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Multi-Channel Deposit Account Fraud And Vendor Solutions

発行 Mercator Advisory Group, Inc. 商品コード 200715
出版日 ページ情報 英文 30 Pages
納期: 即日から翌営業日
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マルチチャンネル預金口座詐欺とベンダーのソリューション Multi-Channel Deposit Account Fraud And Vendor Solutions
出版日: 2011年06月15日 ページ情報: 英文 30 Pages






  • 小切手
  • 電信/ACH
  • デビットカード/ATM
  • オンライン/モバイル


  • ACI
  • Early Warning Services
  • FICO
  • First Data
  • FIS
  • Fiserv
  • MasterCard
  • Visa


  • Durbin Amendment条項(ドッド・フランク金融規制改革法)
  • 法人口座の乗っ取り
  • オンライン認証
  • 詐欺システムの配信
  • 協調の問題
  • 「マルチチャンネル」への対応が十分であれば「企業規模」の詐欺管理が無用になる可能性はあるか
  • 著作権情報




Boston, MA -- Debit cards represent only one access device through which fraudsters might attack a depository institution' s account assets. Though cards supporting "signature" debit (and, to a smaller degree, PIN debit) have enabled fraudsters to access deposit accounts through fraudulent point-of-sale or card-not-present purchases, the variety of schemes that target demand deposit accounts (DDAs) often utilize multiple channels and access devices to target the cash itself in fraudulent withdrawals and transfers.

Check fraud, ACH fraud, wire transfer fraud, ATM fraud, and online banking and mobile banking fraud (in addition to debit card fraud) collectively comprise what we' ve come to know as deposit account fraud. Since fraud schemes that target the DDA through multiple channels are proliferating, the business case for implementing a multi-channel fraud solution has never been clearer.

Mercator' s new report, Multi-Channel Deposit Account Fraud and Vendor Solutions, discusses and tries to answer these essential questions: How are these schemes being executed today by fraudsters hoping to exploit financial institutions' vulnerabilities? How are the solutions that vendors have brought to market evolving to counter these threats? This report reviews extant research and data to illuminate today' s DDA fraud landscape, provides case examples of recent fraud schemes that target deposit accounts, and profiles selected vendor solutions that help banks and payment processors manage fraud risk associated with at least one channel or device that accesses DDAs.

"A variety of point solutions exist in the market to address the risks associated with DDA fraud of different types in a specialized fashion, often looking at only one aspect of the usage of the instrument or channel without providing the user with a comprehensive understanding of the account-level behavior that underlies the broader customer relationship," David Fish, Senior Analyst at Mercator Advisory Group and author of the report comments. "Some of these solutions have evolved more recently to do exactly that, or to at least aspire to multi-channel and even "enterprise-wide" fraud management. The path to a comprehensive DDA fraud solution has been paved by specialists in various channels, however, with best-of-breed solutions in debit card fraud, for instance, requiring significant modification when applied to a different type of payment instrument or access channel."

Highlights of this report include:

Cash is a high priority for financial criminals committing payments fraud, and the variety of access devices and channels associated with demand deposit accounts makes them an increasingly attractive target.

Debit card data compromise is a chief concern to DDA risk managers due to the fact that counterfeit cards can be used both for fraudulent purchases at the point-of-sale and at ATMs for fraudulent withdrawals if the PIN has also been compromised.

Solutions vendors have typically specialized in one kind of fraud prevention over another, but the varieties of access to DDAs necessitate a broad view on the part of risk managers.

Vendors offering more comprehensive solutions tend to have aggregated point solutions that were developed by their acquisition targets ??? consolidation and rationalization of these has finally produced compelling results.

Strategic concerns for DDA risk include the outcome of the Durbin debate, the rising focus of fraudsters on commercial accounts, the ways in which vendors deliver and support their fraud risk management solutions, and the coming revisions to the Federal Financial Institution Examination Council' s (FFIEC) guidance for online authentication.

One of 12 exhibits in this report:


This report is 30 pages long and has 12 exhibits.

Companies mentioned in this report include: ACI Worldwide, Aldi, American Bankers Association, Comerica, CyberSource, Early Warning Services, Experi-Metal Inc., FFIEC, FICO, First Data, FIS, Fiserv, Global Payments Inc., Hancock Fabrics, LastPass, MasterCard, Michaels, NACHA, Pulse EFT, RSA, Verizon, Visa.

Table of Contents

Executive Summary


Six Ways ' til Sunday - Fraud Schemes Increasingly Target Deposit Accounts through Multiple Channels

  • Check
  • Wire / ACH
  • Debit Card / ATM
  • Online / Mobile

Fraud Solutions from Selected Vendors

  • ACI
  • Early Warning Services
  • FICO
  • First Data
  • FIS
  • Fiserv
  • MasterCard
  • Visa

Conclusion - Strategic Concerns for DDA Risk Managers

  • The Durbin Amendment
  • Corporate Account Takeover
  • Online Authentication
  • Fraud Systems Delivery
  • The Issue of Collaboration
  • Can "Enterprise Wide" Fraud Management Languish if "Multi-Channel" Will Suffice?
  • Copyright Notice


  • Figure 1: Fraudsters Access Deposit Accounts Through Several Channels and Devices
  • Figure 2: Total Card Payment Volume Shifts Toward Debit
  • Figure 3: Dump Sellers Capitalize on Level of Detail
  • Figure 4: Skimmers Turn Attention Back to ATMs
  • Figure 5: For Debit, Fraud Migrates to Signature and Card-not-Present
  • Figure 6: PIN Debit Less Vulnerable
  • Figure 7: Counterfeit Cards Account for Most Fraudulent Signature and PIN Debit Purchases
  • Figure 8: Payment Card Numbers Still Primary Target of Hackers
  • Figure 9: Phishing Schemes Increasingly Target Larger FIs
  • Figure 10: ACI Secure Marketing Material
  • Figure 11: First Data FastData Screenshot
  • Figure 12: Visa Risk Manager Screenshot
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