Risk Mitigation Strategies

<!DOCTYPE html> <html lang="en-US"> <head> <meta charset="utf-8" /> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta name="viewport" content="width=device-width, target-densityDpi=device-dpi, initial-scale=1, user-scalable=no" /> <meta name="format-detection" content="telephone=no"> <link rel="icon" href="/Areas/LNRS/favicon.ico" type="image/x-icon">  <link rel="dns-prefetch" href="//cdnjs.cloudflare.com"> <link rel="dns-prefetch" href="//img.en25.com"> <link rel="dns-prefetch" href="//assets.adobedtm.com"> <link rel="dns-prefetch" href="//www.google-analytics.com"> <link rel="dns-prefetch" href="//www.googletagmanager.com"> <link rel="dns-prefetch" href="//www.googleadservices.com"> <link rel="dns-prefetch" href="//fonts.googleapis.com"> <link rel="dns-prefetch" href="//fonts.gstatic.com"> <link rel='preconnect' href='//fonts.gstatic.com' crossorigin> <link rel='preconnect' href='//fonts.googleapis.com' crossorigin> <link rel="preload" as="style" href="/Areas/LNRS/css/main.css?v=638744975684260571"> <link href="/Areas/LNRS/css/main.css?v=638744975684260571" rel="stylesheet" /> <link rel='preload' as='style' href='//fonts.googleapis.com/css?family=Source+Sans+Pro:300,300i,400,400i,600,600i,700,700i' onload="this.rel='stylesheet'"> <link rel='preload' as='style' href='//cdnjs.cloudflare.com/ajax/libs/instantsearch.js/1.12.1/instantsearch.min.css'> <title>Risk Mitigation Strategies</title> <meta property="og:site_name" content="LexisNexis Risk Solutions" /> <meta property="og:type" content="website" /> <meta property="og:title" content="Risk Mitigation Strategies" /> <meta property="og:image" content="https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-open-graph-1200x627.jpg" /> <meta property="og:image:type" content="image/jpeg" /> <meta property="og:image:width" content="1200" /> <meta property="og:image:height" content="627" /> <meta property="og:description" content="Optimize risk mitigation with a single or multiple score for different fraud types. Discover which model suits your organization best." /> <meta name="description" content="Optimize risk mitigation with a single or multiple score for different fraud types. 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English </p> </a><div aria-hidden="true" aria-labelledby="modal-7d4e6db4-9082-4a87-a5bf-991268ea86cc-Label" class="modal fade score-modal language-selector" data-ux-args="{"StateChangeMessagesTransmitting":[],"ShowActionMessages":["Open Language Selector Modal"],"HideActionMessages":[],"ShowMessagesTransmitting":[],"HideMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Modal" data-ux-state="pending" id="modal-7d4e6db4-9082-4a87-a5bf-991268ea86cc" role="dialog" tabindex="-1"> <div class="modal-dialog "> <div class="modal-content"> <div class="modal-header" id="modal-7d4e6db4-9082-4a87-a5bf-991268ea86cc-Label"> <button type="button" class="close" data-dismiss="modal" aria-label="Close"> <span aria-hidden="true">×</span> </button> </div> <div class="modal-body"> <div class="score-column2 equal" > <div class="score-left"> <div class="score-left-text " > <div class="score-content-spot" > <p>Solutions by Country:<br /></p> </div> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com"><span class="sprite-image"> <span class="icon-us-flag22x16"></span> </span><span class="" >United States - English</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.co.uk"><span class="sprite-image"> <span class="icon-uk-flag22x16"></span> </span><span class="" >United Kingdom - English</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com.br" target="_blank"><span class="sprite-image"> <span class="icon-brazil-flag22x16"></span> </span><span class="" >Brazil - Português</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.es"><span class="sprite-image"> <span class="icon-spain-flag22x16"></span> </span><span class="" >Spain - Spanish</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.co.jp"><span class="sprite-image"> <span class="icon-japan-flag22x16"></span> </span><span class="" >Japan - Japanese</span> </a> </div> </div> <div class="score-right"> <div class="score-left-text " > <div class="score-content-spot" > <p>Global Solutions:<br /></p> </div> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/global/zh"><span class="sprite-image"> <span class="icon-global20x20"></span> </span><span class="" >简体中文</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/global/de"><span class="sprite-image"> <span class="icon-global20x20"></span> </span><span class="" >Deutsch</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/global/en"><span class="sprite-image"> <span class="icon-global20x20"></span> </span><span class="" >English</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/global/es"><span class="sprite-image"> <span class="icon-global20x20"></span> </span><span class="" >Español</span> </a> </div><div class="score-left-text " > <a class="score-composite-link" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/global/fr"><span class="sprite-image"> <span class="icon-global20x20"></span> </span><span class="" >Français</span> </a> </div> </div> </div> </div> <div class="modal-footer score-call-to-action"> </div> </div> </div> </div><a class="score-composite-link btn-product-sign-in" data-ux-args="{"ClickMessagesTransmitting":["Open Sign In"]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/"> <p class="score-lead" > Product Sign In </p></a><div aria-hidden="true" aria-labelledby="modal-b89618ae-3100-4f46-87b2-7290f8510778-Label" class="modal fade score-modal" data-ux-args="{"StateChangeMessagesTransmitting":[],"ShowActionMessages":["Open Sign In"],"HideActionMessages":["Close Sign In"],"ShowMessagesTransmitting":[],"HideMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Modal" data-ux-state="pending" id="modal-b89618ae-3100-4f46-87b2-7290f8510778" role="dialog" tabindex="-1"> <div class="modal-dialog "> <div class="modal-content"> <div class="modal-header" id="modal-b89618ae-3100-4f46-87b2-7290f8510778-Label"> Select a product to sign in <button type="button" class="close" data-dismiss="modal" aria-label="Close"> <span aria-hidden="true">×</span> </button> </div> <div class="modal-body"> <div class="score-column1 " > <div class="score-center"> <div class="score-center-text " > <div class="score-content-spot" > Products available for online sign in are listed below. Select one to access its respective product portal. </div> </div> </div> </div><div class="score-column3 equal product-portal-container" > <div class="score-left"> <div class="score-left-text " > <a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint®</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Collections</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Government</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Healthcare</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Insurance</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Law Enforcement</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Legal Professionals</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://secure.accurint.com/app/bps/main" target="_blank">Accurint® for Private Investigations</a><a aria-label="AML Insight™" class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://amlinsight.lexisnexis.com/" target="_blank" title="AML Insight™">AML Insight™</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://www.bankersalmanac.com/formslogin.aspx" target="_blank">Bankers Almanac</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://www.bankersalmanac.com/formslogin.aspx" target="_blank">Bankers Almanac Due Diligence</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://www.globalpaymentsresource.com/" target="_blank">Bankers Almanac Global Payments Resource</a> </div> </div> <div class="score-center"> <div class="score-left-text " > <a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://globalpaymentsresource.com/" target="_blank">Bankers Almanac IBAN Complete</a><a class="score-button hidden-xs hidden-sm hidden-md hidden-lg" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://www.sortingcodes.co.uk/formslogin.asp" target="_blank">Bankers Almanac UK Sort Codes and Sorting Codes Online</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://beta.validate.bankersalmanac.com/" target="_blank">Bankers Almanac Validate</a><a aria-label="Bridger Insight® XG" class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://bridger.lexisnexis.com/XgAuth/" target="_blank" title="Bridger Insight® XG">Bridger Insight® XG</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://collectionsolutions.lexisnexis.com/" target="_blank">Collections Solutions Portal</a><a aria-label="Command Center" class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://coplogicsolutions.lexisnexis.com/commandcenter/#/login" target="_blank" title="Command Center">Command Center</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://portal.emailage.com/" target="_blank">Emailage® Portal</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://www.compliance-link.com/AuthServer/login" target="_blank">Firco Compliance Link</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://identitymanagement.lexisnexis.com/IRM/login/login.do" target="_blank">Instant Authenticate</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://identitymanagement.lexisnexis.com/IRM/login/login.do" target="_blank">Instant Verify</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.nexis.com/AMLSolutions/Login.aspx?ReturnUrl=/AMLSolutions/" target="_blank">InstantID®</a> </div> </div> <div class="score-right"> <div class="score-left-text " > <a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://idms.lexisnexis.com/" target="_blank">InstantID® Q&A</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://login.lexisnexisrisk.com/idslogin/" target="_blank">Insurance Solutions</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.nexis.com/RealEstate/Login.aspx" target="_blank">Mortgage Industry Data Exchange (MIDEX®)</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://accuity.worldcompliance.com/" target="_blank">Online Compliance</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://insurancesolutions.lexisnexis.com/idslogin/">ProspectBase®</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.nexis.com/RealEstate/Login.aspx" target="_blank">Real Estate Solutions</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://riskmanagement.lexisnexis.com/">Risk Management Solutions®</a><a aria-label="ThreatMetrix® Product Sign In" class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://portal.threatmetrix.com" target="_blank" title="ThreatMetrix® Product Sign In">ThreatMetrix®</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://mfaweb.lexisnexis.com/docauth" target="_blank">TrueID®</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://trax.zetx.com/" target="_blank">TraX™</a><a class="score-button" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://members.worldcompliance.com/SignIn.aspx" 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Streamline skip tracing efforts and boost profitability."]],"IndustryLinkTextMask":"View $currentIndustryName Home","IndexName":"lnrs-web93-us"}" data-ux-module="LNRS/Components/IndustrySection" data-ux-state="pending"> <a href="#" data-toggle="dropdown">Choose Your Industry</a> <a href="#" class="dropdown-toggle toggle-caret" data-toggle="dropdown"> <span class="caret"></span> <span class="sr-only">toggle