ACI Proactive Risk Manager™ is a comprehensive fraud detection solution to help card issuers, merchants, acquirers and financial institutions combat fraud schemes. From strategic user-defined rules to powerful neural network technology using custom modeling techniques, Proactive Risk Manager provides the means to cost effectively reduce losses and limit an organization’s risk exposure.

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ACI Proactive Risk Manager for Enterprise Risk
ACI 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.

ACI Proactive Risk Manager for Debit and Credit Card Fraud Detection
ACI 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 and 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.

ACI Proactive Risk Manager for Merchant Fraud Detection
ACI 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.

ACI Proactive Risk Manager for Anti-Money Laundering
ACI 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.

ACI Automated Case Management System
The ACI Automated Case Management System offers customers the flexibility to automate activities and processes across the complete lifecycle of a case. The solution is a basic framework that defines processes for researching and resolving cases, including investigation resources, timeframes, escalation paths and alerts. The Automated Case Management System also acts as a central repository for case histories and resource activities to provide organizations with centralized auditing capabilities.

ACI Automated Case Management System for Anti-Money Laundering
The ACI Automated Case Management System for Anti-Money Laundering provides customers with the business benefit of reducing the need for internal resources of having to spend needless time on compliance requirements. The Automated Case Management System also allows customers to automate the escalation and notification processing of potential non-compliance exposure. Since all activities and tasks are managed under the system from a process standpoint, it also provides the centralized auditing and reporting needs required for regulatory “proof of compliance”.

Contact us today to learn more about ACI Proactive Risk Manager.