Mercury Processing Services International developed the Online Plus module to improve fraud prevention capabilities and customer satisfaction with their fraud management solution. Online Plus allows fraud analysts to temporarily block cards directly from the fraud management system with one click. It also enables automatic temporary blocking of cards through predictive fraud rules. Since implementation, Online Plus has led to a 20% decrease in gross fraud amounts, prevented over $500,000 in fraudulent authorizations, and received positive feedback from customers for its efficiency and ability to speed up fraud analysts' responses.

1. MERCURY PROCESSING
SERVICES INTERNATIONAL
BETTER FRAUD SOLUTION THROUGH
FRAUD AND IT SYNERGY
Fraud Intelligence and Product Management team
Ljubljana, May 31th 2017

2. CONTENT
• Introduction
• Business challenges
• Solution
• Results and feedback
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3. Mercury Processing Services International was offering to our clients „high end” Fraud management solution.
As this solution was a one-size-fits-all solution, our clients had to mold their business and processes to a software platform.
As a consequence, general satisfaction with Fraud management solution was very low.
INTRODUCTION
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We managed to do various in-house improvements and workarounds, that lifted possibilities of Fraud management solution
to an new level in order to cover our clients needs, but still, as a long run solution, something had to be changed.
In second half of 2012, development of new in-house overall Fraud Management System (FMS) – Lynx has begun.
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4. INTRODUCTION
In 2014 after successfully completing first major Fraud-IT project of replacing 'off-shelf' Fraud management solution with in-
house 'developing' Lynx FMS, client satisfaction rose again, this time about additional 25%, which was very encouraging
and Mercury Processing Services International initiated another Fraud-IT project that upgraded fraud detection and
prevention abilities of Lynx FMS.
Presentation will give an overview of fraud prevention challenges at that time, constraints, idea generation, development/
implementation of proposed module, results and feedback, all that and more to follow about Online Plus module in Lynx
FMS.
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5. BUSINESS CHALLENGES
What do we actually want?

6. NUMEROUS FRAUD CHALLENGES
Significant increase of data breach and CNP fraud cases at that time:
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Card institutions that don’t have dedicated 24/7 fraud monitoring are usually relying on card limits, customer notifications
(SMS, email) and on predefined simple fraud blockades, depending on complexity of their Real Time Fraud system.
In some cases all above measures combined can be adequate for defined fraud risk appetite, but again there are always
cases that pass through and at the end considerable financial damage can be done.
IMPORTANCE OF QUICK REACTION
* Calculated for approved issuing fraud authorizations in last 3 years
of fraud is occurring in non working hours (or at that time full capacity for
fraud coverage is perceived to be minimal)
%
Above percentage represents maximum savings
opportunity from dedicated 24/7 fraud monitoring.
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8. IMPORTANCE OF QUICK-ER REACTION
<5min
5-15min
>15min
Gross Fraud after
first alert creation
Time after first
alert creation
48% 14% 38%
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* Calculated for approved issuing fraud authorizations in last 3 years

9. IDEA GENERATION
We needed an idea that would be:
Question was:
How to connect fraud scenarios described in, often complex, Near Real Time fraud rules with prevention action?
Complexity of our current Near Real Time (NRT) fraud rules was not possible to migrate to our Real Time systems, but again,
we wanted to increase our prevention possibilities, and we accomplished this with Online Plus module.
SOLUTION
Online Plus module is temporary blocking PAN:
 If card is recognized by most predictive NRT fraud rules, in that way stopping ALL further fraud damage on the card +
notification is sent to fraud analyst, alerting him of possible fraud or false blockade customer card
 If blocking is initiated directly from Lynx FMS by fraud analyst in case of card suspicious behavior (no need for additional
application/applications, saves crucial seconds)
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1. helpful in all above stated challenges
2. relatively easy and fast to develop
3. must not affect stability and robustness of any of our authorization systems
4. applicable for all our clients on all our back office systems
5. effective in Fraud prevention
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10. IDEA IMPLEMENTATION
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11. SOLUTION
This is what needs to be done.

12. CUSTOMER SATISFACTION
WHY?
• Enjoying pride and pleasure from building well designed systems/ solutions that are improving existing processes,
providing new functionalities or solving users’ problems.
• Enabling users/ customers to be more effective, more productive, happy
WHO?
• Internal and External customers – everybody is somebody’s customer
• Bank’s Fraud team  MPSI Fraud team  Fraud Development team  Authorizations/ System/ Networking/
Operations/…
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“Joy is designing and building something that actually sees the light of day and is
enjoyably used and widely adopted by the people for whom it was intended.”
Richard Sheridan, Joy, Inc.:How We Built a Workplace People Love
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13. EASIER SAID THEN DONE
Epic story: „As a fraud analyst in bank I want to block any card with ‘one click’ in FCM”
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Multibanking All brands Instantly Logged
SecurelyInfo on Errors On all systems
With status „X”
Soft block
Exposed to all
systems
Auto from RE
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14. RESULTS AND FEEDBACK
Job well done!

15. 0
500
1000
1500
2000
2500
June '16 August '16 October '16 December
'16
February '17 April '17
USAGE OF ONLINE PLUS MODULE
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Actions initiated by fraud analyst (block or unblock)
or by fraud rule (block)
Actions initiated by fraud rule (block)
+200%
+400%
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16. 2013 2014 2015 2016
RESULTS IN NUMBERS
Online Plus module together with various other improvements on client’s and on our side as processor resulted in decrease of
last year issuing gross fraud amount.
In just last 12 months Online Plus module declined Fraud authorizations in same amount as the 50% of last year gross fraud for
all our issuing clients amounted to.
Out of which 1/3 was prevented by Online Plus rules.
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-20%
Currently, 30+ active Online Plus rules which made over 2.000 blocking actions (and notifications)
8.500+ different cards have been temporary blocked via Online Plus Module (by fraud analyst or by fraud rule)
50+ different users are using Online Plus module
Quick facts:
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17. CLIENT FEEDBACK
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We are satisfied with Online Plus module and with its
current functionalities, still, we support and expect its
further development.
Possibility to temporary block and unblock cards directly
through Online Plus module has improved our efficiency
and speeded up our reaction in risky situations.
It is also of great use to us possibility to create Online
Plus rules which based on already recognized fraud
patterns automatically temporary block card without
manual workload of fraud analyst. Of course fraud analyst
still conducts analysis and if needed unblocks card, again
through Online Plus module. In this way we have raised
highly risky fraud scenarios to higher fraud prevention
level and minimized fraud loses on compromised card.
Since the introduction of the first Online plus rule we
successfully rejected a lot of fraudulent authorizations.
The Online Plus rule was implemented in a manner to
identify cases with very high probability of confirmed
fraud. In a short time period we reached a considerable
amount of the potentially prevented fraud.
The Online Plus module is able to provide banks with
higher quality service due to its efficiency and reliability.
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Online Plus module is very good and useful fraud
prevention tool, which can really save money for our bank.
I think, fraudsters have to hate this our „new weapon“ 

18. THANK YOU!
Any questions?

19. CONTACT US
www.mercury-processing.com
+385 1 6456 041
Radnička cesta 50, 10000 Zagreb