ALI Solutions

ActionOptimizer for Early Detection ("EarlyDetection System™") is a proven predictive analytic solution that provides a competitive edge to risk managers by delivering preemptive risk decisioning for Early-Month-on-Books (“EMOB”) and semi-active account portfolios – at their fingertips. These early assessments allow companies to take proactive measures to expand rewards and reduce latent risk.

EarlyDetection System delivers the power of a six-month score after the very first day’s use. By aggregating a unique combination of client origination data, with transaction details and non-tradition data, and applying proprietary predictive models, a quality score is produced as early as the first day of new account activity. The models and associated strategies are deployed through a flexible decisioning platform. Early Detection gives risk managers the ability to manage strategies, control cutoff and decision parameters, perform champion/challenger and strategy simulations against multiple historic data sets, and quickly migrate new strategies to production – all without direct IT involvement. By accelerating EMOB assessments, EarlyDetection System can help organizations identify high-risk accounts that require balance containment actions – all while encouraging retention of core customers through new offers and benefits.

As a result, organizations can now predict the likelihood that an account will experience late-stage delinquency and initiate direct customer contact while the relationship is still intact. In addition, organizations have the confidence to move with greater safety into new or emerging markets, backed by the ability to accurately determine the potential for both revenue and risk.

Inactive and semi-active account with large open credit lines present a real risk of fraudulent use and a large potential liability for card issuers. Accurately determining the risk at an account level is critical. EarlyDetection System helps improve balance control ratios and quickly take preemptive risk actions, revoke unused credit lines and reduce latent credit risks.

The volatile economic conditions require the ability to easily and quickly modify strategies to match marketplace drivers. With so much risk in today’s credit arena, the industry needs a new way to quickly access accounts. EarlyDetection System is the answer.

Benefits

Already used by major companies around the world, Early Detection can help:

• Effectively manage accounts from the first day of use.
• Reduce losses by the early detection of high-risk accounts.
• Grow balances in high-value accounts to build revenue.
• Extend cross-selling to core customers.
• Move safely into new markets.
• Set precise decision control at the account level.

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