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Mastercard Risk Decisioning platform

Discover the power of trusted, proven, scalable AI

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150b+

Transactions a year

99.99%

Uptime

100-120 ms

Average in the cloud

Introducing Mastercard risk decisioning

Accurate scores delivered faster – at unbeatable scale

Delivering advanced artificial intelligence and machine learning, Mastercard Risk Decisioning is used by leading organizations around the world to fight fraud. Built with skill and governed by strict data standards, our AI has an unsurpassed ability to learn, adapt and scale, helping our customers save millions of dollars every year.

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What makes Mastercard Risk Decisioning different?

Mastercard has decades of experience in developing AI technology to fight financial crime including powering our industry-leading fraud scoring system, Decision Intelligence. Our patented Smart Agents technology enables exceptional personalization, accuracy, adaptability and greater insights across data.

Personalization: Highly personalized functionality provides updated intelligence on any entity, such as a card, account or merchant

Accuracy: Dramatic decrease in false-positive rates and higher detection rates

Segmentation: Identification of customer segments exhibiting low fraud occurrences

360-degree insights: Enablement of cross-channel anomaly detection, prediction and analysis

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With decades of expertise in extracting intelligence from high frequency data, Mastercard has the advantage of using proprietary network intelligence to enhance precision and detection above and beyond our clients’ own datasets.

Fraud and loss data: Gain valuable insights regarding consumer fraud and under-reported chargeback claims.

Network Intelligence: Risk Decisioning uses global fraud insights from proprietary network intelligence, to create superior models.

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Our full-stack, state-of-the-art modeling allows us to create off-the-shelf machine learning solutions that are production-ready today. We also develop custom models in 6-8 weeks using our proprietary suite of data science, machine learning and ensemble technologies.

  • Business and data understanding
  • Data preparation and modeling
  • Evaluation and optimization

The proprietary machine learning includes features engineering, model generation and ensemble tools to build an optimal model across segments.

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The unrivaled performance and scalability of Risk Decisioning allows for easy deployment in the cloud or on-premises. Our industry-leading models are proven while in production and achieve lightning-fast response times with virtually no downtime.

High frequency: Billions of transactions scored per month

Resiliency: Resilient architecture allows for 99.9999% uptime

Cost savings: Models can be deployed in the cloud or on-premises

Lightning fast: Millisecond response times

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Mastercard adheres to our industry-leading data responsibility practice with embedded model governance and product design principles. We are committed to responsible, human-centered data innovation and product design, guided by our AI Governance framework for all customer engagements.

Security and privacy: Best-in-class security and privacy practices

Transparency and control: Clear and simple explanation of decisions through model explainability layers

Accountability: Individuals and their rights are always at the center of data practices

Innovation: Constant data innovation that benefits individuals through better experiences, products and services

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How Risk Decisioning works

Risk Decisioning is a scalable, end-to-end AI solution with accurate scoring which can be complemented with powerful, user-friendly modules, including Rules Management, Case Management and Business Insights. 

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What makes Mastercard Risk Decisioning different?

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Write, test and manage business rules using an intuitive user interface.

Create and edit rules

  • Determine if transactions are suspicious, fraudulent or genuine 
  • Build on any input field or derive element in the system

Profile transactions

  • Define patterns to detect suspicious behavior in real-time 
  • Sort types of profiling: Real-time, long-term, geo-location and more 
  • Define any time window for aggregation

Rule testing

  • Test rules on historical data to simulate performance prior to deploying 
  • Analyze rule performance while in production and before deployment 
  • Assess number of alerts generated by each rule, true positive and false positive

Authentication

  • Authenticate via your existing MC Connect account or via SSO with your identity service provider
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Investigate and evaluate flagged transactions in an intuitive user interface.

Case management and administration

  • Create cases for alerts or dismiss alerts 
  • Investigators can work on cases from start to finish 
  • Assign users, priority, status, tasks to cases 
  • Input resolution results to close cases: Not fraudulent, stolen, counterfeit

Reporting

  • Generate management information reports

Audit and traceability

  • Review all activity in the module

Users, groups and roles

  • Administer and create permission profiles, assign users to groups, create and manage users 
  • Authenticate via your existing MC Connect account or via SSO with your identity service provider
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Business intelligence and customizable reports on the go.

Self-serve analytics 

  • Create customizable reports across any payment/account portfolio 
  • Define key performance indicators

Standardized reporting

  • Use pre-packaged report templates 
  • Create custom or premade report templates for team use 

Actionable intelligence

  • Improve decision-making in real-time 
  • Fine-tune rule performance

Aggregated Metrics

  •  Define level of detail based on role and need 
  • Create views across financial institutions (issuers, processors and gateways)

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Consult our team to learn how Mastercard can enhance your business through our products and services.

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