying and investigating the true identities of perpetrators and fraud rings. FICO Identity Resolution Engine allows institutions to classify identities and other entities and correlate relationships through their data. Identity Resolution Engine applies predictive graph analytics by analyzing linkages between people, places, documents, and events. Subsequently IRE can generate prescriptive alerts that empower organizations to prioritize fraudulent activity.
IRE is utilized in numerous industries across the public and private sectors to target the detection of organized fraud rings committing financial crimes through bust-out fraud, fraudulent health claims, and other nearly undetectable methods.
FICO® Retail Fraud Manager
Product overview
FICO® Retail Fraud Manager helps retailers to quickly and cost-effectively combat in-store and online returns fraud. Fraud and abuse in returned items costs the retail industry $16.8 billion per year in the U.S. alone. In addition to financial loss, retailers face another challenge: how can they determine which returns involve fraud or abuse without falsely identifying legitimate returns, and without impeding the transaction?
This FICO solution detects fraudulent returns in real time using industry-leading analytic models and rules management technology, to help investigators efficiently manage cases.
Product overview
Prevent first-and third-party application fraud through detection across multiple products and channels. Gain access to world-class analytics that can be deployed quickly to protect new products and enhance existing fraud investments.
FICO® Application Fraud Manager can help businesses in any industry to stop credit fraud where it starts: at the point of application. This FICO solution gives firms in a wide range of industries – banking, insurance, telecommunications, retail, government and more – access to FICO’s market-proven, industry-leading analytic technology.
Product overview
Around the world, criminals are stealing payment card data and using it to make fake cards that quickly accumulate fraudulent charges. What if your organization could quickly find out exactly which customers’ card data was compromised, before their stolen card information was used to make a torrent of fraudulent purchases? With FICO® Card Compromise Manager, you can.
FICO Card Compromise Manager is an anti-fraud solution that proactively detects and prioritizes compromised merchants and data breaches, automatically alerting fraud teams. A powerful companion to FICO Falcon Fraud Manager, it can analyze and detect card present, card not present (CNP) and ATM fraud originating from compromised merchants and ATMs.
Product overview
Data breaches and card theft have made personal financial safety consumers’ top concern. FICO® Consumer Fraud Control is a mobile app solution that empowers consumers to configure card usage controls and transactional alerts, for greater peace of mind.
Building on FICO’s market-leading fraud models, Consumer Fraud Control allows consumers to easily shield themselves from potential fraud, as well as closely manage daily card use. With it, they can proactively monitor account and card activity, control and limit spending, and instantly pause card function in the event of suspected fraud or loss.
Product overview
As the foundation of the FICO® Falcon® Platform, FICO® Falcon® Fraud Manager provides core analytic processing power from artificial intelligence to handle an organization’s transactional fraud detection needs such as debt, credit, deposit, ePayments and mobile. It can be used to process events, develop strategies to detect fraud and create cases, and execute associated decisioning across an institution’s products, channels and customers.
FICO® Falcon® Fraud Manager provides deep insight into fraud trends and activity, available on-premises or in the cloud. Powered by FICO’s market-leading predictive analytics, it can adapt to changing fraud trends to detect up to 50% more fraud than rules-based systems.
Product overview
FICO® Identity Resolution Engine (IRE) adds a critical dimension to the fight against fraud by proactively identifying and investigating the true identities of perpetrators and fraud rings. FICO Identity Resolution Engine allows institutions to classify identities and other entities and correlate relationships through their data. Identity Resolution Engine applies predictive graph analytics by analyzing linkages between people, places, documents, and events. Subsequently IRE can generate prescriptive alerts that empower organizations to prioritize fraudulent activity.
IRE is utilized in numerous industries across the public and private sectors to target the detection of organized fraud rings committing financial crimes through bust-out fraud, fraudulent health claims, and other nearly undetectable methods.
Product overview
FICO® Retail Fraud Manager helps retailers to quickly and cost-effectively combat in-store and online returns fraud. Fraud and abuse in returned items costs the retail industry $16.8 billion per year in the U.S. alone. In addition to financial loss, retailers face another challenge: how can they determine which returns involve fraud or abuse without falsely identifying legitimate returns, and without impeding the transaction?
This FICO solution detects fraudulent returns in real time using industry-leading analytic models and rules management technology, to help investigators efficiently manage cases.
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Royal Bank of Scotland
Enterprise Fraud & Security Case Study
For several years, card issuers in the UK had been noticing an alarming trend: card fraud losses had been steadily increasing. In three consecutive years, net losses from fraud increased 25%; then another 28%; and then yet another 41%. “Many banks were experiencing a significant impact on profits due to rising levels of fraud losses. In addition, we were concerned about the negative impact fraud had on our growing customer base,” said Alasdair Grant, Director, Risk at Royal Bank of Scotland. Managers were worried that UK payment card issuers were becoming increasingly attractive targets for fraud rings and sophisticated criminals.
“We wanted to do what was necessary to be at the forefront of fraud prevention—while still building our card business,” added Mr. Grant. “And we needed to see results quickly. That’s what led us to FICO."
Learn how Royal Bank of Scotland engaged with FICO in a fraud detection partnership.