menu</span> </a> <ul class="dropdown-menu" role="menu"> <li> <div class="score-megamenu-content"> <div class="second-step" v-bind:class="{hidden: currentStep === 1}" style="display: none"> <ul class="nav nav-pills nav-stacked"> <li class="back-menu"><a href="javascript:void(0)" v-on:click="backStep1Click"><span>Select an Industry</span></a></li> <li><span>Select an Industry</span></li> <li v-bind:class="{active: currentIndustryId === '{79C7989C-60C7-4A5A-B0D5-4FC281AABD0C}'}"> <a data-industryid="{79C7989C-60C7-4A5A-B0D5-4FC281AABD0C}" data-industryname="Corporations" data-industrylink="/corporations-and-non-profits" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Corporations</a> </li> <li v-bind:class="{active: currentIndustryId === '{FA5C6F75-58D1-4D5F-B356-0B1674C9AD4E}'}"> <a data-industryid="{FA5C6F75-58D1-4D5F-B356-0B1674C9AD4E}" data-industryname="Financial Services" data-industrylink="/financial-services" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Financial Services</a> </li> <li v-bind:class="{active: currentIndustryId === '{E6B7083B-F188-4D34-829A-2B9B7166C061}'}"> <a data-industryid="{E6B7083B-F188-4D34-829A-2B9B7166C061}" data-industryname="Government" data-industrylink="/government" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Government</a> </li> <li v-bind:class="{active: currentIndustryId === '{D419217F-FC5A-41DD-A1FE-A5FED109FEC2}'}"> <a data-industryid="{D419217F-FC5A-41DD-A1FE-A5FED109FEC2}" data-industryname="Healthcare" data-industrylink="/healthcare" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Healthcare</a> </li> <li v-bind:class="{active: currentIndustryId === '{0CED4563-FE0B-43BF-BE8B-0E126205D71B}'}"> <a data-industryid="{0CED4563-FE0B-43BF-BE8B-0E126205D71B}" data-industryname="Insurance" data-industrylink="/insurance" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Insurance</a> </li> <li v-bind:class="{active: currentIndustryId === '{47894F7A-9F65-4557-9FAD-FE672BD6F24F}'}"> <a data-industryid="{47894F7A-9F65-4557-9FAD-FE672BD6F24F}" data-industryname="Law Enforcement and Public Safety" data-industrylink="/law-enforcement-and-public-safety" data-tagretlang="en-US" href="javascript:void(0)" v-on:click="linkClick">Law Enforcement and Public Safety</a> </li> <li v-bind:class="{active: currentIndustryId === '{9A62EF06-D8BA-4821-B21C-5B26227EBD43}'}"> <a data-industryid="{9A62EF06-D8BA-4821-B21C-5B26227EBD43}" data-industryname="Collections and 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class="subpage-title">Healthcare Market Data & Insights</div> </a> </li> <li> <a href="/healthcare/provider-data-management" class="subpage-link"> <div class="subpage-title">Provider Data Management</div> </a> </li> <li> <a href="/healthcare/identity-verification" class="subpage-link"> <div class="subpage-title">Identity Verification for Healthcare</div> </a> </li> <li> <a href="/healthcare/real-world-data" class="subpage-link"> <div class="subpage-title">Real-World Data & Insights</div> </a> </li> <li> <a href="/healthcare/population-health" class="subpage-link"> <div class="subpage-title">Population Health Data & Insights</div> </a> </li> <li> <a href="/healthcare/whole-person-care" class="subpage-link"> <div class="subpage-title">Whole Person Data & Insights</div> </a> </li> </ul>  </div> <div id="{0CED4563-FE0B-43BF-BE8B-0E126205D71B}" class="tab-pane fade in" v-bind:class="{active: currentIndustryId === '{0CED4563-FE0B-43BF-BE8B-0E126205D71B}'}">  <div class="section-title-wraper"> <a class="description-learnmore" href="/insurance">View Insurance Home</a> </div>   <h4 class="score-section-menu-group-title">Markets We Serve</h4> <ul class="level-1 score-section-menu"> <li> <a href="/insurance/auto" class="subpage-link"> <div class="subpage-title">Auto Insurance</div> </a> </li> <li> <a href="https://risk.lexisnexis.com/law-enforcement-and-public-safety/automated-crash-and-incident-reporting" class="subpage-link"> <div class="subpage-title">Law Enforcement & Safety Leaders</div> </a> </li> <li> <a href="/insurance/commercial-insurance-solutions" class="subpage-link"> <div class="subpage-title">Commercial Insurance</div> </a> </li> <li> <a href="/insurance/life-insurance-solutions" class="subpage-link"> <div class="subpage-title">Life Insurance</div> </a> </li> <li> <a href="/insurance/home-insurance-solutions" class="subpage-link"> <div class="subpage-title">Home Insurance</div> </a> </li> <li> <a href="/insurance/solutions-for-automakers" class="subpage-link"> <div class="subpage-title">Solutions for Automakers</div> </a> </li> </ul> <h4 class="score-section-menu-group-title">Capabilities & Solutions</h4> <ul class="level-1 score-section-menu"> <li> <a href="/insurance/acquisition-retention" class="subpage-link"> <div class="subpage-title">Acquisition & Retention</div> </a> </li> <li> <a href="/insurance/fraud-detection" class="subpage-link"> <div class="subpage-title">Fraud Detection</div> </a> </li> <li> <a href="/insurance/insurance-claims-management" class="subpage-link"> <div class="subpage-title">Claims</div> </a> </li> <li> <a href="/insurance/lexisnexis-identity-access-management-solutions-for-insurance" class="subpage-link"> <div class="subpage-title">Identity Access Management</div> </a> </li> <li> <a href="/insurance/compliance" class="subpage-link"> <div class="subpage-title">Compliance</div> </a> </li> <li> <a href="/insurance/quoting-and-underwriting" class="subpage-link"> <div class="subpage-title">Quoting & Underwriting</div> </a> </li> <li> <a href="/insurance/data-analytics-and-modeling" class="subpage-link"> <div class="subpage-title">Data Analytics & Modeling</div> </a> </li> <li> <a href="/insurance/telematics" class="subpage-link"> <div class="subpage-title">Telematics</div> </a> </li> <li> <a href="/insurance/data-prefill" class="subpage-link"> <div class="subpage-title">Data Prefill</div> </a> </li> </ul>  </div> <div id="{47894F7A-9F65-4557-9FAD-FE672BD6F24F}" class="tab-pane fade in" v-bind:class="{active: currentIndustryId === '{47894F7A-9F65-4557-9FAD-FE672BD6F24F}'}">  <div class="section-title-wraper"> <a class="description-learnmore" href="/law-enforcement-and-public-safety">View Law Enforcement and Public Safety Home</a> </div>   <ul class="level-1 score-section-menu"> <li> <a href="/law-enforcement-and-public-safety/success-stories-and-testimonials" class="subpage-link"> <div class="subpage-title">Law Enforcement 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Services</h4> <ul class="level-1 score-section-menu"> <li> <a href="/law-enforcement-and-public-safety/public-safety-investigative-services-and-consulting" class="subpage-link"> <div class="subpage-title">Criminal Investigative Services</div> </a> </li> <li> <a href="/law-enforcement-and-public-safety/law-enforcement-and-police-training-courses-online" class="subpage-link"> <div class="subpage-title">Device Geolocation Training</div> </a> </li> <li> <a href="/law-enforcement-and-public-safety/public-safety-marketplace" class="subpage-link"> <div class="subpage-title">Public Safety Marketplace</div> </a> </li> </ul> <h4 class="score-section-menu-group-title"></h4> <ul class="level-1 score-section-menu"> </ul>  </div> <div id="{9A62EF06-D8BA-4821-B21C-5B26227EBD43}" class="tab-pane fade in" v-bind:class="{active: currentIndustryId === '{9A62EF06-D8BA-4821-B21C-5B26227EBD43}'}">  <div class="section-title-wraper"> <a class="description-learnmore" href="/collections-and-recovery">View Collections and Recovery Home</a> </div>   <ul class="level-1 score-section-menu"> <li> <a href="/collections-and-recovery/skip-tracing" class="subpage-link"> <div class="subpage-title">Skip Tracing</div> </a> </li> <li> <a href="/collections-and-recovery/collections-compliance" class="subpage-link"> <div class="subpage-title">Collections Compliance</div> </a> </li> <li> <a href="/collections-and-recovery/debt-recovery-assessment" class="subpage-link"> <div class="subpage-title">Debt Recovery Assessment</div> </a> </li> </ul>  </div> </div> </div> <div class="first-step" v-bind:class="{hidden: currentStep !== 1}"> <div class="section-header"> <h3 class="section-title">Industries</h3> <p class="lead section-description"></p> </div> <ul class="nav" role="tablist"> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{79C7989C-60C7-4A5A-B0D5-4FC281AABD0C}" data-industryname="Corporations" data-industrylink="/corporations-and-non-profits" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Corporations</div> <div class="description">Identity verification and authentication, credit risk assessment, fraud prevention, investigations, due diligence solutions to increase revenue and efficiencies.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{FA5C6F75-58D1-4D5F-B356-0B1674C9AD4E}" data-industryname="Financial Services" data-industrylink="/financial-services" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Financial Services</div> <div class="description">Fraud prevention, identity verification, due diligence, compliance, PEP and watchlist screening, credit risk assessment, know your customer, big data solutions.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{E6B7083B-F188-4D34-829A-2B9B7166C061}" data-industryname="Government" data-industrylink="/government" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Government</div> <div class="description">Draw clear, actionable insights to achieve your agency’s mission by leveraging LexisNexis® data, identity intelligence and linking technology.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{D419217F-FC5A-41DD-A1FE-A5FED109FEC2}" data-industryname="Healthcare" data-industrylink="/healthcare" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Healthcare</div> <div class="description">When the right data meets the right technologies, healthcare organizations can transform complexity into opportunity and deliver better health for all.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{0CED4563-FE0B-43BF-BE8B-0E126205D71B}" data-industryname="Insurance" data-industrylink="/insurance" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Insurance</div> <div class="description">Insurance risk solutions that strengthen customer relationships, gain operational efficiencies & future-proof your organization using data & advanced analytics.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{47894F7A-9F65-4557-9FAD-FE672BD6F24F}" data-industryname="Law Enforcement and Public Safety" data-industrylink="/law-enforcement-and-public-safety" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Law Enforcement and Public Safety</div> <div class="description">Predict, analyze and effectively respond to crime using actionable intelligence derived from law enforcement data analytics and technology.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> <li> <a href="javascript:void(0)" v-on:click="linkClick" data-industryid="{9A62EF06-D8BA-4821-B21C-5B26227EBD43}" data-industryname="Collections and Recovery" data-industrylink="/collections-and-recovery" data-tagretlang="en-US" class="subpage-link"> <div class="subpage-title">Collections and Recovery</div> <div class="description">Insight and tools that lead debt collectors to the right parties, efficiently and compliantly. Streamline skip tracing efforts and boost profitability.