Risk
Prevention

Protection With Every Decision

At TSYS^®, we have a range of risk management solutions to help you handle any situation. Whether you need to evaluate a new opportunity or make a quick decision, we can help you manage and protect against risk with tools that span the entire life cycle of the account.

TSYS provides the following risk management tools:

TSYS CardGuard

The core of TSYS' fraud detection system designed to provide a powerful blend of customized rules and behavioral scoring. Our platforms and systems give you real-time decisioning of transactions based on individually defined rules. This solution, coupled with strategic services support from TSYS Managed Services^SM(TMS), serves as a comprehensive end-to-end fraud solution.

Authorization Decision Strategy (ADS1)

ADS1 is a TSYS solution designed to expand fraud prevention capabilities. It does this by enabling you to decline or refer potentially fraudulent transactions in real time at the point of sale (POS). While TSYS CardGuard^SM serves as our primary fraud detection system, ADS1 serves as an alternative if you are looking to be more proactive with risk management.

ADS1 allows you to interject fraud identification criteria into the authorization process, tailoring our overall authorization decision process to meet the realities of payments card fraud in the marketplace today. The benefits include:

• Potentially fraudulent authorizations can be declined or referred at the POS
• Fraud can be prevented and stopped at the authorization level
• The authorization evaluation process has a large number of criteria available to decision transactions — 50 fraud strategies at client and individual CPC levels
• Client-defined criteria can be grouped into strategies and defined at various levels

Transaction Monitoring & Reporting (TMR)

TMR is a solution designed to detect unusual card transaction activity. When produced and monitored daily, the report package can serve as a risk tool to help mitigate fraud.

• Solution is a proven, turnkey risk management model
• Enables you to become more proactive with fraud mitigation
• Multiple, configurable tracking tailored to your specific needs
• Designated agent monitoring and oversight
• Same-day management escalations of unusual activity
• Monthly reports designed to identify key trends
• Ongoing analysis of product usage in key risk areas
• Lower cost model compared to traditional consumer credit fraud tools
• Fixed monthly pricing structure