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Risk Management

First DataSM Risk Management offers a substantial breadth of products to help you address risk and fraud across the entire customer lifecycle. As an industry leader in risk management, our experience and expertise can help you limit losses while maintaining a high level of customer satisfaction in the face of increasing and emerging fraud trends. We offer highly customized, innovative solutions that enable you to stay ahead of emerging trends to effectively manage risk and detect, prevent and reduce fraud.

In this suite

Fraud Prevention

Tools to help prevent credit and debit card fraud.

First Data Fraud Prevention helps you combat fraud on the front end of the customer life cycle with secure card activation, customer authentication and notification about potential fraud concerns.

First Data Advantages

The best time to manage risk is before trouble starts. First Data offers you real-time solutions that leverage our extensive understanding and experience to help you stay on top of fraud and identity theft trends.

Key components

  • Card activation
  • Authorization name match
  • Card Value (CV) validation
  • Lost/stolen processing
  • Return mail processing (Enhanced RAPID℠)

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Fraud Detection

Innovative solutions for detecting transaction fraud.

First Data Fraud Detection helps identify fraudulent credit and debit card transactions with real-time authorization scoring and enables you to securely manage your return mail for plastics and monitor internal transactions for potential fraud.

First Data Advantages

First Data is an industry leader with the experience to stay ahead of industry trends and help limit losses from fraudulent transactions. Our Neural Network Technology is integrated with extensive transaction data to provide a distinct advantage in fighting fraud.

Key components

  • First Data Falcon™ Scoring
  • Fraud Risk Identification Services (FRIS)
  • Fraud detection call processing
  • Fraud Predictor Plus
  • Return mail processing (Enhanced RAPIDSM)
  • Internal fraud detection

Customer Success Stories
When Firstbank Corporation, with more than 40 community banking locations in central Michigan, began experiencing an increase in debit card fraud, it turned to First Data for help—and the results have been dramatic.

Learn how First Data helped TruMark Financial realize a 7 percent increase in ATM transactions, a 16 percent increase in revenues and a 24 percent decrease in expenses.

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Fraud Resolution

In-house and outsourcing options for managing fraud disputes.

The First Data Online Fraud Resolution System manages the dispute and fraud process using data from the mainframe. Utilize our research and investigation tools yourself or let us handle any or all aspects of dispute resolution for you.

First Data Advantages

Our Online Fraud Resolution solution uses a dispute management system to increase efficiency and improve customer service in the dispute resolution process. With fraud research and investigations, you’ll get flexible options for investigating fraud and improving your recovery results with our trained Security Representatives.

Key components

  • Fraud and dispute management tools
  • Fraud and dispute management service

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Authentication Services

State-of-the-art tools to verify customer identity.

First Data Authentication Services let you verify the identity of your customers using extensive consumer data and streamlined authentication systems to manage the risk of identity theft and fraud.

First Data Advantages

As one of the industry’s most in-depth data sources, our superior authentication tools help you gain new customers and retain your existing ones. We offer authentication solutions designed with federal regulations in mind that reduce manual reviews and help you stay ahead of identity theft trends.  

Key components

  • SafeID Verification ScoreSM
  • SafeID Address ScoreSM
  • SafeID QuestionsSM
  • SMR (Customer-Selected PINs)
  • Verified by Visa®
  • MasterCard SecureCode®
  • Compliance with federal regulations, including FACTA and PATRIOT Act
  • TeleCheck® New Account Screening Service

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Credit and Payment Risk Management

Data sources and predictive modeling that help mitigate risk.

Our Credit and Payment Risk Management Solution combines improved data sources, cutting-edge analytics, communication tools, payment acceptance and customer management to assess and manage payment risk effectively.

First Data Advantages

First Data offers a one-to-one approach to payment risk management that allows you to balance risk effectively while continuing to maximize quality customer acquisition and retention. Our solution utilizes cutting-edge predictive analytic models that provide more individualized risk assessment with increased productivity.

Key components

  • Credit extension and approval
  • Credit risk management
  • Payment risk management

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Collections & Recovery

A comprehensive set of options to help maximize your collections efforts.

First Data End-to-End Collections and Recovery Solutions provide data sources, analytics capabilities, communications tools and process management to maximize your collections efforts and minimize your risk.

First Data Advantages

First Data offers some of the most comprehensive data in the industry and pairs it with strategic predictive analytics, allowing you to reach the right customers with the right tools. We’ll help maximize your resources and increase productivity by understanding where to focus your efforts for the highest return.

Key components

  • Data solutions
  • Strategic predictive analytics
  • Payment solutions
  • Communications tools
  • Host collections
  • Delinquency and over-limit processing
  • Charge-off processing
  • Collections and recovery management platforms
  • TRS DDA Collection Service

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Products and services are subject to change without notice and may not be available in all regions. Restrictions may apply to certain services.