</div> <div class="learnmore"><span class="btn btn-link">Learn More</span></div> </a> </li> </ul> </div> </div> </li> </ul> </li><li class="score-megamenu-basic-item" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/BasicMenuItem" data-ux-state="pending" role="menuitem"><a href="https://risk.lexisnexis.com/products">Products</a></li><li class="score-megamenu-basic-item active-section" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/BasicMenuItem" data-ux-state="pending" role="menuitem"><a href="https://risk.lexisnexis.com/insights-resources">Insights and Resources</a></li><li class="score-megamenu-dropdown" data-ux-args="{"IsEditorEditing":false,"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/MegaMenuItem" data-ux-state="pending" role="menuitem"> <a href="#" data-toggle="dropdown"> About Us </a> <a href="#" class="dropdown-toggle toggle-caret" data-toggle="dropdown"> <span class="caret"></span> <span class="sr-only">toggle menu</span> </a> <ul class="dropdown-menu" role="menu"> <li role="menuitem"> <div class="score-megamenu-content"> <div class="score-column1 " > <div class="score-center"> <div class="score-content-spot" > <p style="font-size: 36px; font-weight: 100; padding-top: 20px; margin-bottom: 10px; z-index: 1;">About Us </p> </div><div class="score-style-box clearfix border-bottom" data-ux-args="{"IsEditorEditing":false,"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/StyleBox" data-ux-state="pending" style=""> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"a45b45c3-0cea-4640-8587-841c1c2693d6","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"f2705efb-2d9e-4891-838a-d2e396dd374b"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Business Overview</h4> <div class="score-highlight-body"> Learn more about us and what we do. </div> <div class="score-call-to-action"> <a class="score-button btn-link" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us">Learn More</a><a class="score-button 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class="score-highlight-body"> View biographical information about our leadership team. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/leadership">Learn More</a><a class="score-button btn-clickable-area" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/leadership">Leadership</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action 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<div class="score-highlight-header"> </div> <div class="caption"> <h4>Corporate Responsibility</h4> <div class="score-highlight-body"> See how we give back to our community. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/corporate-responsibility">Learn More</a><a class="score-button btn-clickable-area" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/corporate-responsibility">Learn More</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"7dd3c802-2f5a-4c44-9953-efa4b0e24a0a","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"53f28cdf-7329-48dd-8632-c76781a3f670"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Diversity & Inclusion</h4> <div class="score-highlight-body"> View our commitment to diversity and inclusion.  </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" 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data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Our Technology</h4> <div class="score-highlight-body"> Learn about the technology that powers our solutions. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/our-technology">Learn More</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"d6a0c6fb-1e7e-4b51-addf-76b7808f15f7","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"6f7f877a-579a-4638-9f23-2231d89aa55e"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>News Room</h4> <div class="score-highlight-body"> View our press releases and stories. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/press-room">Learn More</a><a class="score-button btn-clickable-area" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/press-room">Press Room</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"a86a2439-9848-4b3f-804f-ae8ecb2704f7","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"af8a1f9c-6f54-4a82-9fb8-f5b0b51f787e"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Experts</h4> <div class="score-highlight-body"> View experts across industries we serve. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/experts">Learn More</a><a class="score-button btn-clickable-area" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/experts">Speakers Bureau</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"64224e57-33e9-46a8-87a0-4fc4be3e21ea","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"35c3b228-2205-4717-a4a6-313d3f7b7158"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>The ADAM Program</h4> <div class="score-highlight-body"> See how we help bring missing kids home. </div> <div class="score-call-to-action"> <a aria-label="Learn More about The ADAM Program" class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/adam" title="Learn More about The ADAM Program">Learn More</a> </div> </div> </div></div><div class="score-style-box clearfix" data-ux-args="{"IsEditorEditing":false,"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/StyleBox" data-ux-state="pending" style=""> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"c1cf546b-4c38-4d71-8d03-f72a6319dd0d","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"4f07af65-6652-4520-b3e6-3d35e7c9ff73"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Corporate Alliances and Partnerships</h4> <div class="score-highlight-body"> We collaborate with resellers and integrators to help solve business challenges. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/alliance-partnerships/corporate">Learn More</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"c7b6a43b-48ad-4816-b129-7d5d60ad0a72","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"7e9b5150-d536-492e-ade3-4a4de7bec46e"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Government Alliances</h4> <div class="score-highlight-body"> World-class government technology solutions for the public good. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/alliance-partnerships/government">Learn More</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"d9052f25-f80f-419f-be93-e9f8942d44c5","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"d8d22833-a289-45f1-8743-6b0f6f6ef8c3"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Healthcare Partnerships</h4> <div class="score-highlight-body"> Powerful data fusion and analytics solutions to make business much more efficient. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/alliance-partnerships/healthcare">Learn More</a> </div> </div> </div> <div class="custom-highlight score-highlight highlight-card" data-ux-args="{"IsInEditing":false,"CtaLinkSelector":".score-call-to-action a.score-button","ImageSmallWidth":400,"ImageMediumWidth":650,"ImageBigWidth":950,"ImageUrlSmall":"","ImageUrlMedium":"","ImageUrlBig":"","FullSizeImage":"","PrimaryImageGuid":"fbe8e039-c442-461f-9231-91d7339e22ae","SecondImageUrlSmall":"","SecondImageUrlMedium":"","SecondImageUrlBig":"","SecondFullSizeImage":"","SecondaryImageGuid":"076960fe-1019-4e74-babf-574de0cc7894"}" data-ux-module="LNRS/Components/Content/CustomHighlight" data-ux-state="pending"> <div class="score-highlight-header"> </div> <div class="caption"> <h4>Insurance Alliances</h4> <div class="score-highlight-body"> An ecosystem of data and service providers for the insurance industry. </div> <div class="score-call-to-action"> <a class="score-button btn-link btn-clickable-area btn-clickable-area-double-activator" data-ux-args="{"ClickMessagesTransmitting":[],"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="https://risk.lexisnexis.com/about-us/alliance-partnerships/insurance">Learn More</a> </div> </div> </div></div> </div> </div> </div> </li> </ul> </li><li class="score-megamenu-basic-item" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/BasicMenuItem" data-ux-state="pending" role="menuitem"><a href="https://risk.lexisnexis.com/contact-us">Contact</a></li> </ul> </div> </div> </div> </div> </div> </nav> </div> </div> </div> </header><div class="container score-page-layout-column1 "> <div class="score-column1 " > <div class="score-center"> </div> </div> </div> <div class="page-wrapper"> <div class="score-stripe mantle-no-box-right cover" style="background-image:url('https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-mantle-image-1230x420.jpg');" > <div class="container score-page-layout-column2 score-page-layout-equal "> <div class="score-column2 equal" > <div class="score-left"> </div> <div class="score-right"> <div class="score-style-box brand-navy" data-ux-args="{"IsEditorEditing":false,"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/StyleBox" data-ux-state="pending" style=""><div class="score-section-hero" style="" > <div class="score-hero-image"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-mantle-image-1230x420.jpg?h=420&iar=0&w=1230&hash=1DA97D6C6F3B8835745649E59737226A" alt="financial technology security" /> </div> <h2> Single Vs Multiple Models: Optimizing Your Risk Mitigation </h2> <div class="score-call-to-action"> </div> </div></div><div class="score-style-box" data-ux-args="{"IsEditorEditing":false,"StateChangeMessagesTransmitting":[],"ShowActionMessages":[],"HideActionMessages":[]}" data-ux-module="score_bootstrap/Components/StyleBox" data-ux-state="pending" style=""><div class="score-content-spot" > Explore how single vs multiple models optimize risk mitigation for fraud detection. Find the best approach for your organization's unique challenges and objectives. </div></div> </div> </div> </div> </div><div class="container score-page-layout-column1 "> <div class="score-column1 hidden-xs" > <div class="score-center"> <ol class="score-breadcrumb" itemscope itemtype="http://schema.org/BreadcrumbList" role="list" aria-label="Breadcrumb" > <li class="score-breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a href="https://risk.lexisnexis.com/" itemprop="item" title=""> <span itemprop="name"> Home </span> </a> <meta itemprop="position" content="1" /> </li> <li class="score-breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a href="https://risk.lexisnexis.com/insights-resources" itemprop="item" title=""> <span itemprop="name"> Insights and Resources </span> </a> <meta itemprop="position" content="2" /> </li> <li class="score-breadcrumb-item" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <a href="https://risk.lexisnexis.com/insights-resources/article" itemprop="item" title="All Articles"> <span itemprop="name"> Article </span> </a> <meta itemprop="position" content="3" /> </li> <li class="score-breadcrumb-item active"> Optimize Risk: Single vs. Multiple Models Explained </li> </ol> </div> </div> </div> <div data-ux-args="{"IsInEditing":false,"Small":"","Medium":"","Large":"","SmallBorder":420,"MediumBorder":800}" data-ux-module="LNRS/Components/Containers/Stripes/CustomStripe" data-ux-state="pending"> <div class="score-stripe no-padding" style="background-color:#444444;" > <div class="container score-page-layout-column1 "> <div class="score-column1 " > <div class="score-center"> <div class="score-hero horizontal" style="" > <h1> Which Model Is Best for Safeguarding Against Fraud? </h1> <div class="score-hero-body"> <p style="z-index: 1;">1-408-200-5755</p> </div> <div class="score-call-to-action"> <a aria-label="Talk to Sales" class="score-composite-link btn-red hidden-sm hidden-md hidden-lg" data-ux-args="{"ClickMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="#" onclick="javascript:window.open('tel:1-408-200-5755');;return