We all want to avoid risk. Whether it is credit risk, reputation risk, or transactional risk, Financial Institutions need to see, understand and avoid different risk scenarios. Risk avoidance is not only tied to regulatory and compliance requirements but this is also a sound business practice. Learn about validating a business for accurate underwriting, avoiding restricted or high risk businesses, identifying ACH origination and return risk, and monitoring changes in a firms risk profile.

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“Argos Risk blends credit
information, economic data and
advanced analytics to highlight
business risks.”
IBM Business Value Outcomes Case 2011

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AGENDA
• Introductions
– Kyle Ray
– Brent Siegel
• Customer Profile
• Q & A
• Recommendations
• Questions from the Audience

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CUSTOMER PROFILE
• Kyle Ray, Vice President
• First Bank of Dalton
– $190 Million in Assets
– 44 Employees
– 4 locations in Dalton, Georgia
– Founded in 1996
– Argos Risk Online user since 2011

5. 5 55
QUESTIONS
• Tell us about First Bank of Dalton – what you focus on, what your
customer base looks like
• When you selected Argos Risk back in 2011 – what were you
looking for? Why did Argos Risk seem like a good idea?
• How do you use Argos Risk today? (for example:
Alert/monitoring? Underwriting? Exam prep? Board reporting?
Running your business? ACH? Vendors?)
• Did you have any surprises when you started using Argos Risk?
Unexpected benefit? Did you find out something about a
client/prospect that you might not have known about?
• Recommendations/parting thoughts?

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Overview
• Company launch ― March 2010
• Developed based on 17+ years experience in credit risk management
• Solid product platform for future feature and product expansion
• Proven model with initial market verification and acceptance
• Multiple product lines
• Partner of PAR
Cloud-based, credit risk management and business identity protection. Subscription
based solutions that provides an online actionable dashboard and alerts that helps
small to medium-sized businesses manage risk and protect their identity.
COMPANY

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Financial Institutions
• ACH and RDC
• Third Party Senders
• MSB’s
• Commercial Credit
• Vendor Management Programs
• Sales and Marketing
• Banks Resell Argos Risk
• RPA’s
Industry
• Over 50 different industries use Argos Risk
• Companies that sell on terms
• Companies that have key vendors
• Companies that are watching their competitors
WHO USES ARGOS RISK?

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ARGOS RISK IS A DASHBOARD SOLUTION

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ABOUT THE FIRST BANK
OF DALTON

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WHAT WERE YOU
LOOKING FOR?

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WHAT WERE YOU LOOKING FOR?
• Current Subscriber Feedback…
– Vendor Management Compliance
– ACH monitoring compliance (KYCC)
– Notification, monitoring on a variety of customers
– Setting ACH limits
– Modeling ACH Risk

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HOW DO YOU USE
ARGOS RISK?

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HOW DO YOU USE ARGOS RISK?
• Current Subscriber Use Case
– Monitor new customers
– Monitor HRI
– Research for underwriting

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ANY SURPRISING
INFORMATION FROM
ARGOS RISK?

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SURPRISES?
• Subscriber Feedback
– Bankruptcy
– Lawsuits
– Executive Changes
– Risky Credit
– Industry Classification
– MSB’s

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LIKES? DISLIKES?
RECOMMENDATIONS
FOR THE AUDIENCE?

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QUESTIONS?

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WHAT DO YOU GET WITH AN ARGOS RISK
SUBSCRIPTION?
• Individual company information – on Originators, TPS and TPS Customers
– 20 credit, business, and ACH scores
– Access to line item detail and business verification detail
– Identification of MSB’s
• ACH modeling of the TPS portfolio
– ACH risk modeling of the TPS customer portfolio
– Portfolio monitoring – KYC, KYCC, KYCCC
• ACH reporting: limits, volumes, risk scores, returns
– Individual business, Consolidated, and Aggregated Reporting
• Revenue generating model
• Interface with core and origination system
• Immediate Email Alerts on scoring changes
– Alerts on newsworthy and risk centric events
• Browser-based, subscription model, no hardware, no software

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CONTACT INFORMATION
Brent Siegel, Vice President
LOCATION
CONTACT
PHONE
4600 W 77th Street, Suite 375
Edina, MN 55435
(952) 314-2095
EMAIL bsiegel@argosrisk.com
Visit us at www.argosrisk.com