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Digital Account Opening Fraud on Dem...

Pagano, Amanda.

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Digital Account Opening Fraud on Demand Deposit Accounts: An Assessment of Available Technology.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Digital Account Opening Fraud on Demand Deposit Accounts: An Assessment of Available Technology./
Author:	Pagano, Amanda.
Published:	Ann Arbor : ProQuest Dissertations & Theses, : 2020,
Description:	44 p.
Notes:	Source: Masters Abstracts International, Volume: 81-11.
Contained By:	Masters Abstracts International81-11.
Subject:	Banking. -
Online resource:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=27832883
ISBN:	9798643179153

Digital Account Opening Fraud on Demand Deposit Accounts: An Assessment of Available Technology.
Pagano, Amanda.

Digital Account Opening Fraud on Demand Deposit Accounts: An Assessment of Available Technology. - Ann Arbor : ProQuest Dissertations & Theses, 2020 - 44 p.

Source: Masters Abstracts International, Volume: 81-11.

Thesis (M.S.)--Utica College, 2020.

This item must not be sold to any third party vendors.

Digital account opening is an expanding self-service technology that allows financial institutions to offer demand deposit accounts (DDA) to consumers virtually. The appeal of reaching an unlimited audience has enticed many financial institutions into offering this convenient feature, as is apparent in the increase of offerings over the past decade. As this platform evolves, so do the avenues utilized by fraudsters to defraud banks, causing potentially detrimental monetary and reputational losses. The purpose of this project is to examine the necessity to implement and utilize evolving technology as a detection tool to manage and mitigate fraud, stressing this necessity as fraud continues to grow, and manual intervention alone becomes increasingly cost prohibitive. It analyzes the current technology available, including details of device recognition and reputation, consortium databases, knowledge-based authentication (KBA), social network and email age analysis, MD5 hash value verification, and behavioral biometrics. It reviews additional actionable solutions to mitigate threats: access controls, training, penetration testing, and risk assessments. The ability to maintain a significant technological presence surrounding risk mitigation in the ever-expanding world of digital account opening requires a business's willingness to adopt these changes and to integrate detection tools into the process and development of working procedures. This project provides recommendations on a proposed technology solution that encompasses many of the siloed approaches reviewed, demonstrating the strengths of each tool. The goal is to offer a technology solution reliable and effective enough to reduce risk exposure while maintaining a low rate of false positives requiring additional manual review.Keywords: Financial Crime and Compliance Management, Rich Kelly, account opening fraud, digital, online, technology, friction.

ISBN: 9798643179153Subjects--Topical Terms:

1557594
Banking.
Subjects--Index Terms:

Account opening fraud

Digital Account Opening Fraud on Demand Deposit Accounts: An Assessment of Available Technology.
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