Education

The CNP Expo is the only conference of its kind, dedicated to the intersection of security, e-commerce, software, mobile, retail and payments.

Our goal this year is to provide practical tips & tricks to help our attendees do their jobs better. We will have 50+ hours of education with a mixture of panels, merchant case studies, and industry expert keynotes providing you and your team different perspectives & knowledge around each of the core topics. We strive to have each attendee leaving our event ready to become the superhero in their organization.

Download the CNP Expo Attendee Toolkit (PDF) here

Here is a sneak peek into our topic areas…

Improving Sales

Many other departments view the fraud and payments departments as “sales prevention.” Learn how you can increase sales in both departments, including practical tips and strategies from merchants who have changed the perception of their fraud and payments department from “sales killers” to “sales optimizers”.

Increasing Authorizations in Single-Charge Billing Models

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Increasing Authorizations in Single-Charge Billing Models

In a card-not-present environment, sales may be declining for reasons within a merchant’s control. In this session, you will learn:

  • The various reasons banks decline CNP transactions
  • Process changes and system improvements proven to reduce declines in CNP channels
  • Process changes and system improvements proven to reduce declines in CNP channels
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Optimizing Conversion Rates Through Payment Strategies

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Optimizing Conversion Rates Through Payment Strategies

Shopping cart abandonment can occur for a variety of reasons. Some are dependent on the payment acceptance options and/or overall process. In this session, our panelists will discuss:

  • Best practices for optimizing online and mobile checkout
  • The importance of payment options specific to your target market
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Optimizing Recurring Billing Transactions

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Optimizing Recurring Billing Transactions

Subscription-based business models offer consistent, recurring revenue when transactions authorize. However, there are a myriad of reasons for churn in this model. In this session, our experts will discuss:

  • The importance of a payments management process to retry and recycle some transactions, while knowing which transactions not to retry
  • Effective dunning strategies that result in a customer updating a credit card when necessary
  • Cost effective ways to utilize account updater programs
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Increasing Revenue by Reducing Declines

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Increasing Revenue by Reducing Declines

Unlike credit card transactions in a card present environment, there are actions CNP merchants can take to reduce their declines from issuing banks, creating a perfect opportunity to increase sales. In this session, experts will share:

  • How to interpret payments reporting to create an action with track able results
  • Strategies merchants have deployed to greatly reduce declines through learning why cards are declining and making changes
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Working Together

One of the biggest challenges discussed by merchants in the last year has been learning how to both advocate and collaborate with cross-functional departments within their organization. In the following three sessions, our speakers will share success stories and tips and tricks to demonstrate the value of your department, and ways to offer training to other departments to help lead to working together and collaboration in the future.

Working With Customer Service

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Working Customer Service

The Customer Service department is the first line of both defense and offense with customers and fraudsters alike. Developing a close relationship with them has a multitude of benefits for both the fraud and CS departments alike.

  • Learn how other companies have developed educational partnerships to inform customer Service representatives of information helpful to the fraud department and processes to share this information in streamlined ways
  • Learn how other companies have trained customer service representatives to recognize social engineering methods and how to prevent becoming the weakest link in the company chain
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Demonstrating Success to Marketing & Executive Teams

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Demonstrating Success to Marketing & Executive Teams

Demonstrating the value of a fraud or payments team to internal cross-functional teams & leadership can be challenging, but is an important task to ensure inclusion in business decisions such as new marketing strategies, new business models and product offerings. Learn from experts how they have developed successful working relationships & communicated the responsibilities of their team to become allies with both marketing & executives.

  • Learn how other companies have demonstrated their value to their marketing & executive teams through brown bag lunches, static PowerPoint presentations and presenting specific reporting
  • How changing your initial instincts of “no” to a “yes” when invited to meetings can strengthen trust between departments
  • Learn what both groups care about most and how to gain their trust that the fraud team is canceling the transactions that would result in more losses and not those sales that contribute to the bottom line
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Selecting the Right Vendor for Your Company

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Selecting the Right Vendor for Your Company

There are more solutions for both payments and fraud than ever before. But how can you determine the right type of solution for your business? And within the product/service offering, which company will be the best fit for your business? Our panel will discuss:

  • How they found the right combination of products for their business and the tough questions they had to ask to find the right strategic partners
  • What questions to ask and how to track the different answers to narrow the options, as well as including representatives from cross-functional departments to get the right input throughout the process
  • How to do determine when it’s necessary to layer solutions versus utilizing a single solution
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Benefits of Working with Law Enforcement

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Benefits of Working with Law Enforcement