false;" title="Talk to Sales"><img src="https://risk.lexisnexis.com/-/media/images/lnrs/icons/phone-ringing-160x160-wht%20png.png?h=160&iar=0&w=160&hash=04AAD29CAD79C9A6F7B5D2EAD19611A4" class="score-image img-responsive" alt="" /> <span class="dictionary-item" data-id="32C2F5AA-8D13-4253-85DF-6881ABA3A148">Talk To Sales</span> </a><a class="score-composite-link btn-red" data-ux-args="{"ClickMessagesTransmitting":["open contact us modal"]}" data-ux-module="score_bootstrap/Components/Button" data-ux-state="pending" href="#"><img src="https://risk.lexisnexis.com/-/media/images/lnrs/icons/pencil_icon%20png.png?h=20&iar=0&w=20&hash=A7C6AB4BF363E42EA2DCD3CA10ECF939" class="score-image img-responsive" alt="" /> <span class="dictionary-item" data-id="BE8F0EDA-A147-4536-90EA-AAFA7BD7E6E9">Contact Us</span> </a><div aria-hidden="true" aria-labelledby="modal-43baa167-f78f-4c2d-80e0-078d1a23e23e-Label" class="modal fade score-modal" data-ux-args="{"StateChangeMessagesTransmitting":[],"ShowActionMessages":["open contact us modal"],"HideActionMessages":[],"ShowMessagesTransmitting":[],"HideMessagesTransmitting":[]}" data-ux-module="score_bootstrap/Components/Modal" data-ux-state="pending" id="modal-43baa167-f78f-4c2d-80e0-078d1a23e23e" role="dialog" tabindex="-1"> <div class="modal-dialog "> <div class="modal-content"> <div class="modal-header" id="modal-43baa167-f78f-4c2d-80e0-078d1a23e23e-Label"> Contact Us to Learn How We Can Help You <button type="button" class="close" data-dismiss="modal" aria-label="Close"> <span aria-hidden="true">×</span> </button> </div> <div class="modal-body"> <p class="score-lead" > </p> <div class="business-services-contact-form-4fe2b75094bb4e4094470b615a913d47" data-ux-args="{"url":"/GetEloquaFieldIds/%7B794409E6-12BE-4A3B-9B65-C67BFA5FDEE2%7D","pageId":{"Guid":"4994e033-6390-4414-a32c-213dcf85b427","IsGlobalNullId":false,"IsNull":false},"itemId":{"Guid":"794409e6-12be-4a3b-9b65-c67bfa5fdee2","IsGlobalNullId":false,"IsNull":false},"formId":"4fe2b75094bb4e4094470b615a913d47","isEditing":false,"dynamicAttribution":true,"fourDigitCodes":"{\r\n \"BL3P\": \"Blog, 3rd Party\",\r\n \"BLLN\": \"Blog, LNRS\",\r\n \"CS3P\": \"Content Syndication, 3rd Party\",\r\n \"DMLN\": \"Direct Mail, 3rd Party\",\r\n \"DS3P\": \"Display, 3rd Party\",\r\n \"DSGO\": \"Display, Google\",\r\n \"EM3P\": \"Marketing Email, 3rd Party\",\r\n \"EMLN\": \"Marketing Email, LNRS\",\r\n \"LP3P\": \"Landing Page, 3rd Party\",\r\n \"LPLN\": \"Landing Page, LNRS\",\r\n \"OMXX\": \"Online Media\",\r\n \"OSFB\": \"Organic Social, Facebook\",\r\n \"OSLI\": \"Organic Social, LinkedIn\",\r\n \"OSTW\": \"Organic Social, Twitter\",\r\n \"OSYT\": \"Organic Social, Youtube\",\r\n \"PD3P\": 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selected="selected">Country Phone Code *</option> <option value="Afghanistan">Afghanistan (+93)</option> <option value="Albania">Albania (+355)</option> <option value="Algeria">Algeria (+213)</option> <option value="American Samoa">American Samoa +1-684</option> <option value="Andorra">Andorra (+376)</option> <option value="Angola">Angola (+244)</option> <option value="Anguilla">Anguilla +1-264</option> <option value="Antigua and Barbuda">Antigua and Barbuda +1-268</option> <option value="Argentina">Argentina (+54)</option> <option value="Armenia">Armenia (+374)</option> <option value="Aruba">Aruba (+297)</option> <option value="Ascension Island">Ascension Island (+247)</option> <option value="Australia">Australia (+61)</option> <option value="Austria">Austria (+43)</option> <option value="Azerbaijan">Azerbaijan (+994)</option> <option value="Bahamas">Bahamas +1-242</option> <option value="Bahrain">Bahrain (+973)</option> <option value="Bangladesh">Bangladesh (+880)</option> <option value="Barbados">Barbados +1-246</option> <option value="Belarus">Belarus (+375)</option> <option value="Belgium">Belgium (+32)</option> <option value="Belize">Belize (+501)</option> <option value="Benin">Benin (+229)</option> <option value="Bermuda">Bermuda +1-441</option> <option value="Bhutan">Bhutan (+975)</option> <option value="Bolivia">Bolivia (+591)</option> <option value="Bosnia and Herzegovina">Bosnia and Herzegovina (+387)</option> <option value="Botswana">Botswana (+267)</option> <option value="Brazil">Brazil (+55)</option> <option value="British Indian Ocean Territory">British Indian Ocean Territory (+246)</option> <option value="Brunei Darussalam">Brunei Darussalam (+673)</option> <option value="Bulgaria">Bulgaria (+359)</option> <option value="Burkina Faso">Burkina Faso (+226)</option> <option value="Burundi">Burundi (+257)</option> <option value="Cambodia">Cambodia (+855)</option> <option value="Cameroon">Cameroon (+237)</option> <option value="Canada">Canada (+1)</option> <option value="Cape Verde">Cape Verde (+238)</option> <option value="Cayman Islands">Cayman Islands +1-345</option> <option value="Chad">Chad (+235)</option> <option value="Channel Islands">Channel Islands (+44)</option> <option value="Chile">Chile (+56)</option> <option value="China">China (+86)</option> <option value="Colombia">Colombia (+57)</option> <option value="Comoros">Comoros (+269)</option> <option value="Congo">Congo (+242)</option> <option value="Cook Islands">Cook Islands (+682)</option> <option value="Costa Rica">Costa Rica (+506)</option> <option value="Croatia">Croatia (+385)</option> <option value="Cuba">Cuba (+53)</option> <option value="Curacao">Curacao (+599)</option> <option value="Cyprus">Cyprus (+357)</option> <option value="Czech Republic">Czech Republic (+420)</option> <option value="Denmark">Denmark (+45)</option> <option value="Djibouti">Djibouti (+253)</option> <option value="Dominica">Dominica +1-767</option> <option value="Dominican Republic">Dominican Republic +1-809</option> <option value="Ecuador">Ecuador (+593)</option> <option value="Egypt">Egypt (+20)</option> <option value="El Salvador">El Salvador (+503)</option> <option value="Equatorial Guinea">Equatorial Guinea (+240)</option> <option value="Eritrea">Eritrea (+291)</option> <option value="Estonia">Estonia (+372)</option> <option value="Ethiopia">Ethiopia (+251)</option> <option value="Falkland Islands (Malvinas)">Falkland Islands (Malvinas) (+500)</option> <option value="Fiji">Fiji (+679)</option> <option value="Finland">Finland (+358)</option> <option value="France">France (+33)</option> <option value="French Polynesia">French Polynesia (+689)</option> <option value="Gabon">Gabon (+241)</option> <option value="Gambia">Gambia (+220)</option> <option value="Georgia">Georgia (+995)</option> <option value="Germany">Germany (+49)</option> <option value="Ghana">Ghana (+233)</option> <option value="Gibraltar">Gibraltar (+350)</option> <option value="Greece">Greece (+30)</option> <option value="Greenland">Greenland (+299)</option> <option value="Grenada">Grenada +1-473</option> <option value="Guadeloupe">Guadeloupe (+590)</option> <option value="Guam">Guam +1-671</option> <option value="Guatemala">Guatemala (+502)</option> <option value="Guinea">Guinea (+224)</option> <option value="Guinea-Bissau">Guinea-Bissau (+245)</option> <option value="Guyana">Guyana (+592)</option> <option value="Haiti">Haiti (+509)</option> <option value="Honduras">Honduras (+504)</option> <option value="Hong Kong">Hong Kong SAR (+852)</option> <option value="Hungary">Hungary (+36)</option> <option value="Iceland">Iceland (+354)</option> <option value="India">India (+91)</option> <option value="Indonesia">Indonesia (+62)</option> <option value="Iran">Iran (+98)</option> <option value="Iraq">Iraq (+964)</option> <option value="Ireland">Ireland (+353)</option> <option value="Israel">Israel (+972)</option> <option value="Italy">Italy (+39)</option> <option value="Ivory Coast">Ivory Coast (+225)</option> <option value="Jamaica">Jamaica +1-876</option> <option value="Japan">Japan (+81)</option> <option value="Jordan">Jordan (+962)</option> <option value="Kazakhstan">Kazakhstan (+7)</option> <option value="Kenya">Kenya (+254)</option> <option value="Korea">Korea (+82)</option> <option value="Korea, Democratic People's Rep">Korea, Democratic People's Rep (+850)</option> <option value="Kuwait">Kuwait (+965)</option> <option value="Kyrgyzstan">Kyrgyzstan (+996)</option> <option value="Laos">Laos (+856)</option> <option value="Latvia">Latvia (+371)</option> <option value="Lebanon">Lebanon (+961)</option> <option value="Lesotho">Lesotho (+266)</option> <option value="Liberia">Liberia (+231)</option> <option value="Libyan Arab Jamahiriya">Libyan Arab Jamahiriya (+218)</option> <option value="Liechtenstein">Liechtenstein (+423)</option> <option value="Lithuania">Lithuania (+370)</option> <option value="Luxembourg">Luxembourg (+352)</option> <option value="Macau">Macau SAR (+853)</option> <option value="Macedonia">Macedonia (+389)</option> <option value="Madagascar">Madagascar (+261)</option> <option value="Malawi">Malawi (+265)</option> <option value="Malaysia">Malaysia (+60)</option> <option value="Maldives">Maldives (+960)</option> <option value="Mali">Mali (+223)</option> <option value="Malta">Malta (+356)</option> <option value="Marshall Islands">Marshall Islands (+692)</option> <option value="Martinique">Martinique (+596)</option> <option value="Mauritania">Mauritania (+222)</option> <option value="Mauritius">Mauritius (+230)</option> <option value="Mexico">Mexico (+52)</option> <option value="Moldova, Republic of">Moldova, Republic of (+373)</option> <option value="Monaco">Monaco (+377)</option> <option value="Mongolia">Mongolia (+976)</option> <option value="Montenegro">Montenegro (+382)</option> <option value="Montserrat">Montserrat +1-664</option> <option value="Morocco">Morocco (+212)</option> <option value="Mozambique">Mozambique (+258)</option> <option value="Myanmar">Myanmar (+95)</option> <option value="Namibia">Namibia (+264)</option> <option value="Nepal">Nepal (+977)</option> <option value="Netherlands">Netherlands (+31)</option> <option value="Netherlands Antilles">Netherlands Antilles (+599)</option> <option value="New Zealand">New Zealand (+64)</option> <option value="Nicaragua">Nicaragua (+505)</option> <option value="Niger">Niger (+227)</option> <option value="Nigeria">Nigeria (+234)</option> <option value="Northern Mariana Islands">Northern Mariana Islands +1-670</option> <option value="Norway">Norway (+47)</option> <option value="Oman">Oman (+968)</option> <option value="Pakistan">Pakistan (+92)</option> <option value="Palau">Palau (+680)</option> <option value="Palestinian Authority">Palestinian Authority (+970)</option> <option value="Panama">Panama (+507)</option> <option value="Papua New Guinea">Papua New Guinea (+675)</option> <option value="Paraguay">Paraguay (+595)</option> <option value="Peru">Peru (+51)</option> <option value="Philippines">Philippines (+63)</option> <option value="Poland">Poland (+48)</option> <option value="Portugal">Portugal (+351)</option> <option value="Puerto Rico">Puerto Rico +1-787</option> <option value="Qatar">Qatar (+974)</option> <option value="Romania">Romania (+40)</option> <option value="Russian Federation">Russian Federation (+7)</option> <option value="Rwanda">Rwanda (+250)</option> <option value="Samoa">Samoa (+685)</option> <option value="San Marino">San Marino (+378)</option> <option value="Saudi Arabia">Saudi Arabia (+966)</option> <option value="Senegal">Senegal (+221)</option> <option value="Serbia">Serbia (+381)</option> <option value="Seychelles">Seychelles (+248)</option> <option value="Sierra Leone">Sierra Leone (+232)</option> <option value="Singapore">Singapore (+65)</option> <option value="Slovakia">Slovakia (+421)</option> <option value="Slovenia">Slovenia (+386)</option> <option value="Solomon Islands">Solomon Islands (+677)</option> <option value="Somalia">Somalia (+252)</option> <option value="South Africa">South Africa (+27)</option> <option value="Spain">Spain (+34)</option> <option value="Sri Lanka">Sri Lanka (+94)</option> <option value="St. Kitts and Nevis">St. Kitts and Nevis +1-869</option> <option value="St. Lucia">St. Lucia +1-758</option> <option value="St. Pierre and Miquelon">St. Pierre and Miquelon (+508)</option> <option value="St. Vincent and Grenadines">St. Vincent and Grenadines +1-784</option> <option value="Sudan">Sudan (+249)</option> <option value="Suriname">Suriname (+597)</option> <option value="Swaziland">Swaziland (+268)</option> <option value="Sweden">Sweden (+46)</option> <option value="Switzerland">Switzerland (+41)</option> <option value="Syrian Arab Republic">Syrian Arab Republic (+963)</option> <option value="Taiwan">Taiwan (+886)</option> <option value="Tajikistan">Tajikistan (+992)</option> <option value="Tanzania">Tanzania (+255)</option> <option value="Thailand">Thailand (+66)</option> <option value="Togo">Togo (+228)</option> <option value="Tonga">Tonga (+676)</option> <option value="Trinidad and Tobago">Trinidad and Tobago +1-868</option> <option value="Tunisia">Tunisia (+216)</option> <option value="Turkey">Turkey (+90)</option> <option value="Turkmenistan">Turkmenistan (+993)</option> <option value="Turks and Caicos Islands">Turks and Caicos Islands +1-649</option> <option value="Tuvalu">Tuvalu (+688)</option> <option value="Uganda">Uganda (+256)</option> <option value="Ukraine">Ukraine (+380)</option> <option value="United Arab Emirates">United Arab Emirates (+971)</option> <option value="United Kingdom">United Kingdom (+44)</option> <option value="USA">United States (+1)</option> <option value="Uruguay">Uruguay (+598)</option> <option value="US Minor Outlying Islands">US Minor Outlying Islands (+1)</option> <option value="Uzbekistan">Uzbekistan (+998)</option> <option value="Vanuatu">Vanuatu (+678)</option> <option value="Venezuela">Venezuela (+58)</option> <option value="Vietnam">Vietnam (+84)</option> <option value="Virgin Islands (British)">Virgin Islands (British) +1-284</option> <option value="Virgin Islands (U.S.)">Virgin Islands (U.S.) +1-340</option> <option value="Western Sahara">Western Sahara (+212)</option> <option value="Yemen">Yemen (+967)</option> <option value="Zambia">Zambia (+260)</option> <option value="Zimbabwe">Zimbabwe (+263)</option> </select> <span class="field-validation-valid" data-valmsg-for="CountryPhoneCode" data-valmsg-replace="true"></span> </div> <div class="form-group short left"> <label class="sr-only" for="WorkPhone">Work Phone *</label> <input class="form-control" data-val="true" data-val-phonewithcountrycode="Work Phone format is invalid" data-val-phonewithcountrycode-countryCodeField="CountryPhoneCode" data-val-phonewithcountrycode-pattern="^(\+|$|\d)[1-9][0-9 \-\($\.]{7,32}$" data-val-required="Work Phone is required" eloquaName="busPhone" id="WorkPhone" name="WorkPhone" placeholder="Work Phone *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="WorkPhone" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="WorkEmail">Work Email *</label> <input class="form-control" data-val="true" data-val-regex="Work Email has wrong format" data-val-regex-pattern="^([\w\.\-]+)@([\w\-]+)((\.(\w){1,20})+)$" data-val-required="Work Email is required" eloquaName="emailAddress" id="WorkEmail" name="WorkEmail" placeholder="Work Email *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="WorkEmail" data-valmsg-replace="true"></span> </div> <div class="form-group short left"> <label class="sr-only" for="Company">Company *</label> <input class="form-control" data-val="true" data-val-length="Company should not exceed 50 characters" data-val-length-max="50" data-val-required="Company is required" eloquaName="company" id="Company" name="Company" placeholder="Company *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="Company" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="Country">Country/Region *</label> <select class="selectpicker form-control" data-val="true" data-val-required="Country/Region is not selected" eloquaName="country" id="Country" name="Country"><option disabled="disabled" selected="selected">Country/Region *</option> <option value="Afghanistan">Afghanistan</option> <option value="Albania">Albania</option> <option value="Algeria">Algeria</option> <option value="American Samoa">American Samoa</option> <option value="Andorra">Andorra</option> <option value="Angola">Angola</option> <option value="Anguilla">Anguilla</option> <option value="Antigua and Barbuda">Antigua and Barbuda</option> <option value="Argentina">Argentina</option> <option value="Armenia">Armenia</option> <option 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value="A48655B5-449E-468B-8A47-193543028541"> <input type="hidden" eloquaName="elqCookieWrite" name="elqCookieWrite" value="0"> <input data-val="true" data-val-required="The ValidateEmail field is required." id="ValidateEmail" name="ValidateEmail" type="hidden" value="True" /><input data-val="true" data-val-required="The ValidatePhone field is required." id="ValidatePhone" name="ValidatePhone" type="hidden" value="True" /> <div class="form-group long"> <div data-ux-args="{"siteKey":"6LdaMy4UAAAAAEhyfg84_kojeR2PyeHv76zNOeko"}" data-ux-module="Components/Validation/ReCaptcha" data-ux-state="pending"> <div class="g-recaptcha" data-sitekey="6LdaMy4UAAAAAEhyfg84_kojeR2PyeHv76zNOeko"></div> <input data-recaptcha="True" data-val="true" data-val-required="The Captcha field is required." id="Captcha" name="Captcha" type="hidden" value="" /></div> <span class="field-validation-valid" data-valmsg-for="Captcha" data-valmsg-replace="false">ReCaptcha is required</span> </div> <input id="LanguageName" name="LanguageName" type="hidden" value="en-US" /> <div class="form-group long disclaimer"> <span>LexisNexis Risk Solutions Inc. and its entities may also contact you regarding our products and services as well as the latest industry insights. You can opt-out of our communications at any time via our <a rel="noopener noreferrer" href="https://solutions.risk.lexisnexis.com/PreferenceCenter" target="_blank">preference center</a>.</span> </div> <div class="form-group short left"> <button type="submit" class="btn btn-lg btn-primary btn-block">Submit</button> </div> </form> <div class="score-well fade" v-show="isFormSubmitted" style="display:none"> <div class="score-center-text"> <h2 style="display: block">Thank you.</h2> <p>We'll contact you.</p> <br> </div> </div> <div class="download score-center-text" style="display: none"> <a class="score-composite-link btn-red" id="download" download> <img src="/Areas/LNRS/img/placeholders/Download_svg.svg" class="score-image img-responsive" alt=""> <span class="">Download</span> </a> </div> </div> </div> <div class="modal-footer score-call-to-action"> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div><div class="score-stripe border-top" style="" > <div class="container score-page-layout-column2 score-page-layout-large-left "> <div class="score-column2 wide-left" > <div class="score-left"> <div class="score-section-hero" style="" > <h2> How Single Vs Multiple Models Can Optimize Risk Mitigation Strategies </h2> <div class="score-call-to-action"> </div> </div><div class="score-column2 equal" > <div class="score-left"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-page-image.jpg?h=570&iar=0&w=600&hash=E2DA0A4F394AB7C1763B02FF845CF24A" class="score-image img-responsive" alt="online data fraud" /> </div> <div class="score-right"> <div class="score-content-spot" > <strong>A simple overall risk score or specialized scores for different kinds of risks: Which model is best for safeguarding against fraud? The right answer depends on each organization’s challenges and objectives. Here’s a detailed look at the trade-offs.</strong><br /> <h3>The Growing Complexity of Fraud</h3> Fraud is on the rise around the world, accounting for nearly $500 billion in losses in 2023 according to NASDAQ’s inaugural 2024 Global Financial Crime Report. And the damage from fraud is heavily concentrated in the financial space. <br /> </div> </div> </div><div class="score-content-spot" > <ul> <li style="z-index: 1;">In the U.K., fraudsters stole £580 million in just the first six months of 2023, <a rel="noopener noreferrer" href="https://www.ukfinance.org.uk/system/files/2023-10/Half year fraud update 2023.pdf" target="_blank">according to UK Finance</a>. More than 40% of this (£239 million) was due to authorized push payment (APP) scams, such as purchase and investment scams, a rate that’s up about 27% over the 2020 figures.</li> <li style="z-index: 1;">In the U.S., fraud cost customers a record $10 billion last year <a rel="noopener noreferrer" href="https://www.ftc.gov/news-events/news/press-releases/2024/02/nationwide-fraud-losses-top-10-billion-2023-ftc-steps-efforts-protect-public#:~:text=Consumers%20reported%20losing%20more%20money,a%2021%25%20increase%20over%202022" target="_blank">according to the Federal Trade Commission</a>, including $4.6 billion from investment fraud and $1.8 billion lost in scams involving bank transfers, thanks in part to the difficulty of thwarting real-time push payment scams.</li> <li style="z-index: 1;">In the Asia-Pacific (APAC) region, according to our own <a rel="noopener noreferrer" href="https://risk.lexisnexis.com/global/en/insights-resources/research/apac-true-cost-of-fraud-study" target="_blank">2023 True Cost of Fraud study</a>, nearly three out of five respondents reported a rise in fraud year over year. And increased verification checks are taking a toll on customer satisfaction: 75% of respondents reported declining customer conversion rates.</li> </ul> <p style="z-index: 1;">The fast-evolving world of financial services represents the ultimate high-value target for fraudsters, who are investing a lot of time and resources to try and bypass security solutions. The result is a dizzying variety of fraud types, from account takeovers to social-engineering scams to exotic vehicles like Automated Clearing House fraud in the U.S., where a scammer uses a stolen checking account and routing number to steal funds. </p> <p style="z-index: 1;">Fraud detection tools have evolved in sophistication to help banks combat this activity, at scale and in close to real time, including spot security solutions as well as comprehensive platforms like LexisNexis® ThreatMetrix® and LexisNexis® Emailage.® But before they can leverage tools, institutions need to define their best strategy. And one major question to be decided is whether to adopt a “single model” or “multiple models” approach to discovering suspicious interactions, thwarting fraud, reducing risk, and clearing the path for trusted customers.</p> <p style="z-index: 1;">The <strong>single-model approach</strong> collects data on a proposed interaction and assigns it a single risk score, so the institution can quickly decide whether to accept, deny, or review the transaction. This solution can be very effective at denying fraudsters, but it doesn’t help the institution identify what type of fraudulent activity was in play. Sometimes this doesn’t matter, but more often than not it does. </p> <p style="z-index: 1;">The <strong>multiple-models approach</strong> produces multiple scores, measuring each transaction against the telltale patterns of distinct fraud types, such as scams versus account takeovers. With a clearer picture of what’s happening, banks can intelligently decide what specific actions to take next. Multiple-models approaches can be more complex to set up and integrate, but they deliver fine-grained data that can trigger better informed enterprise response.