Teresa Hegdahl

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more behavioral baseline scores, each score associated with one or more behaviors and based at least in part on financial institution data from multiple financial institutions. The behavioral baseline score defines a normal risk or baseline behavior for a customer, a… Show more

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more behavioral baseline scores, each score associated with one or more behaviors and based at least in part on financial institution data from multiple financial institutions. The behavioral baseline score defines a normal risk or baseline behavior for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the behavioral baseline score(s) and generating and initiating communication of risk score alerts and/or behavioral baseline deviation alerts based on predetermined behavioral baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data. Show less

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate… Show more

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate suspicious activity and/or identity theft alerts and/or reports in response to identifying the suspicious activities and/or confirming an identity theft incident associated with the suspicious activity. In further embodiments, the monitored financial institution may include one or more, and in some embodiments all of, account data, asset data, liability data, negative file data, customer data, device data, credit data, or biometric data. Show less