Many companies weigh the pros and cons of working with law enforcement to prosecute prolific fraudsters. Is investigating cases—and even getting convictions—worth it when financial gain is difficult to quantify? Our panel of merchants and law enforcement officials will discuss:

  • Some “wins” companies have experienced after working with law enforcement to successfully prosecute fraudsters
  • How to get buy-in from executives on creating partnerships with law enforcement agencies
  • How companies have created investigation processes to hand off to law enforcement, what agencies to call, what can be considered a loss in online fraud and what information agencies need to consider prosecution
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Career/personal development in Fraud & Payments

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Career/personal development in Fraud & Payments

Almost everyone in the payments & fraud industry happened upon this career field by accident. Some are rapidly promoted within their company, while others choose to move up through changing companies. One true fact remains, there is no one clear path to personal and career advancement. It can be similar to a “choose your own adventure” book. In this session, our panelists will share:

  • Their own experiences and advice for advancing their career path and knowledge base
  • Suggestions for selecting the right “next step” based on your own career goals
  • How to succeed within your current work environment, through demonstrating personal value and leadership
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When Marketing Meets Payments: What to consider when your marketing department suggests adding a new payment method

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When Marketing Meets Payments: What to consider when your marketing department suggests adding a new payment method

As new alternative payment methods become available, more companies are seeing these as marketing opportunities for various reasons. It may be in the form of publicity like OverStock.com received when they started accepting BitCoin before most other companies, in the form of new customers loyal to the payment particular wallet or in the form of a large check from the company in order to build the number of companies accepting their form of payment. In this session, our panelists will share:

  • Things to consider when asked to add new payment methods of acceptance to determine an ROI, such as: how to know it will be adopted by your customer base, technical and accounting requirements and considerations, fraud prevention differences and pricing methods
  • How other merchants have worked with other departments with different interests and motivations to evaluate the benefits and challenges of new payment methods to come to a collaborative agreement as a company
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Fraud Team Essentials

Building a Fraud Team

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Building a Fraud Team

Whether your company has an existing fraud department or if you’ve been tasked to build one, most people are “re-inventing the wheel” when establishing this important team. Learn from veterans in fraud prevention that have done this already to learn how to build a foundation for a long lasting department.

  • How to demonstrate ROI to convince leadership to devote resources to properly reduce fraud losses
  • Determine the human and system resources needed to have a layered fraud defense
  • Creating the right titles and roles, salary ranges and job descriptions that will lead to hiring and training the right type of people to become strong assets to the company
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Managing & Measuring a Fraud Team

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Managing & Measuring a Fraud Team

Presenter: Jonathan Baker, Senior Manager, Multichannel Investigations – GameStop

Because CNP fraud teams haven't been around for long, establishing a fully functioning fraud team with reliable performance metrics, coaching practices and common goals is typically started from scratch at each company. Hear how Baker has encouraged his small team to take on more projects and tasks efficiently, be a resource to cross-functional teams and greatly reduce fraud rates and false positives. In this session he will explore how to accomplish these things without adding more resources by:

  • Hiring the right team members
  • Setting clear goals and priorities for the team
  • Tracking and measuring performance metrics in a creative way that inspires accuracy and accountability
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Fighting Fraud with Duct Tape and Bailing Wire

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Fighting Fraud with Duct Tape and Bailing Wire

Fraud departments often receive a minimal budgets to do a very difficult job. Learn creative ways other merchants have met the expectations of their business with minimal resources as they share:

  • Free resources and creative ways to use them to validate identities and reduce time spent in the manual review process
  • Tips and tricks to reduce spending on multiple tools and streamline internal processes to reduce losses due to fraud
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Affirmative Response: Practical Tips for Responding to Chargebacks

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Affirmative Response: Practical Tips for Responding to Chargebacks

For merchants who haven’t had a lot of success responding to chargebacks, it’s tempting to throw up your hands and accept the loss. But there are ways to maximize your odds of winning. Hear a panel of experts as they look at:

  • What chargebacks should you respond to?
  • How “compelling evidence” can tilt the field in your favor
  • Proven tactics to win chargebacks
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Identifying and Preventing False Positives

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Identifying and Preventing False Positives

There is a surefire way to reduce your fraud to zero: don’t take any orders. Finding the right balance between fraud prevention that is too rigorous and too permissive is difficult. Merchants are increasingly worried about the former. Are your fraud prevention efforts resulting in turning away too many legitimate customers—perhaps forever? Our experts discuss:

  • Metrics you can use to measure your false-positive rate
  • How to determine the reason you cancelled an order unnecessarily
  • Strategies that reduce false positives and bolster your revenue
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Fraud Trends and Strategies

The way bad actors attack your business is evolving. While many tried and true fraud prevention tactics still work, new ways of looking at problems are required to address others. Find out, in these sessions, what vulnerabilities are the same, what has changed and what you can do about it.

