ActionOptimizer™ for Payment Risk
Identify risk at the payment level.

ActionOptimizer for Payment Risk ("NSFGuard®") is a predictive analytics software solution that improves float decisioning to contain fraud and increase good account revenue. At the same time, it increases the accuracy of the float versus no-float decision to reduce losses and maintain valuable customer relationships.

NSFGuard is unique in providing decisioning and policy setting at the account and transaction level for maximum effectiveness. Each credit card payment is immediately scored and evaluated for an NSF hold. NSFGuard recognizes high-risk and out-of-pattern transactions and assigns a float decision (such as number of days to hold or percent to hold) based on predefined thresholds and specific business strategies. Float decisions are assigned a strategy and specific action. The solution also includes simulation capabilities and the ability to leverage champion/challenger testing for even greater control over NSF accounts.

Easy to integrate into existing workflows, NSFGuard is available as a powerful, standalone solution. It is available through major processing partners like TSYS.

In addition, NSFGuard can address the special challenges of today’s sub-prime markets. The solution has been proven to effectively identify NSF risk in these markets while maintaining the number of dollars floated.

With NSFGuard, organizations have the precision required to pre-empt fraud losses and the timing needed to balance payment risk against cardholder satisfaction. The result can be a measurable improvement in profitability.

Benefits

Used by 10 of the leading U.S. credit card issuers, NSFGuard can help:

  • Predict performance and set policies at the account level.
  • Restrict availability of funds from high-risk payments.
  • Reduce losses that exceed NSF fees.
  • Increase customer loyalty from low-risk customers.
  • Enhance revenues from high-value customers.
  • Increase revenue from new and current customers while controlling risk.

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