Industry White Papers and Technical Writing

Technical white papers, articles and blog posts specific to the payments and risk industry.

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  • Three Reasons ATO Needs to be a Priority this Holiday Season and Three Strategies to Address It

    White Paper Cover ATO Risk StrategiesOverview: This white paper focuses on account takeover to specifically discuss why ATO risk should be top of mind for organizations as they prepare final risk management strategy tune-ups ahead of the eCommerce holiday shopping season, as well as provides considerations and strategies for combating this risk.

    Download the Report: Three Reasons ATO Needs to be a Priority this Holiday Season and Three Strategies to Address It


  • 3 Strategies to Stop Identity Fraud Before it Hurts Your Bottomline

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published August 17, 2022

  • Is this Really a New User? Detecting Fraud and Abuse at Account Opening

    2022 Account Opening Fraud White Paper CoverOverview: Many fraud and abuse events begin at the account opening or creation event, but assessing risk at this stage is a difficult balance. At the very beginning of the customer life-cycle journey, there is a need to be mindful of any potential friction. While it is natural to lean towards user experience at this stage, any fraud or abuse that can be snuffed out at an early point in the customer journey saves operational and screening costs that would occur later on the path to an eventual order decline or, worse, a fraud loss. The focus of this white paper is to discuss the different types of attacks and fraud that organizations face at the account opening event, as well as strategies to mitigate both “hard” and “soft” attacks pertaining to automated screening and manual processes.

    Download the Report: Is this Really a New User? Detecting Fraud and Abuse at Account Opening


  • Account Takeover and Alternative Payments: Understanding the Impact of the Fraud Economy

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published May 24, 2022

  • E-Commerce and Omni-Channel Fraud Following the Digital Acceleration (2021)

    Omni Channel Risk Post COVID White Paper CoverOverview: This white paper examines the trends and common themes associated with merchants who thrived versus merely survived 2020 and the lasting changes on eCommerce and omni-channel retail. This includes a look at differences in risk management strategy architecture, readiness to scale and effective communication between the digital and physical worlds to support a true Unified Commerce strategy.

    Download the Report: E-Commerce and Omni-Channel Fraud Following the Digital Acceleration


  • Three Core Considerations for Evaluating Model-Based Fraud Scoring Providers

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published October, 2021


  • Maximizing Machine Learning Model Performance and Shelf-Life

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published September, 2021


  • Five Tips for Increasing Speed and Efficiency with Manual Reviews

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published August, 2021

  • The FraudBlog Site and Monthly Newsletter
    The FraudBlog is focused on the eCommerce, digital payments and fraud industry, with most all posts and pages between 2011 and today written by Justin McDonald.
    Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Primary Contributing Author, 2011 to Present


  • White Paper - Digital Onboarding in the Post-Pandemic New Norm
    White paper  written for  risk management technology service provider discussing seismic changes in consumer behavior and risk management resulting from the COVID-19 pandemic and economic shutdown. The white papers provides insights and perspective around why what worked for risk modeling in 2019 is no longer working in 2020 and considerations to adjust risk screening for new customer onboarding in the post-pandemic world.

    Primary Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice
    Published September, 2020


  • White Paper - Identifying and Streamlining Low Risk Customers or Applicants: Techniques and Benefits
    White paper discussing strategies for identifying low risk applicants and claims for improving operational and risk management performance in the insurance and credit/lending industries. segmenting high and low risk claims, applications or order attempts allows organizations to treat these groups differently and in ways that benefit both the consumer and the business. This can provide substantial benefits for all parties in the online lending and insurance industries while being applied at both the quote or application and claims processes.

    Primary Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice
    Published June, 2019


  • Case Study: How WireCash Manages Fraud Underwriting Digital Money Transfers to High Risk Markets

    In an industry where a single fraud or bad-debt loss can wipe out the profits earned from more than 100 legitimate orders, there is little room for trial-and-error. How then does a business find success in this industry that requires managing high risk and high potential losses despite relatively low margins? The Fraud Practice sought to uncover how WireCash learned the ropes in this difficult industry, while continuing to expand services to Latin America, Africa, Eastern Europe and several high risk countries like Ukraine and Nigeria where others wouldn’t dare go.

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published May, 2018


  • White Paper - Buy Versus Build: A Discussion for Today's Market
    Primary author for joint white paper provided by Kount, Inc. and The Fraud Practice Inc. This white paper discusses business cases and criteria that can justify building homegrown risk management solutions in addition to third party services, including many considerations impacting ROI and total cost of ownership estimates.

    Primary Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published March, 2017


  • White Paper - Building the Business Case: When it Makes Sense to Outsource Manual Reviews

    Technical risk management and business oriented white paper discussing the considerations and factors to consider when assessing the cost of in-house fraud screening versus third party vendor options. This white paper defines and discusses several KPIs (key performance indicators) for fraud management and includes formulas to calculate the net cost/benefit of in-house manual reviews versus solution providers that will take the fraud liability.

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published March, 2015


  • Critical Capabilities that Can Enable Custom Modeling to Improve Business Intelligence

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published June 10, 2015


  • Leveraging Identity Document Verification in the Mobile Channel

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published May 13, 2015


  • With Custom Modeling, Deployment is Just as Critical as Design

    Author: Justin McDonald, Sr. Risk Management Consultant, The Fraud Practice Inc.
    Published March 18, 2015

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