[国际会议] 数据孤岛如何帮助欺诈者.pdf

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1、1How Data Silos Help FraudstersSVP:Global Head of FraudSteve Yin2Director:Research and Consulting Matt Fabian 2024 TransUnion LLC All Rights ReservedAgenda2024 US Financial Services Summit1.Introduction2.TransUnion Global Fraud Footprint3.Global Fraud Insights4.The Power of Data Silos5.Regional Frau

2、d Insights6.Bringing Data Together7.Driving Next-Gen Capabilities8.Conclusion3 2024 TransUnion LLC All Rights Reserved2024 US Financial Services Summit4How data silos help fraudstersIntroduction 2024 TransUnion LLC All Rights Reserved5Isolated databases exist across channels and processesWith multil

3、ayered fraud systems,complex data management practices and many channels of interaction,customer data has become segregated,leaving opportunities for fraudsters to create their own linkages Call centerWeb/AppBranchFraudKnown fraud IDsKnown fraud emails,devices,phone numbers,etc.DigitalDevice reputat

4、ion&activityEmail,phone number activityGeolocationCreditApplication dataInquiry dataPayment behaviorIdentityBureau IDGolden sourceDemographicsBiometricsChannel silosData silosSynthetic identity fraudStolen identity fraudATO fraudLoan stacking fraudMining dataCompromised credentialsForged documentati

5、on 2024 TransUnion LLC All Rights Reserved2024 US Financial Services Summit6Global Fraud FootprintTransUnion 2024 TransUnion LLC All Rights Reserved7TransUnion is powering a global movement to mitigate fraudRegional TransUnion centersCountries with clients sharing fraud information5K+clients50+count

6、ries35B+trx/year11B+devices tracked 2024 TransUnion LLC All Rights Reserved8Our global experienceDigital Onboarding in LatamIdentity Exchange in CanadaHigh Risk Fraud Alerts in IndiaA single API solution focusing on establishing digital and real-world identity whilst also confirming risk across digi