Identifying and Preventing ATOs and New Account Creation Fraud

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Identifying and Preventing ATOs and New Account Creation Fraud

Due to the change in information being accessed through recent data breaches, account takeover and account creations are the two fastest growing types of fraud in CNP commerce. They’re also two off the most difficult fraud schemes to identify because they mimic behavior that occurs with legitimate customers. In this session, our expert panelists will discuss:

  • Current tactics and issues merchants are facing with these two different fraud tactics
  • Methods to combine internal processes with external tools to detect and prevent ATO and account creation fraud
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Protect Your Mobile Revenue: Assessing Fraud Risks for Mobile CNP Payments

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Protect Your Mobile Revenue: Assessing Fraud Risks for Mobile CNP Payments

Presenters:Susan Pandy, Ph.D., Director, Payment Strategies, Federal Reserve Bank of Boston
Kevin Goddard, Senior Product Manager, Payment Acceptance & Experience, Amazon
Marie Jordan, Director, Global Industry Advisors, Enterprise Business Compliance, TSYS

Several significant developments in 2016 have shaped the payments environment: EMV chip card migration, increased mobile wallet adoption, and increasing e-commerce and m-commerce transaction volume growth. With these developments come growing concerns about payments fraud across all channels and the rising burden of managing the fraud to the industry. This panel will:

  • Discuss the state of CNP fraud – both e-commerce and m-commerce
  • Review fraud vulnerabilities and risks in m-commerce use cases
  • Help businesses understand what technologies and mitigation strategies are available to secure these transactions.

Panelists will share information based on a mobile CNP fraud risk analysis conducted by a subgroup of the Mobile Payments Industry Workgroup led by the Federal Reserve Banks of Boston and Atlanta. The audience will benefit from an enhanced understanding of the similarities and differences between risk in the e-commerce versus m-commerce channels and what security controls and tools are best suited for the mobile channel.

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Reducing Manual Reviews

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Reducing Manual Reviews

While manual reviews are an important part of fraud prevention, the cost of employing large teams of analysts in addition to the impact on good customers including a greater risk of false positives (proven by multiple recent studies) has caused several companies to create initiatives to greatly reduce and even eliminate this time and cost consuming process.

  • How to utilize big data and reporting to reduce the need for manual reviews
  • How to layer different types of fraud systems to filter orders through an automated workflow
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Friendly? I Don’t Think So

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Friendly? I Don’t Think So

Whether it’s consumers gaming the system or unclear billing descriptors, friendly fraud is costing e- and m-commerce merchants billions. When the chargebacks hit because of this growing problem, what can merchants do to protect their revenue? This session will examine:

  • How to identify if a chargeback is the result of friendly fraud
  • The surprising benefits of responding to friendly fraud chargebacks
  • Tips that will maximize the likelihood of winning a friendly fraud chargeback
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Preventing Fraud Without Payment Card Data, Public Records or With Strict Privacy Laws

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Preventing Fraud Without Payment Card Data, Public Records or With Strict Privacy Laws

For companies based in countries that have reliable public information databases and traditional payment methods, it can be difficult to know how to adapt to orders from countries that do not have these resources, standard payment methods or have strict privacy laws, greatly limiting the ability to validate identities. In this session, our panelists will discuss:

  • How companies are able to minimize fraud exposure when payment data that is typically relied on (such as AVS, CVV and 3DSecure) are not available with alternative payment methods
  • How to adhere to data privacy laws in countries in Europe and other regions while still validating identities and mitigating risk
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CNP Payment Trends and Strategies

Implementing CNP payment solutions that increase authorizations and conversion in the current environment requires global focus and keeping an eye on new trends in technology. These sessions will examine important trends in CNP payments and practical advice that will result in more revenue for your business.

Reducing Payment Processing Costs

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Reducing Payment Processing Costs

Payment processing fees are one of only a handful of bank fees that are not heavily regulated. Meaning, they can vary quite a bit, depending on the bank or processor, the merchant’s volume, level of Risk the merchant provides and a myriad of other factors. Additionally, while interchange that is assessed by the issuer/card brands and cannot be negotiated, it can be optimized in several ways. In this panel you will learn:

  • How to ensure you’re receiving a fair rate from your payment processing partner
  • How to understand your merchant statement and strategies to reduce interchange assessment rates
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Challenges Implementing Mobile Payments

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Challenges Implementing Mobile Payments

