Successfully reported this slideshow.
We use your LinkedIn profile and activity data to personalize ads and to show you more relevant ads. You can change your ad preferences anytime.
Boris Belyi & Dušan Bošnjaković
Payments Risk
Predictive Analytics & Decision Science
Agenda
Payments Overview
Identifying Risk
People and Teams
Strategies
Tools
3Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
California Offi...
4Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Helping Small B...
5Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Payments Overvi...
Agenda
Payments Overview
Identifying Risk
People and Teams
Strategies
Tools
7Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Identifying Ris...
8Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Identifying Ris...
9Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Identifying Ris...
10Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Identifying Ri...
Agenda
Payments Overview
Identifying Risk
People and Teams
Strategies
Tools
12Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
People & Teams...
Agenda
Payments Overview
Identifying Risk
People and Teams
Strategies
Tools
14Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Strategies
Acc...
15Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Account Monito...
16Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Account Monito...
17Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Account Monito...
18Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Trend
Analysis...
Agenda
Payments Overview
Identifying Risk
People and Teams
Strategies
Tools
20Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Tools
3rd Part...
21Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Tools
Risk Ana...
22Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Tools
Risk Ana...
23Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Modeling
Envir...
24Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary
Business Rules...
We are hiring…
Data Scientists
Software Engineers
Risk Analysts
…
Thank you!
Questions?
Upcoming SlideShare
Loading in …5
×

Big Data Day LA 2016/ Data Science Track - Intuit's Payments Risk Platform, Dusan Bosnjakovic - Data Scientist & Boris Belyi - Manager - Risk Analytics, Intuit

311 views

Published on

This talk explores the path taken at Intuit, the maker of TurboTax, Mint and Quickbooks, to operationalize predictive analytics and highlights automations that have allowed Intuit to stay ahead of the fraud curve.

Published in: Technology
  • Be the first to comment

  • Be the first to like this

Big Data Day LA 2016/ Data Science Track - Intuit's Payments Risk Platform, Dusan Bosnjakovic - Data Scientist & Boris Belyi - Manager - Risk Analytics, Intuit

  1. 1. Boris Belyi & Dušan Bošnjaković Payments Risk Predictive Analytics & Decision Science
  2. 2. Agenda Payments Overview Identifying Risk People and Teams Strategies Tools
  3. 3. 3Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary California Offices: Mountain View, CA Menlo Park, CA Los Angeles, CA San Diego, CA
  4. 4. 4Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Helping Small Businesses Grow
  5. 5. 5Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Payments Overview One of the largest payment processors for small and medium-sized businesses
  6. 6. Agenda Payments Overview Identifying Risk People and Teams Strategies Tools
  7. 7. 7Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Identifying Risk Chargebacks & Merchant Risk 1. Jane is unhappy with her cupcakes & she calls her issuing bank to dispute a charge (a chargeback) 2. We follow up with the merchant to represent them in the dispute process.
  8. 8. 8Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Identifying Risk Chargebacks & Merchant Risk 1. Jane is unhappy with her cupcakes & she calls her issuing bank to dispute a charge (a chargeback) 2. We follow up with the merchant to represent them in the dispute process.
  9. 9. 9Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Identifying Risk Minimizing Risk By: Underwriting Merchant Accounts Monitor Transactions and Behavior
  10. 10. 10Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Identifying Risk Riskiness of the merchant Potential exposure Investigator bandwidth Odds of making right decision Time Challenges Risk Investigator Capacity Cases in Order of Importance Time
  11. 11. Agenda Payments Overview Identifying Risk People and Teams Strategies Tools
  12. 12. 12Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary People & Teams Organizing Data Science Domain Knowledge Financial Analysts Fraud Analysts Risk Agents Financial Projections Industry Research Reporting & Dashboarding Case Investigation Business Rules Development Predictive Model Development ETL Processing Data Warehouse Development Analytical Environment Development Analytics Technical Data Analysts Data Scientists Engineering Data Engineers
  13. 13. Agenda Payments Overview Identifying Risk People and Teams Strategies Tools
  14. 14. 14Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Strategies Account Lifetime Risk Detection Underwriting Trend AnalysisPost Underwriting Account Monitoring Time
  15. 15. 15Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Account Monitoring Strategies Account Lifetime Risk Detection Trend AnalysisPost Underwriting Underwriting Time Underwriting 3rd party data aggregation Simple model (efficiency) Business Rules Engine (BRE) Immediate response
  16. 16. 16Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Account Monitoring Strategies Account Lifetime Risk Detection Underwriting Trend AnalysisPost Underwriting Time Post Underwriting Complex models – ensambles Link analysis Less need for transparency for auto-decisions
  17. 17. 17Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Account Monitoring Post Underwriting Strategies Account Lifetime Risk Detection Underwriting Trend Analysis Time PATTERN 2: Location E Product F Device Type G Sales Channel H PATTERN 1: Location A Sales Channel B Device Type C Business Type D 65 % FRAUD 92 % FRAUD
  18. 18. 18Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Trend AnalysisPost Underwriting Strategies Account Lifetime Risk Detection Underwriting Time Account Monitoring
  19. 19. Agenda Payments Overview Identifying Risk People and Teams Strategies Tools
  20. 20. 20Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Tools 3rd Party Data APIs Intuit Analytics Cloud (IAC) Application Source Data Risk Analytics DB cluster Data In
  21. 21. 21Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Tools Risk Analytics DB cluster Case Management & Investigation System Business Rules Engine Data Out Modeling Environment
  22. 22. 22Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Tools Risk Analytics DB cluster Case Management & Investigation System Business Rules Engine Data Out Modeling Environment
  23. 23. 23Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Modeling Environment Tools Risk Analytics DB cluster Case Management & Investigation System Data Out Business Rules Engine
  24. 24. 24Intuit Confidential and ProprietaryIntuit Confidential and ProprietaryIntuit Confidential and Proprietary Business Rules Engine Modeling Environment Tools Risk Analytics DB cluster Data Out Case Management & Investigation System
  25. 25. We are hiring… Data Scientists Software Engineers Risk Analysts …
  26. 26. Thank you! Questions?

×