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Post Authorization Review

Adeptra supplements traditional fraud detection by penetrating deeper to examine activity on accounts in lower-risk bands.

Protecting consumers from fraud is a never-ending effort and Adeptra is focused on supporting our clients’ goals in this battle.  Fraud prevention steps are typically taken after a series of authorizations are recognized as inconsistent from a fraud detection engine. This leaves a large population of accounts that could be called earlier in the process to confirm the first authorization rather than waiting for the third or fourth transaction to increase the priority.

Adeptra's Decision Engine delivers automated fraud detection communications in real-time the moment a high-risk transaction has been recognized. We target accounts in the lower-risk bands of fraud detection when a single high-risk transaction has just taken place, but the comprehensive risk score is not high enough to warrant an account block and/or fraud investigation. In these situations, Adeptra will make a processing decision based on the location of the transaction, the cardholder, time of day, type of transaction and the amount, in order to recommend an appropriate communication through the best channel. When done in a discreet, automated way such as two-way voice, text, email or alert pushed to a smart phone, the consumer can validate the high-risk transaction and continue using their card without the inconvenience and embarrassment of a card block.

Adeptra's Decision Engine brings value to this process by:

  • Segmenting individuals or groups of authorizations by risk score
  • Packaging merchant and consumer location information 
  • Delivering appropriate communications to confirm activity

Through the process described above, Decision Engine is able to provide real-time intelligent preference-based communications to consumers in the ongoing battle against fraud.
 

Improving Fraud Verification

Adeptra provides an overall view of consumer risk to ensure that the cases with the highest financial exposure receive the most attention.

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I am a Fraud Manager

Identify Fraud Twice as Fast

Adeptra's Fraud Decision Engine eliminates unnecessary account blocks so you can penetrate deeper into lower risk pools to proactively find more fraud. Confirm suspect activity faster by interacting with consumers in every available channel: Voice, Email, SMS and Mobile app.

I am a Customer Service Manager

Engage Your Consumers

Deliver two-way interactive, multi-channel consumer conversations in real-time that are relevant and personalized. Seize the opportunity to engage with your consumers more regularly about important account details and differentiate your process from your competition.

I am a Collections Manager

Increase Collections While Reducing Charge-offs

Maximize right party contacts and self-cure rates by interacting with consumers in every available channel: voice, Email, SMS and Mobile Application. Consider the overall relationship with your consumers to offer personalized payment arrangements and resolve troubled accounts.

I am a Risk Manager

Recognize Actionable Risk Changes

Enable holistic reviews of disparate consumer data sets deliver improved knowledge of their current risk positions. This capability significantly reduces the risk to your company and increases the opportunity to interact and deliver valued add-on services to your consumers.

I want to Reduce Fraud Losses

Confirm Fraud Faster While Increasing Consumer Satisfaction

Deliver two-way interactive conversations to the consumer with relevant content and provide a vehicle to confirm and resolve fraud investigation.

I Want to Improve Collection Rates

Engage Consumers in collections conversations not messages

Deliver, negotiate and resolve the reason for the call without live representative interaction. Achieve 80% success rate in promises kept, with lower costs throughout all delinquency stages.

I want to Enhance Fraud Interactions

Partner with Your Consumers to Defeat Fraud

Examine fraud detection output and post authorization transactions to stamp out fraud earlier. With more consumers connected to their banks than ever before, Adeptra allows you to verify and resolve risk earlier in the transaction cycle.

I want to Enhance Collections Interactions

Increase Dollars Collected and Consumer Loyalty

Give your consumers the ability to self-cure within four separate automated channels. Many consumers prefer to have an automated communication rather than a live phone call. Adeptra delivers personalized conversations to consumers so that they can choose the steps to resolution that meet their needs and the banks.

I want to Redefine Customer Service

Proactively Deliver Service Excellence

Engage your consumers with appropriate, relevant, relationship-defining interactions and information. Today's consumer wants personalized information through their preferred channels.

I want to Talk to Adeptra

Contact Us to Learn More

Adeptra's deep domain expertise gives you the ability to successfully resolve important, time-sensitive issues related to your consumers' accounts by giving you the knowledge and power to revolutionize contact best practices.