Risk Management & Fraud Detection

MAP offers a variety of flexible risk management services to help your credit union reduce losses and lower administrative expense associated with managing fraud. Our comprehensive risk management services range from suspect activity reporting to advanced neural network fraud detection support.

We work closely with you to identify your risk management needs and then provides tools and controls to actively manage payment system risk. You may take advantage of any or all of the options available and, as your risk management needs change, easily adjust program parameters.

Your single-point connection to MAP and Visa helps you make informed authorization decisions to manage risk, while also achieving your member service objectives.

Benefits of Risk Management & Fraud Detection Services

Protect your card programs with comprehensive fraud management coverage. Visa tailors services to your financial institution’s needs, risk characteristics, and goals. By combining processing scale, advanced technology, and years of risk management experience, we can provide you with a complete fraud management program at an affordable cost.

Reduce fraud losses. Visa employs advanced fraud detection tools—including FalconTM Fraud Manager,2 Visa Advanced Authorization, and Flash Fraud Rules—to protect your Visa card programs from intrusion by unauthorized users and to combat flash fraud.

Improve authorization decisions. Information supplied by Visa Advanced Authorization and other authorization parameters enhances your authorization decision-making process, bringing security and increased confidence to each Visa payment card authorization.

Protect cardholders with world-class customer service. You can depend on Visa Cardholder Support Services (CSS) for full-function fraud call center services including monitoring, rules management, confirmation calls, high score/non-contact block options, and 24/7 voice response unit (VRU) access for cardholders to block/unblock and activate their cards.

Reduce costs and minimize resource requirements. When you choose CSS for fraud call center support, all equipment, systems, and personnel reside at Visa, reducing your costs and minimizing the resources required for full-function fraud detection protection.


Falcon Fraud ManagerVisa security incorporates FICO's Falcon Fraud Manager, a neural network platform that utilizes sophisticated fraud risk scoring to capture relationships and patterns often missed by traditional fraud detection methods. This advanced system allows you to design customized anti-fraud strategies to successfully detect and avoid fraudulent activity.
Falcon Managed Real-Time DecisioningOur full-service call center clients can further protect their card programs with Falcon Managed Real-Time Decisioning, a series of real-time decline rules developed by Visa DPS fraud experts based on actual performance and customizable for your credit union.
Risk Services ManagerRisk Services Manager is an easy-to-use web-based application that allows issuers to independently develop and manage targeted fraud rules that can be used to augment broader Falcon fraud strategies. Risk Services Manager includes rule development, testing against historical data and publication to production.
Advanced AuthorizationVisa Advanced Authorization is the first risk management system of its kind to capture real-time risk evaluations from patent-pending Visa fraud detection systems and transmit this critical risk information to Issuers in-flight within the VisaNet authorization message. Visa Advanced Authorization evaluates 100 percent of U.S.-issued authorizations, and delivers two types of risk information for every Visa authorization: Risk Score and Compromised Account Risk Condition Codes.
Verified by VisaVerified by Visa gives consumers additional confidence when using their Visa cards to make purchases online, removing a major barrier to increased Web commerce. Verified by Visa ads an extra layer of security with a special password to confirm the identity of cardholders during online transactions.
VIP Travel MonitorDesignate individual cardholders for special transaction processing and manual fraud case review, providing traveling and VIP cardholders with a higher level of service.