Fraud Detection Slides

2. A Team Of
Discernment

3. Detection Unit
(An Overview)
A team that protect, discover & discrepant the BAL
data from misusing through effective monitoring
process by 24/7. Team members are working with
full devotion even when other staffs are enjoying
holidays with their families.

4. Analysis

5. Detection Unit V/S Other
Units
( Cases Detected Summary)
Detected By
Total A/c
Detected
Total Loss
Potential
Saving
Detection
Unit 563 12,848,567.91 169,643,224.28
Other Units 123 8,858,864.82 16,148,873.42
Total 686 21,707,432.73 185,792,097.70

6. Graphical View
-
2,000,000.00
4,000,000.00
6,000,000.00
8,000,000.00
10,000,000.00
12,000,000.00
14,000,000.00
Detection Unit Other Units
Total Loss
Total Loss
-
20,000,000.00
40,000,000.00
60,000,000.00
80,000,000.00
100,000,000.00
120,000,000.00
140,000,000.00
160,000,000.00
180,000,000.00
Detection
Unit
Other Units
Potential Saving
Potential Saving

7. Monthly Fraud Highlighted
Month
Credit(V &
M)
Debit
Credit Card
Loss(Approved
)
Credit Card
Loss(Declined)
Debit Card
Loss(Approved)
Debit Card
Loss(Declined)
Jan 15 20 792,444.18 11,600.00 312,328.37 -
Feb 24 28 176,907.40 478,298.58 345,202.02 -
Mar 18 7 954,996.88 365,778.99 195,757.05 24,190.00
Apr 16 10 180,356.02 522,417.49 616,534.50 85,240.00
May 23 25 1,098,690.43 764,551.35 296,855.90 -
Jun 11 143 391,852.80 311,524.28 5,706,409.50 14,350.00
Jul 11 38 897,637.53 433,612.16 471,241.24 6,000.00
Aug 10 13 68,465.00 356,623.69 480,021.30 21,299.90
Sep 15 56 369,314.21 320,187.41 1,875,871.86 2,500.00
Oct 13 17 167,011.14 782,454.46 457,032.44 -
Nov 18 58 365,571.55 1,657,899.57 1,001,245.57 -
Dec 30 69 502,090.16 1,028,683.72 4,133,126.90 108,775.00
Total 204 484 5,965,337.30 7,033,631.70 15,891,626.65 262,354.90

8. Graphical View
-
1,000,000.00
2,000,000.00
3,000,000.00
4,000,000.00
5,000,000.00
6,000,000.00
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov
Credit Card
Loss(Approved)
Debit Card
Loss(Approved)

9. Region wise Fraud Analysis
Region
Total
Accounts
Declined Total Loss Total
Central 418 6,043,508.91 13,299,486.82 19,261,495.73
North 240 436,669.54 6,900,362.64 7,337,032.18
South 28 815,580.49 1,507,583.27 2,323,163.76
Total 686 7,295,758.94 21,707,432.73 28,921,691.67

10. Graphical View
-
2,000,000.00
4,000,000.00
6,000,000.00
8,000,000.00
10,000,000.00
12,000,000.00
14,000,000.00
Central North South
Total Loss
Total Loss

11. Fraud Analysis MCC Wise
MCC Trxn
Loss
AmountTrxn
Potential
Saving Trxn
Potential
Saving
6011 636 13,733,282.62 122 37,900.00 758 13,689,682.62
5411 38 1,731,800.25 38 3,843,785.19 76 5,575,585.44
5732 12 799,056.30 7 168,583.82 19 967,640.12
5311 36 727,171.49 3 103,175.46 39 830,346.95
5541 123 548,320.52 6 33,153.63 129 581,474.15
5812 25 404,796.02 1 3,621.05 26 408,417.07
5651 24 404,128.49 3 489,579.37 27 893,707.86
5661 25 367,347.00 5 92,215.00 30 459,562.00
5310 3 336,869.10 18 760,291.42 21 1,097,160.52

12. Graphical View
0
2000000
4000000
6000000
8000000
10000000
12000000
14000000
Loss Amount
MCC

13. Fraud Analysis Country Wise
Country
Name
Currency
Code
Total Loss
Approved
A/c
Total
Declined
Declin
ed A/c
Pakistan 586 15,574,883.54 276 363,569.00 68
Usa 840 2,730,992.08 35 3,541,452.22 60
Thailand 764 648,724.77 10 59,400.00 24
UK 826 639,083.31 7 11,830.10 29
Europe 978 399,073.50 5 7,500.00 2
Canada 124 381,974.98 1 772,918.06 21
Uganda 800 319,867.96 1 - 0
China 156 305,776.39 8 - 7
Cyprus 949 192,425.78 2 1,004,170.24 14
Indonasia 360 130,393.36 2 - 32

14. POC
• POC (Point of Compromise) is basically a
Pinpoint where fraud is happening and data of
different types of cards are
compromisedtheft through Skimming
Devices.
• Following POC(s) were highlighted during
2016 and detection team has contributed 52%
of highlighting the ATM POC.

15. Bank Alfalah vs Banking
Industry
POC's Highlighted in 2016
Bank Alfalah Other Banks
No Of POC's Potential Saving No Of POC's Potential Saving
39 288,319,887.79 36 24,882,207.70

16. Graphical View
-
50,000,000.00
100,000,000.00
150,000,000.00
200,000,000.00
250,000,000.00
300,000,000.00
Bank Alfalah Other Banks
Series1