</p> <p style="z-index: 1;">Consider an email analogy. As a customer, you might be content to have your email provider simply block all spam and phishing attempts—you don’t need to know which is which. That’s a single-model approach. Your email provider, on the other hand, might be very interested in knowing which is which: After all, spam is mainly a nuisance, but phishing attempts betray criminal intent, and that needs to be addressed as an ongoing threat. Distinguishing between the two calls for a multiple-models approach.</p> <p style="z-index: 1;">LexisNexis® Risk Solutions has the flexibility to implement either approach for clients, or even a hybrid between the two, as we’ll detail below. To achieve the best results in securing customers and assets, it’s important that financial institutions use the right system for their unique situation. Here’s a deeper dive into the advantages and challenges of both approaches.</p> <h3 style="z-index: 1;">The Single-Model Approach: Speed, Simplicity, and Ease of Integration</h3> <p style="z-index: 1;">A company using the single-model approach has one risk score to analyze and track: Each proposed digital transaction is either approved, reviewed, or denied. This simplicity is a key advantage, and the single-model approach can be faster to deploy and easier to integrate into an existing fraud mitigation strategy. LexisNexis® Risk Solutions experts who support implementing the single-model approach say it can require one third less training than adopting multiple models. And when a company has other security processes downstream of this customer transaction, the single score’s simplicity can make the entire interaction run more smoothly.</p> <p style="z-index: 1;">In fact, for some smaller companies and newer financial institutions the single model approach could be the only viable solution. Some enterprises have risk engines that take in inputs from multiple sources and can only consume a single transaction risk score without extra programming. Others, particularly in highly regulated industries like financial services, may wish to avoid compliance issues related to the complex machine learning algorithms employed by multiple-models solutions, delaying implementation. Other financial institutions may simply not have the teams available to evaluate multiple-models scores or may not produce a high enough volume of robust fraud data to properly feed the machine-learning algorithms that multi-models approaches depend on to be effective. For institutions facing these challenges, the single model approach may be best.</p> </div><div class="score-column1 " > <div class="score-center"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/view-of-the-multiple-models-approachmobile.jpg?h=628&iar=0&w=811&hash=6DAFEE8B24E768B9DC135BCB584BD277" class="score-image img-responsive" alt="Single model approach" /> </div> </div><div class="score-content-spot" > <p>By modeling the differences between legitimate transactions and confirmed fraudulent transactions, single-model solutions can offer significant fraud protection, and can be a reasonable compromise for many financial institutions, particularly those with smaller or more homogenous fraud teams. However, different kinds of frauds and scams merit different security responses, and therein lies the main disadvantage of the single-model approach. Once a suspicious transaction is detected, that single “fail” score doesn’t leave institutions with a detailed picture of what happened—and doesn’t provide any insight as to what they should do next.</p> <h3>The Multiple-Models Approach: Fine-Tuned Defense and Informed Next Steps</h3> <p>Organizations that deploy a multiple-models approach can gain deeper insights into each fraud attempt and tailor their responses accordingly. If a customer has unknowingly fallen prey to an account takeover, for example, sending a one-time password is a reliable way to neutralize the threat: A real customer can likely supply the password, and a fraudster likely can’t. But if the fraud in question is a trusted customer being scammed, that OTP won’t help the situation—it might even help the scammer get what they’re after. Understanding the difference at the point of each transaction attempt enables a more strategic approach to addressing the risk in real time and defining what the next step should be without defaulting to treating their honest customer—the victim—like a criminal.</p> <p>The multiple-models approach is favored by many larger and more mature financial institutions, especially those with dedicated teams focused on different types of frauds and scams. The approach can employ AI to analyze reams of transaction data for subtle indicators of particular fraud patterns, making predictions whose accuracy improves over time. Armed with a complex, customized solution that employs multiple models, businesses can position themselves not only to thwart frauds and scams, but to better understand what type of fraud happened, so they can respond accurately and appropriately. </p> <div> </div> </div><div class="score-column1 " > <div class="score-center"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/view-of-the-multiple-models-approach.jpeg?h=628&iar=0&w=1555&hash=BD56E115FB048D06418771774581B218" class="score-image img-responsive" alt="Multiple-models approach" /> </div> </div><div class="score-content-spot" > <p style="z-index: 1;">Every fraud mitigation strategy can be expected to degrade over time, as fraudsters adapt their tactics to try bypassing each new security measure. Single-model approaches to fraud detection may be more vulnerable in this regard: Fraudster successes that degrade any component of the single score will make that single score less valuable. The multiple-models approach, on the other hand, is more robust: If the model for scams loses effectiveness, for example, that doesn’t degrade the models that detect and defend against account takeover and other types of out-and-out fraud. This lets businesses focus on addressing any evolution of a specific fraud type while still maintaining effective strategies against other fraudulent schemes.</p> <p style="z-index: 1;">The slight added complexity of a multiple-models approach is that the business now needs to decide on a threshold or thresholds for each model individually to block transactions or drive other authentication processes. While this requires additional analysis to determine the optimal combination, it also enables more strategic options. The tolerance for false positives, in some instances, might be entirely different between different fraud types and authentication methods. For example, a business might decide to use OTP authentication for the top 1% of scores from the account takeover model, but might decide to show scam warning messaging to the top 5% of scores from the scam specific model because the friction added to the customer journey has less impact on the user experience of a genuine customer.</p> <h3 style="z-index: 1;">Case Study: Single and Multi-Model Go Head-To-Head</h3> <p> <br /> The LexisNexis® Risk Solutions Professional Services team completed a recent project with a leading financial institution in the UK where the aim was to experiment with the different methods available and identify the best route forward.</p> <p>When comparing a single model approach to a multiple-models approach with an optimal combination of thresholds, the multiple-models approach provided 3.3% additional fraud value detection on the testing data. This may seem like a small difference in performance, but when considered on an annual basis for this client, the difference results in nearly $1 million in additional fraud detected.</p> <p>This incremental value detection makes it easy to justify the added complexity in training time, governance, and deployment of a multiple-models solution – whilst also providing the client with the strategic and operational tools that they need to correctly and efficiently investigate risky cases. The client makes additional use of the 2 scores to ensure that their operational teams utilize appropriate questioning if they contact the customer to verify a transaction.<br /> <br /> </p> <h3 style="z-index: 1;">The Third Path: A Hybrid Approach</h3> <p> For banks that want (or need) the simplicity of the single-model approach but crave the interpretability of the multiple-models approach, a third path is emerging.</p> <p>In a hybrid approach, the system first assigns a single overall risk score to every transaction, feeding the enterprise risk engine and halting fraudulent behavior of any kind, immediately. Then a secondary model takes over, analyzing the risky transaction data more closely to determine what type of fraud or scam attempt this probably was, supplying an additional data point that can be used to drive downstream decisions. The secondary model is trained only on the fraudulent transactions, allowing the model to home in on the behavioral patterns that uniquely identify each individual fraud type without the noise added by the genuine transactions. This could be a binary model, for example scams vs account takeovers, or it could be a multi-class model extending to whatever total number of unique fraud types the organization suffers from.</p> <p>This hybrid approach combines the simplicity of a single score with the actionable responses of a flexible multiple-models approach. For many financial institutions, it provides the best of both worlds.</p> </div><div class="score-column1 " > <div class="score-center"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-hybrid-approach.jpg?h=627&iar=0&w=1553&hash=536AAA34A5F49BE6DADBA36B81529F72" class="score-image img-responsive" alt="Single model approach" /> </div> </div><div class="score-content-spot" > <p>There are literally thousands of components that contribute to the risk analysis of LexisNexis® ThreatMetrix®, but here’s one example: Is the device being used this user’s recognized, long-term phone, or is it a different one or a brand-new device they’ve never used before? This feature alone is likely to be quite important in determining the overall risk of a transaction, but is one among many signals used to generate the final risk score. In the context of the secondary model, though, the same feature can have a much higher importance in determining the most likely fraud type: A device used by a fraudster in account takeover is unlikely to have ever accessed the user’s account before, whereas the device seen in a scam is likely to be the user’s recognized, long-term device.</p> <p>The following graphic shows how the above feature is distributed for genuine transactions, scam transactions and account takeover transactions in a real-world dataset:</p> </div><div class="score-column1 " > <div class="score-center"> <img src="https://risk.lexisnexis.com/-/media/images/financial%20services/single-vs-multi-model-ato.jpg?h=628&iar=0&w=1146&hash=C2F32DEAA295244147C12F21E3D17316" class="score-image img-responsive" alt="Scam vs ATO model" /> </div> </div><div class="score-content-spot" > <p>It’s clear to see from the distributions that this feature would be very useful separating account takeovers from either of the other 2 groups of transactions, but not useful at all for separating scams from genuine transactions.