Proactive Risk Manager — part of ACI's UP Payments Risk Management solution — delivers enterprise fraud management capabilities, including advanced machine learning, predictive analytics and expertly defined rules, to help card issuers, acquirers and financial institutions identify and mitigate financial fraud and help reduce the compliance burden.
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Proactive Risk Manager Modules
Payments Intelligence with Proactive Risk Manager
Proactive Risk Manager for ACI Model Generator
The need to build out and access advanced predictive models is in demand now more than more ever. The ACI Model Generator powered by machine learning helps organizations rapidly adapt predictive models and business rules to fast-paced conditions in 24/7 reality. The ACI Model Generator supports the complete model development process in mere hours, allowing for easy access to examine and analyze data, calculate scenarios and document key modeling steps. The ability to build, evaluate and deploy models is unlimited.
Proactive Risk Manager for Enterprise Risk
Proactive Risk Manager for Enterprise Risk helps institutions fight identity theft and account takeover, two of the fastest growing crimes. By monitoring account activity across all lines of business, Proactive Risk Manager enables users to see more fraudulent activity in a shorter amount of time, minimizing losses and helping to preserve the customer relationship.
Proactive Risk Manager for Debit and Credit Card Fraud Detection
Proactive Risk Manager for Debit and Credit Card Fraud Detection compares the characteristics of each transaction with the recorded patterns of behavior for every cardholder. It assesses the risk of each transaction using a variety of parameters and accumulated statistics, which it maintains and recalculates in real time.
The models are based on each issuer’s card portfolio rather than industry data. This custom modeling technique enhances the system’s fraud-detection capabilities, which produces lower false positives and provides maximum protection of the “value at risk”. Users can periodically update custom models to adapt to emerging fraud patterns.
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Proactive Risk Manager for Merchant Fraud Detection
Proactive Risk Manager for Merchant Fraud Detection identifies subtle patterns of fraudulent behavior by comparing deposit/authorization activity against the merchant’s historical activity in these areas. The system also detects suspicious cardholder transactions. If a pattern is found, the transaction is flagged for review, allowing the merchant to take prompt and appropriate action. Proactive Risk Manager’s ability to recognize fraudulent activity and learn from experience provides a proactive method of reducing losses incurred from merchant fraud.
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Proactive Risk Manager for Wire Transfer Fraud
Financial institutions using Money Transfer System to wire money domestically and internationally have the ability to selectively monitor wire activity using the solution’s real-time interface with Proactive Risk Manager. With Proactive Risk Manager, financial institutions can mitigate risk associated with wire transfers while balancing the need to meet customer expectations and service-level time frames.
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Proactive Risk Manager for Anti-Money Laundering
Proactive Risk Manager for Anti-Money Laundering is a comprehensive monitoring and detection solution that helps identify unusual activity and offers a fast track to compliance. Proactive Risk Manager offers the power of expertly defined rules and strategies for fast, accurate and flexible response to the evolving money laundering problem. For those institutions requiring advanced levels of analytics with a business-intelligent solution, a custom neural network can be added to provide an increased level of risk protection.
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End-to-End Fraud Management
Proactive Risk Manager accepts transactions from any retail or wholesale bank channel and easily interoperates with existing authorization and end-of-day batch processing systems. It defends against every type of fraud, including debit, credit, online banking, wire, ACH/BACS, as well as account takeover, credit abuse and money-laundering, enabling comprehensive end-to-end fraud management.
Unparalleled Payments Fraud Protection
Immediacy matters when it comes to fighting fraud. ACI’s real-time enterprise fraud management includes:
- State-of-the-Art Adaptive Machine Learning: Our unique architectural approach facilitates real-time reacting and adapting to new fraud signals, driving fast decision making and responses to emerging fraud threats. The solution is designed to incorporate fraud and payments data through proprietary or third-party modeling and analytic capabilities.
- Shared Intelligence Approach to Leverage Cross-Industry Knowledge and Data: By leveraging cross-industry knowledge and data, ACI has a unique lens in the marketplace on fraud management. Fraud intelligence gathered through ACI’s extensive and global card-not-present and card-present fraud prevention network allow our global risk analysts and consultants to deliver standard and bespoke fraud strategies augmenting prospect/customer fraud teams.
- Unrivaled Real-Time Payments Fraud Screening: ACI has more than 20 years of experience delivering fraud offerings for detection and prevention controls in the transaction path. Working with issuers, acquirers, merchants, processors and card networks, we’ve designed real-time detection controls and prevention techniques for enterprise risk management that have been beating the fraudsters for decades.
Real-Time Payments Intelligence
Proactive Risk Manager’s scalable, high-processing transactional throughput delivers real-time machine learning decisions enabling you to quickly and accurately identify emerging fraud trends before they impact you and your customers.
- Mobile alerting
- Transaction monitoring
- Incident monitoring
- Anti-money laundering (AML) Solutions
360-Degree Customer Views
Proactive Risk Manager tracks non-monetary and monetary transactions for a complete view of enterprise customer activity. It provides single and multi-institution capabilities to meet and enhance your needs today and tomorrow, as you grow or acquire.