ALI Solutions

Traditional decisioning applications are not enough in these turbulent times. Organizations need to act faster and smarter to improve collections, contain losses and stop fraud as soon as possible. At the same time, risk professionals require new levels of granularity and clarity in their decisioning process to target and retain the “best customers” with the “greatest revenue potential,” as well as proactively dealing with unprofitable customers.

That’s why ALI provides Action Optimizer™, a suite of event-based analytic decisioning solutions that help empower organizations to effectively mitigate risk, reduce credit and fraud losses, and increase the profitability of every client interaction at every stage of the credit lifecycle. Each solution within the suite works alone and together to manage customer policy by more accurately understanding customer value and profitability throughout the credit lifecycle. Organizations can design and implement strategies with action-specific customer level predictive models and treatment specific decision flows that help businesses keep pace with rapid changes in transaction behavior, fraud activities and customer’s ability to make payments.

ActionOptimizer Suite includes the following products, each of which can be used standalone or with other products and services from ALI.

ActionOptimizer for EarlyDetection (“EarlyDetection System™”) – accelerates Early-Months-on-Book (EMOB) portfolio management and semi-active existing account assessments for risk, fraud and revenue potential.

ActionOptimizer for Loan Modification ("Loan Mod") – quickly identifies “at risk” customers within performing and non-performing loan populations, and identifies the “optimal” treatment or program for each individual account before it is too late to rectify the situation.

ActionOptimizer for Payment Risk (“NSFGuard®”) – quickly identifies high-risk or fraudulent payments and increases the accuracy of float/no-float decisions.

ActionOptimizer for Treatment Management (“ActionSelect”) – drives optimal treatment decisions at the account level by using action scores, optimization and simulation in accordance with business policies and resources.

Benefits

The ActionOptimizer Suite delivers millions of dollars in bottom-line benefits to many of the world’s most successful companies. ActionOptimizer can help:

• Reduce losses by the early detection of high-risk accounts.
• Grow balances at the account level to build revenue.
• Improve float decisioning to contain fraud.
• Extend cross-selling to high-value accounts.
• Move safely into new, rapidly evolving or emerging, markets.
• Fuse masterfile, transaction and credit bureau data into a single behavior score.

Click here for more information about ALI Solutions and how they can help your organization enhance risk management and improve profitability.