</p> <p>LexisNexis® Risk Solutions has deep experience helping institutions find the right mix of strategies to reliably mitigate fraud without causing undue friction for their legitimate customers. Backed by business intelligence based on a dataset of over 286 million identities in the U.S. and its territories, our solutions equip enterprises to build powerful and scalable strategies that keep their customers’ accounts and identities safe. </p> </div> <div class="score-column1"> <div class="score-center"> <div class="score-style-box tags score-resource-tags"> <div class="score-button-group"> <a lang="en-US" class="score-button score-button" href="https://risk.lexisnexis.com/insights-resources?idx=lnrs-web93-us&dFR[_template][0]={351839DE-0AA0-448A-8832-2429282C1B78}&dFR[_template][1]={3760C9B0-040B-441B-89D4-D36F0DD765AA}&fR[_language][0]=en-US&hFR[hierarchical industries.lvl0][0]=Financial%20Services">Financial Services</a> <a lang="en-US" class="score-button score-button" href="https://risk.lexisnexis.com/insights-resources?idx=lnrs-web93-us&dFR[_template][0]={351839DE-0AA0-448A-8832-2429282C1B78}&dFR[_template][1]={3760C9B0-040B-441B-89D4-D36F0DD765AA}&fR[_language][0]=en-US&hFR[hierarchical industries.lvl0][0]=Corporations">Corporations</a> </div> <div class="score-button-group"> <a lang="en-US" class="score-button score-button" href="https://risk.lexisnexis.com/insights-resources?idx=lnrs-web93-us&dFR[_template][0]={351839DE-0AA0-448A-8832-2429282C1B78}&dFR[_template][1]={3760C9B0-040B-441B-89D4-D36F0DD765AA}&fR[_language][0]=en-US&hFR[solutions][0]=Fraud">Fraud</a> <a lang="en-US" class="score-button score-button" href="https://risk.lexisnexis.com/insights-resources?idx=lnrs-web93-us&dFR[_template][0]={351839DE-0AA0-448A-8832-2429282C1B78}&dFR[_template][1]={3760C9B0-040B-441B-89D4-D36F0DD765AA}&fR[_language][0]=en-US&hFR[solutions][0]=Identity">Identity</a> </div> </div> </div> </div> </div> <div class="score-right"> <div class="score-section-hero" 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LNRS\"\r\n}","treatmentMSIDToAreaOfInterestMap":{"BSCRAS":"Credit Risk Assessment","BSFCCO":"Financial Crime Compliance","BSFRIM":"Fraud and Identity Management","BSPAYE":"Payments Efficiency","BSPLTS":"Show solution of interest field","BSCRMK":"Show solution of interest field","BSGENL":"Show solution of interest field","BSUSFI":"Fraud and Identity Management","BSEMFI":"Fraud and Identity Management","BSLAFI":"Fraud and Identity Management","BSAPFI":"Fraud and Identity Management","BSGLFI":"Fraud and Identity Management","BSUSBR":"Small and Mid Sized Business Risk","BSUSCR":"Credit Risk Assessment","BSUSFC":"Financial Crime Compliance","BSEMFC":"Financial Crime Compliance","BSLAFC":"Financial Crime Compliance","BSAPFC":"Financial Crime Compliance","BSGLFC":"Financial Crime Compliance","BSUSCO":"Collections and recovery","BSUSPE":"Payments Efficiency","BSEMPE":"Payments Efficiency","BSLAPE":"Payments Efficiency","BSAPPE":"Payments Efficiency","BSGLPE":"Payments 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class="form-control" data-val="true" data-val-length="First Name should not exceed 50 characters" data-val-length-max="50" data-val-required="First Name is required" eloquaName="firstName" id="FirstName" maxlength="50" name="FirstName" placeholder="First Name *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="FirstName" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="LastName">Last Name *</label> <input class="form-control" data-val="true" data-val-length="First Name should not exceed 50 characters" data-val-length-max="50" data-val-required="Last Name is required" eloquaName="lastName" id="LastName" maxlength="50" name="LastName" placeholder="Last Name *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="LastName" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="CountryPhoneCode">Country Phone Code *</label> 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<option value="Syrian Arab Republic">Syrian Arab Republic (+963)</option> <option value="Taiwan">Taiwan (+886)</option> <option value="Tajikistan">Tajikistan (+992)</option> <option value="Tanzania">Tanzania (+255)</option> <option value="Thailand">Thailand (+66)</option> <option value="Togo">Togo (+228)</option> <option value="Tonga">Tonga (+676)</option> <option value="Trinidad and Tobago">Trinidad and Tobago +1-868</option> <option value="Tunisia">Tunisia (+216)</option> <option value="Turkey">Turkey (+90)</option> <option value="Turkmenistan">Turkmenistan (+993)</option> <option value="Turks and Caicos Islands">Turks and Caicos Islands +1-649</option> <option value="Tuvalu">Tuvalu (+688)</option> <option value="Uganda">Uganda (+256)</option> <option value="Ukraine">Ukraine (+380)</option> <option value="United Arab Emirates">United Arab Emirates (+971)</option> <option value="United Kingdom">United Kingdom (+44)</option> <option value="USA">United States (+1)</option> <option value="Uruguay">Uruguay (+598)</option> <option value="US Minor Outlying Islands">US Minor Outlying Islands (+1)</option> <option value="Uzbekistan">Uzbekistan (+998)</option> <option value="Vanuatu">Vanuatu (+678)</option> <option value="Venezuela">Venezuela (+58)</option> <option value="Vietnam">Vietnam (+84)</option> <option value="Virgin Islands (British)">Virgin Islands (British) +1-284</option> <option value="Virgin Islands (U.S.)">Virgin Islands (U.S.) +1-340</option> <option value="Western Sahara">Western Sahara (+212)</option> <option value="Yemen">Yemen (+967)</option> <option value="Zambia">Zambia (+260)</option> <option value="Zimbabwe">Zimbabwe (+263)</option> </select> <span class="field-validation-valid" data-valmsg-for="CountryPhoneCode" data-valmsg-replace="true"></span> </div> <div class="form-group short left"> <label class="sr-only" for="WorkPhone">Work Phone *</label> <input class="form-control" data-val="true" data-val-phonewithcountrycode="Work Phone format is invalid" data-val-phonewithcountrycode-countryCodeField="CountryPhoneCode" data-val-phonewithcountrycode-pattern="^(\+|$|\d)[1-9][0-9 \-\($\.]{7,32}$" data-val-required="Work Phone is required" eloquaName="busPhone" id="WorkPhone" name="WorkPhone" placeholder="Work Phone *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="WorkPhone" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="WorkEmail">Work Email *</label> <input class="form-control" data-val="true" data-val-regex="Work Email has wrong format" data-val-regex-pattern="^([\w\.\-]+)@([\w\-]+)((\.(\w){1,20})+)$" data-val-required="Work Email is required" eloquaName="emailAddress" id="WorkEmail" name="WorkEmail" placeholder="Work Email *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="WorkEmail" data-valmsg-replace="true"></span> </div> <div class="form-group short left"> <label class="sr-only" for="Company">Company *</label> <input class="form-control" data-val="true" data-val-length="Company should not exceed 50 characters" data-val-length-max="50" data-val-required="Company is required" eloquaName="company" id="Company" name="Company" placeholder="Company *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="Company" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="Country">Country/Region *</label> <select class="selectpicker form-control" data-val="true" data-val-required="Country/Region is not selected" eloquaName="country" id="Country" name="Country"><option disabled="disabled" selected="selected">Country/Region *</option> <option value="Afghanistan">Afghanistan</option> <option value="Albania">Albania</option> <option value="Algeria">Algeria</option> <option value="American Samoa">American Samoa</option> <option value="Andorra">Andorra</option> <option value="Angola">Angola</option> <option value="Anguilla">Anguilla</option> <option value="Antigua and Barbuda">Antigua and Barbuda</option> <option value="Argentina">Argentina</option> <option value="Armenia">Armenia</option> <option value="Aruba">Aruba</option> <option value="Ascension Island">Ascension Island</option> <option value="Australia">Australia</option> <option value="Austria">Austria</option> <option value="Azerbaijan">Azerbaijan</option> <option value="Bahamas">Bahamas</option> <option value="Bahrain">Bahrain</option> <option value="Bangladesh">Bangladesh</option> <option value="Barbados">Barbados</option> <option value="Belarus">Belarus</option> <option value="Belgium">Belgium</option> <option value="Belize">Belize</option> <option value="Benin">Benin</option> <option value="Bermuda">Bermuda</option> <option value="Bhutan">Bhutan</option> <option value="Bolivia">Bolivia</option> <option value="Bosnia and Herzegovina">Bosnia and Herzegovina</option> <option value="Botswana">Botswana</option> <option value="Brazil">Brazil</option> <option value="British Indian Ocean Territory">British Indian Ocean Territory</option> <option value="Brunei Darussalam">Brunei Darussalam</option> <option value="Bulgaria">Bulgaria</option> <option value="Burkina Faso">Burkina Faso</option> <option value="Burundi">Burundi</option> <option value="Cambodia">Cambodia</option> <option value="Cameroon">Cameroon</option> <option value="Canada">Canada</option> <option value="Cape Verde">Cape Verde</option> <option value="Cayman Islands">Cayman Islands</option> <option value="Chad">Chad</option> <option value="Channel Islands">Channel Islands</option> <option value="Chile">Chile</option> <option value="China">China</option> <option value="Colombia">Colombia</option> <option value="Comoros">Comoros</option> <option value="Congo">Congo</option> <option value="Cook Islands">Cook Islands</option> <option value="Costa Rica">Costa Rica</option> <option value="Croatia">Croatia</option> <option value="Cuba">Cuba</option> <option value="Curacao">Curacao</option> <option value="Cyprus">Cyprus</option> <option value="Czech Republic">Czech Republic</option> <option value="Denmark">Denmark</option> <option value="Djibouti">Djibouti</option> <option value="Dominica">Dominica</option> <option value="Dominican Republic">Dominican Republic</option> <option value="Ecuador">Ecuador</option> <option value="Egypt">Egypt</option> <option value="El Salvador">El Salvador</option> <option value="Equatorial Guinea">Equatorial Guinea</option> <option value="Eritrea">Eritrea</option> <option value="Estonia">Estonia</option> <option value="Ethiopia">Ethiopia</option> <option value="Falkland Islands (Malvinas)">Falkland Islands (Malvinas)</option> <option value="Fiji">Fiji</option> <option value="Finland">Finland</option> <option value="France">France</option> <option value="French Polynesia">French Polynesia</option> <option value="Gabon">Gabon</option> <option value="Gambia">Gambia</option> <option value="Georgia">Georgia</option> <option value="Germany">Germany</option> <option value="Ghana">Ghana</option> <option value="Gibraltar">Gibraltar</option> <option value="Greece">Greece</option> <option value="Greenland">Greenland</option> <option value="Grenada">Grenada</option> <option value="Guadeloupe">Guadeloupe</option> <option value="Guam">Guam</option> <option value="Guatemala">Guatemala</option> <option value="Guinea">Guinea</option> <option value="Guinea-Bissau">Guinea-Bissau</option> <option