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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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FICO Analytic Cloud: Your portal for operationalizing analytics and decisioning.
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.Counter-Terrorism Financing
Real-time Sanctions Screening with Siron®
Overview
Sanctions screening & watch list filtering
Increased national and international regulations for payment services, are designed to fight the funding of terrorism. This regulatory burden effects processes for banks, insurance companies, and organizations from the industrial, trade and services sector. Trading with sanctioned persons or organizations is a criminal offence that can result in prosecution, high fines, and loss of reputation. FICO TONBELLER´s sanctions screening software helps obliged entities to mitigate the risk of being misused and meet the requirements of global counter-terrorism financing.
Solution Architecture
Effective sanctions screening
FICO TONBELLER's sanctions screening solution accurately checks customers and transactions for ties to terrorism and significantly minimizes false positives. Business partners and existing customers are continually matched with latest sanction lists. New customers are checked using dynamic KYC questionnaires during onboarding. The sanctions screening system integrates simply and safely with the payment process and automatically blocks suspicious transactions matching watch lists. Risk cockpits grant an up-to-date overview of all compliance and sanctions screening activities.
Customers
Available Products
FICO® TONBELLER Siron® KYC
Product overview
Siron® KYC is an end-to-end solution for managing KYC compliance throughout the customer relationship life cycle. It supports the risk classification process of new and existing customers, including audit-proof documentation. Siron® KYC utilizes third-party databases with ready-to-use interfaces to match customer information with sanction and watch lists, and to automatically identify beneficial owners and politically exposed persons (PEPs).
FICO® TONBELLER Siron® RAS
Product overview
Siron® RAS helps compliance officers to create, continuously monitor and update an institution-specific risk analysis to adopt the mandated risk based approach. It comes with an extensive data base with predefined risk factors and potential prevention measures based on the most-up-to-date industry knowledge. By offering workflow for decentral and interdisciplinary approaches, the product ensures that all risks pertaining to money laundering, terrorism financing and other criminal acts can be identified and assessed to derive and track mitigating strategies in an audit-proof, closed loop system.
FICO® TONBELLER Siron® RCC
Product overview
The active management of risk across lines of business and locations requires an up-to-date central overview of the most important variables. Through cockpits using sophisticated visualization techniques, Siron® RCC grants enterprises a holistic view on their risk analyses including preventive measures and their present risk status.
FICO® TONBELLER® Siron® Embargo
Product overview
To disrupt terrorist funding, Siron® Embargo screens transactions in real-time by matching sender and recipient data with sanction lists. Numerous national and international sanction lists are used, including:
- US Department of the Treasury: Office of Foreign Assets Control (OFAC)
- EU Common Foreign Security Policy (CFSP)
- Her Majesty‘s Treasury (HMT)
- United Nations 1267 Committee's Consolidated List
Transactions with alerts that are triggered by a match with an entry in a sanction list are "frozen" by the system. Transactions without alerts are released immediately and returned to the payment flow. The transaction screening system logs all checks, steps, and decisions for each suspicious activity in an audit-proof manner.
Product overview
Siron® KYC is an end-to-end solution for managing KYC compliance throughout the customer relationship life cycle. It supports the risk classification process of new and existing customers, including audit-proof documentation. Siron® KYC utilizes third-party databases with ready-to-use interfaces to match customer information with sanction and watch lists, and to automatically identify beneficial owners and politically exposed persons (PEPs).
Product overview
Siron® RAS helps compliance officers to create, continuously monitor and update an institution-specific risk analysis to adopt the mandated risk based approach. It comes with an extensive data base with predefined risk factors and potential prevention measures based on the most-up-to-date industry knowledge. By offering workflow for decentral and interdisciplinary approaches, the product ensures that all risks pertaining to money laundering, terrorism financing and other criminal acts can be identified and assessed to derive and track mitigating strategies in an audit-proof, closed loop system.
Product overview
The active management of risk across lines of business and locations requires an up-to-date central overview of the most important variables. Through cockpits using sophisticated visualization techniques, Siron® RCC grants enterprises a holistic view on their risk analyses including preventive measures and their present risk status.
Product overview
To disrupt terrorist funding, Siron® Embargo screens transactions in real-time by matching sender and recipient data with sanction lists. Numerous national and international sanction lists are used, including:
- US Department of the Treasury: Office of Foreign Assets Control (OFAC)
- EU Common Foreign Security Policy (CFSP)
- Her Majesty‘s Treasury (HMT)
- United Nations 1267 Committee's Consolidated List
Transactions with alerts that are triggered by a match with an entry in a sanction list are "frozen" by the system. Transactions without alerts are released immediately and returned to the payment flow. The transaction screening system logs all checks, steps, and decisions for each suspicious activity in an audit-proof manner.
Ecobank thinks global and acts local with a unique implementation of Siron®
Ecobank
Established in 1985 with the headquarters in Lome, Togo, the dual objective of Ecobank Transnational Incorporated (ETI) is to build a world - class pan-African bank and to contribute to the economic and financial integration and development of the African continent. In the early 1980s the banking industry in West Africa was dominated by foreign and state-owned banks. There was hardly any commercial bank owned and managed by the African private sector. ETI was founded with the objective of filing this vacuum. With assets of $22.5 billion at the close of financial year 2013, Ecobank is now represented in 40 countries worldwide, including 36 African nations. With nearly 20,000 employees it is the largest employer in the financial sector in Middle Africa.