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SUBSCRIBED 2018
Fraud Management Strategies:
Reducing Collection Friction to Increase Revenue
Jim Cho
J.P. Morgan
Executive Director,
Technology and
Disruptive Commerce
Craig Hoyt
Kount, Inc.
Partner Business
Manager, Enterprise
Sales Engineer
Paul Farrell
Zoom Video
Communications
Billing Systems
Manager
Kristen
Vandendriessche
Stansberry
Research
Head of Revenue
Strategy and
Operations
Historical perspective on fraud
EMV timeline and impact
1990 2000 2010 2020
1994: Europay, Mastercard and
Visa develop global chip card
specifications
Europe/Middle East
United StatesCanada & Latin America
Asia/Pacific
Current EMV adoption1
 85% of cards
 97% of transactions
Current EMV adoption1
 87% of cards
 94% of transactions
Current EMV adoption1
 60% of cards
 53% of transactions
Current EMV adoption1
 51% of cards
 68% of transactions
1 https://www.uspaymentsforum.org/wp-content/uploads/2017/03/CNP-Fraud-Around-the-World-WP-FINAL-Mar-2017.pdf
2 LexisNexis 2018 True Cost of Fraud Report https://risk.lexisnexis.com/insights-resources/article/e-commerce-fraud-solutions
35%
increase
in card-not-present
fraud from 2017 to
20182
Primary focus has been on retail and Primary Account Numbers.
Fraud’s second wave
Regulatory requirements
and oversight
 PCI
 PSD2
Technology and
convenience complicate
fraud mitigation
 Sign-in credentials vs. Primary
Account Numbers
 Account takeover
 Account creation
Recurring billing considerations
Identifying risks and their impact
 Friendly fraud
 Card testing
 Recurring billing/Card-on-file impact
 Issuance metrics on approvals
 Balancing approval optimization vs. fraud mitigation
 Visa/Mastercard chargeback monitoring programs
The big three fraud types
Account Takeover Account CreationPayment
Subscribed 2019 - Fraud Management Strategies: Reducing Collection Friction to Increase Revenue

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Subscribed 2019 - Fraud Management Strategies: Reducing Collection Friction to Increase Revenue

  • 2. Fraud Management Strategies: Reducing Collection Friction to Increase Revenue Jim Cho J.P. Morgan Executive Director, Technology and Disruptive Commerce Craig Hoyt Kount, Inc. Partner Business Manager, Enterprise Sales Engineer Paul Farrell Zoom Video Communications Billing Systems Manager Kristen Vandendriessche Stansberry Research Head of Revenue Strategy and Operations
  • 3. Historical perspective on fraud EMV timeline and impact 1990 2000 2010 2020 1994: Europay, Mastercard and Visa develop global chip card specifications Europe/Middle East United StatesCanada & Latin America Asia/Pacific Current EMV adoption1  85% of cards  97% of transactions Current EMV adoption1  87% of cards  94% of transactions Current EMV adoption1  60% of cards  53% of transactions Current EMV adoption1  51% of cards  68% of transactions 1 https://www.uspaymentsforum.org/wp-content/uploads/2017/03/CNP-Fraud-Around-the-World-WP-FINAL-Mar-2017.pdf 2 LexisNexis 2018 True Cost of Fraud Report https://risk.lexisnexis.com/insights-resources/article/e-commerce-fraud-solutions 35% increase in card-not-present fraud from 2017 to 20182 Primary focus has been on retail and Primary Account Numbers.
  • 4. Fraud’s second wave Regulatory requirements and oversight  PCI  PSD2 Technology and convenience complicate fraud mitigation  Sign-in credentials vs. Primary Account Numbers  Account takeover  Account creation
  • 5. Recurring billing considerations Identifying risks and their impact  Friendly fraud  Card testing  Recurring billing/Card-on-file impact  Issuance metrics on approvals  Balancing approval optimization vs. fraud mitigation  Visa/Mastercard chargeback monitoring programs
  • 6. The big three fraud types Account Takeover Account CreationPayment