COVID-19 Checklist for Banks: 6 Changing Fraud Patterns
As consumer spending patterns change in the pandemic, fraudsters are changing to match
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Daniel Melo
Daniel Melo is a senior director for Fair Isaac Advisors, FICO’s consulting practice. Currently focused on the EMEA region and based in Madrid, Daniel has more than 20 years of experience in credit, collections and risk management for large financial institutions in Europe and the Americas. His expertise spans all aspects of the credit lifecycle, working on analytics and scorecard development, strategy and change management, and direct operational management. Daniel has worked extensively solving client problems during volatile economic periods, particularly in credit risk management and debt collection, and in emerging markets.
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COVID-19 Checklist for Banks: Managing Vulnerable Customers
New communications tools must be combined with a focus on each borrower's financial circumstances, to identify vulnerable customers and how to manage them
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COVID-19 Banking Checklist: 5 Risk Recommendations
Segmentation and new variables are among the COVID-19 banking recommendations
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Russian Credit Health Keeps Rising
Following a slide that lasted four+ years, the FICO® Credit Health Index for Russia began climbing in April 2016 and climbed another 2 points last quarter.
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5 Questions Risk Managers Need to Ask About PSD2
The Second Payments Services Directive or PSD2 will bring tremendous changes to the payments world in the coming months. But what does it mean for risk managers? That’s one issue…
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Delinquencies on UK Credit Cards Fall to Two-Year Low
The steady growth in the UK economy is matched by a long-running decline in delinquent card payments. FICO’s latest data from the Benchmark Reporting Service shows that delinquenci…
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Russians’ Credit Health Slides to Six-Year Low
Just as millions of Americans check their FICO Scores to see how their credit is doing, FICO and the National Bureau of Credit Histories (NBKI), Russia’s leading credit bureau, kee…
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Good News and Bad News on UK Student Credit Cards
Here’s the good news: Our latest figures on UK credit cards from the FICO® Benchmark Reporting Service show that the percentage of student card accounts that have two-cycle balance…
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Has Russians’ Credit Health Reached Its Nadir?
As reported today by FICO and NBKI, Russia’s credit bureau, Russian borrowers’ credit health has been falling for two years, and reached a new low in July. The FICO® Credit Health…
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Better Communication with Overdue Customers Is an Award-Winning Strategy for BNP Paribas Bank Polska and Daimler Financial Services
Collections, a trending topic in our blog, is an invaluable tool for providing an outstanding customer experience. The collections unit is one of a firm’s important contact channel…
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