value="Guyana">Guyana</option> <option value="Haiti">Haiti</option> <option value="Honduras">Honduras</option> <option value="Hong Kong">Hong Kong SAR</option> <option value="Hungary">Hungary</option> <option value="Iceland">Iceland</option> <option value="India">India</option> <option value="Indonesia">Indonesia</option> <option value="Iran">Iran</option> <option value="Iraq">Iraq</option> <option value="Ireland">Ireland</option> <option value="Israel">Israel</option> <option value="Italy">Italy</option> <option value="Ivory Coast">Ivory Coast</option> <option value="Jamaica">Jamaica</option> <option value="Japan">Japan</option> <option value="Jordan">Jordan</option> <option value="Kazakhstan">Kazakhstan</option> <option value="Kenya">Kenya</option> <option value="Korea">Korea</option> <option value="Korea, Democratic People's Rep">Korea, Democratic People's Rep</option> <option value="Kuwait">Kuwait</option> <option value="Kyrgyzstan">Kyrgyzstan</option> <option value="Laos">Laos</option> <option value="Latvia">Latvia</option> <option value="Lebanon">Lebanon</option> <option value="Lesotho">Lesotho</option> <option value="Liberia">Liberia</option> <option value="Libyan Arab Jamahiriya">Libyan Arab Jamahiriya</option> <option value="Liechtenstein">Liechtenstein</option> <option value="Lithuania">Lithuania</option> <option value="Luxembourg">Luxembourg</option> <option value="Macau">Macau SAR</option> <option value="Macedonia">Macedonia</option> <option value="Madagascar">Madagascar</option> <option value="Malawi">Malawi</option> <option value="Malaysia">Malaysia</option> <option value="Maldives">Maldives</option> <option value="Mali">Mali</option> <option value="Malta">Malta</option> <option value="Marshall Islands">Marshall Islands</option> <option value="Martinique">Martinique</option> <option value="Mauritania">Mauritania</option> <option value="Mauritius">Mauritius</option> <option value="Mexico">Mexico</option> <option value="Moldova, Republic of">Moldova, Republic of</option> <option value="Monaco">Monaco</option> <option value="Mongolia">Mongolia</option> <option value="Montenegro">Montenegro</option> <option value="Montserrat">Montserrat</option> <option value="Morocco">Morocco</option> <option value="Mozambique">Mozambique</option> <option value="Myanmar">Myanmar</option> <option value="Namibia">Namibia</option> <option value="Nepal">Nepal</option> <option value="Netherlands">Netherlands</option> <option value="Netherlands Antilles">Netherlands Antilles</option> <option value="New Zealand">New Zealand</option> <option value="Nicaragua">Nicaragua</option> <option value="Niger">Niger</option> <option value="Nigeria">Nigeria</option> <option value="Northern Mariana Islands">Northern Mariana Islands</option> <option value="Norway">Norway</option> <option value="Oman">Oman</option> <option value="Pakistan">Pakistan</option> <option value="Palau">Palau</option> <option value="Palestinian Authority">Palestinian Authority</option> <option value="Panama">Panama</option> <option value="Papua New Guinea">Papua New Guinea</option> <option value="Paraguay">Paraguay</option> <option value="Peru">Peru</option> <option value="Philippines">Philippines</option> <option value="Poland">Poland</option> <option value="Portugal">Portugal</option> <option value="Puerto Rico">Puerto Rico</option> <option value="Qatar">Qatar</option> <option value="Romania">Romania</option> <option value="Russian Federation">Russian Federation</option> <option value="Rwanda">Rwanda</option> <option value="Samoa">Samoa</option> <option value="San Marino">San Marino</option> <option value="Saudi Arabia">Saudi Arabia</option> <option value="Senegal">Senegal</option> <option value="Serbia">Serbia</option> <option value="Seychelles">Seychelles</option> <option value="Sierra Leone">Sierra Leone</option> <option value="Singapore">Singapore</option> <option value="Slovakia">Slovakia</option> <option value="Slovenia">Slovenia</option> <option value="Solomon Islands">Solomon Islands</option> <option value="Somalia">Somalia</option> <option value="South Africa">South Africa</option> <option value="Spain">Spain</option> <option value="Sri Lanka">Sri Lanka</option> <option value="St. Kitts and Nevis">St. Kitts and Nevis</option> <option value="St. Lucia">St. Lucia</option> <option value="St. Pierre and Miquelon">St. Pierre and Miquelon</option> <option value="St. Vincent and Grenadines">St. Vincent and Grenadines</option> <option value="Sudan">Sudan</option> <option value="Suriname">Suriname</option> <option value="Swaziland">Swaziland</option> <option value="Sweden">Sweden</option> <option value="Switzerland">Switzerland</option> <option value="Syrian Arab Republic">Syrian Arab Republic</option> <option value="Taiwan">Taiwan</option> <option value="Tajikistan">Tajikistan</option> <option value="Tanzania">Tanzania</option> <option value="Thailand">Thailand</option> <option value="Togo">Togo</option> <option value="Tonga">Tonga</option> <option value="Trinidad and Tobago">Trinidad and Tobago</option> <option value="Tunisia">Tunisia</option> <option value="Turkey">Turkey</option> <option value="Turkmenistan">Turkmenistan</option> <option value="Turks and Caicos Islands">Turks and Caicos Islands</option> <option value="Tuvalu">Tuvalu</option> <option value="Uganda">Uganda</option> <option value="Ukraine">Ukraine</option> <option value="United Arab Emirates">United Arab Emirates</option> <option value="United Kingdom">United Kingdom</option> <option value="USA">United States</option> <option value="Uruguay">Uruguay</option> <option value="US Minor Outlying Islands">US Minor Outlying Islands</option> <option value="Uzbekistan">Uzbekistan</option> <option value="Vanuatu">Vanuatu</option> <option value="Venezuela">Venezuela</option> <option value="Vietnam">Vietnam</option> <option value="Virgin Islands (British)">Virgin Islands (British)</option> <option value="Virgin Islands (U.S.)">Virgin Islands (U.S.)</option> <option value="Western Sahara">Western Sahara</option> <option value="Yemen">Yemen</option> <option value="Zambia">Zambia</option> <option value="Zimbabwe">Zimbabwe</option> </select> <span class="field-validation-valid" data-valmsg-for="Country" data-valmsg-replace="true"></span> </div> <div class="form-group short right"> <label class="sr-only" for="ZipCode">Work Zip / Postal Code *</label> <input class="form-control" data-val="true" data-val-regex="Work Zip / Postal Code has wrong format" data-val-regex-pattern="(^\d{5}$)|(^\d{5}-\d{4}$)" data-val-requiredor="Work Zip / Postal Code is required" data-val-requiredor-properties="SkipZipCodeValidation" eloquaName="zipPostal" id="ZipCode" name="ZipCode" placeholder="Work Zip / Postal Code *" type="text" value="" /> <span class="field-validation-valid" data-valmsg-for="ZipCode" data-valmsg-replace="true"></span> </div> <input id="SkipZipCodeValidation" name="SkipZipCodeValidation" type="hidden" value="" /> <div class="form-group short left"> <label class="sr-only" for="Industry">Industry *</label> <select class="selectpicker form-control business-services-contact-form" data-val="true" data-val-required="Industry is required" eloquaName="IndustryMarket" id="Industry" name="Industry"><option disabled="disabled" selected="selected">Industry *</option> <option value="Automobiles & Parts">Automobiles & Parts</option> <option value="Collection Agency/Debt Buyer">Collection Agency/Debt Buyer</option> <option value="Cryptocurrency">Cryptocurrency</option> <option value="Education">Education</option> <option value="Financial Services">Financial Services</option> <option value="Food & Beverage">Food & Beverage</option> <option value="Gaming and gambling">Gaming and gambling</option> <option value="Government - Federal">Government - Federal</option> <option value="Government - State/Local">Government - State/Local</option> <option value="Health Care">Healthcare</option> <option value="Insurance">Insurance</option> <option value="Law Enf. & Public safety">Law Enforcement & Public safety</option> <option value="Legal">Legal</option> <option value="Manufacturing">Manufacturing</option> <option value="Media">Media</option> <option value="Mining">Mining</option> <option value="Oil, Gas & Chemicals">Oil, Gas & Chemicals</option> <option value="Professional Services">Professional Services</option> <option value="Real Estate">Real Estate</option> <option value="Receivables Management">Receivables Management</option> <option value="Retail">Retail</option> <option value="Security & Private Inv.">Security & Private Investigation</option> <option value="Technology">Technology</option> <option value="Telecommunications">Telecommunications</option> <option value="Travel & Leisure">Travel & Leisure</option> <option value="Utilities">Utilities</option> <option value="Other">Other</option> </select> <span class="field-validation-valid" data-valmsg-for="Industry" data-valmsg-replace="true"></span> </div> <div class="form-group short right area-of-interests "> <label class="sr-only" for="AreaOfInterest">Solution of Interest *</label> <select class="selectpicker form-control" data-val="true" data-val-required="Solution of Interest Is required" eloquaName="featureInterestUpdated" id="AreaOfInterest" name="AreaOfInterest"><option disabled="disabled" selected="selected">Solution of Interest *</option> <option value="Collections and Recovery">Collections and Recovery</option> <option value="Credit Risk Assessment">Credit Risk Assessment</option> <option value="Financial Crime Compliance">Financial Crime Compliance</option> <option value="Fraud and Identity Management">Fraud and Identity Management</option> <option value="Payments Efficiency">Payments Efficiency</option> </select> <span class="field-validation-valid" data-valmsg-for="AreaOfInterest" data-valmsg-replace="true"></span> </div> <div class="form-group long"> <label class="sr-only" for="HowCanWeHelpYou">How Can We Help You</label> <textarea class="form-control" cols="20" eloquaName="formComments" id="HowCanWeHelpYou" maxlength="2000" name="HowCanWeHelpYou" placeholder="How Can We Help You" rows="2"> </textarea> <span class="field-validation-valid" data-valmsg-for="HowCanWeHelpYou" data-valmsg-replace="true"></span> </div> <input id="ElqSiteId" name="ElqSiteId" type="hidden" value="903" /><input eloquaName="pageReferrer" id="PageReferrer" name="PageReferrer" type="hidden" value="" /><input 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eloquaName="dynamicAttribution" id="DynamicAttribution" name="DynamicAttribution" type="hidden" value="True" /><input eloquaName="miscellaneous" id="Miscellaneous" name="Miscellaneous" type="hidden" value="" /><input eloquaName="createdDate1" id="CreatedDateOne" name="CreatedDateOne" type="hidden" value="" /><input eloquaName="CRMLeadSource1" id="CRMLeadSourceOne" name="CRMLeadSourceOne" type="hidden" value="Website" /><input eloquaName="leadSourceDetail1" id="LeadSourceDetailOne" name="LeadSourceDetailOne" type="hidden" value="" /><input eloquaName="language1" id="Language" name="Language" type="hidden" value="English" /><input eloquaName="productOfInterest" id="ProductOfInterest" name="ProductOfInterest" type="hidden" value="" /><input eloquaName="requestType" id="RequestType" name="RequestType" type="hidden" value="Requested More Info" /> <input eloquaname="OptanonActiveGroups" id="OptanonActiveGroups" name="OptanonActiveGroups" type="hidden" value=""> <input type="hidden" 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