Consumers increasingly are turning to their mobile devices to make purchases. Meeting your customers where and when they demand is more challenging than ever. Our expert panel will guide you through some of the biggest hurdles preventing you from meeting that demand by examining:

  • How to effectively secure in-app and browser-based mobile payments
  • How the right system can affect conversion
  • Offerings that customers will actually use
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Evaluating ACH as a Payment Method

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Evaluating ACH as a Payment Method

With banks moving to enable same-day ACH, more CNP merchants than ever are considering accepting ACH as a payments method for online and mobile transactions. With the flat processing fee and less reason code options for reversals, this is a very attractive option and could potentially provide a great amount of cost-savings. But what else should a merchant know before adding ACH as a payment method? In this session, our experts will discuss:

  • The checklist of items you should consider, including system changes necessary and if ACH will be popular for your customer base and business model
  • Pros and Cons of accepting ACH, including fraud prevention timelines, responding to reversal disputes and suggestions for the management and reporting of fund transfers
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Cross-Border E-Commerce in Established Markets

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Cross-Border E-Commerce in Established Markets

The promise of e-commerce has always been a world without borders. The reality, however, is that borders exist and selling your goods and services into another market can be complex—no matter where you choose to sell. Some merchants want the extra sales cross-border promises in markets where competition may be higher, but the consumer base is comfortable with e-commerce. Our panel of experts examines:

  • The importance of localization, even in established markets that seem familiar
  • How taxes, cross-border fees and local regulations can impact an international launch
  • How working with the right partners can make cross-border a success
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PINless Debit in a CNP World

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PINless Debit in a CNP World

PINless debit in CNP channels is becoming more widespread as the limitations of verticals this is available for has been changing. This capability has the potential to significantly reduce payment acceptance costs and greatly limit chargeback potential. However, there are challenges and guidelines that need to be understood before making this change. Learn from experts:

  • Which verticals and business models are the best candidates for processing debit cards on a network outside Visa and MasterCard
  • Technical and accounting specifications, fraud risks and all other aspects that should be considered prior to changing the method in which debit cards are processed
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The Road Ahead

CNP payments and fraud are evolving at a staggering pace. The strategies that worked yesterday are not effective today. The measures that protected you yesterday leave you exposed today. These sessions examine the upheaval our industry is undergoing and how you might respond to position your business for success in the future.

How to Succeed Selling Cross-Border in Emerging Markets

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How to Succeed Selling Cross-Border in Emerging Markets

The promise of e-commerce has always been a world without borders. The reality, however, is that borders exist and selling your goods and services into another market can be complex—no matter where you choose to sell. For merchants that want to tap the explosive growth potential of emerging markets and perhaps beat their competition into a green field, challenges and opportunities exist aplenty. Our panel of experts examines:

  • Why you must consider culture and language as closely local payment methods and currency
  • The fraud and security concerns specific to emerging markets
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Intro to Using Machine Learning to Detect Fraud

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Intro to Using Machine Learning to Detect Fraud

While technology to identify fraud and risky behavior continues to grow & adapt, our understanding of how a new method of fighting fraud may not adapt as quickly. This session is in response to several merchant requests to understand how machine learning can be and is being used to detect risky behaviors in a unique way. Our expert panelists will provide:

  • A thorough overview of how machine learning & big data work together to identify risky behaviors in a different way than traditional linear fraud rules systems
  • How merchants are implementing machine learning in to their fraud systems, both as a standalone tool or in addition to a traditional rules engine
  • A time for questions to ask an expert anything you’ve wanted to learn about machine learning, big data and fraud prevention
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Behavioral vs. Physical Biometrics

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Behavioral vs. Physical Biometrics

Use of biometrics as an authentication & verification tool has become increasingly popular with large enterprise companies and with banks in various ways. It’s important to understand the difference between the two types of biometric verification tools, including their best uses and what to consider when thinking about implementing one or both of these forms of biometric validation. In this session, expert panelists will explain:

  • Notable differences, similarities and use cases for both physical and behavioral biometrics.
  • Key advances and use examples for both of these solutions
  • Merchant testimony of how using biometrics has improved the process of identifying fraudulent behavior as well as improved customer satisfaction for legitimate customers
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Why Authentication is Important

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Why Authentication is Important

Oceans of stolen information readily available to fraudsters makes it increasingly likely that the person logging into an online account—be it with a retailer, insurance company, bank or health care provider, among many examples—is not the true owner of that account. And once they have access, it is exceedingly difficult to spot bad actors before major damage is done. Our panel of experts examines:

  • Various methods of user authentication and the benefits of each
  • How authentication can positively affect manual reviews and false positives
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Policy Review: How are Governments Affecting CNP Businesses This Year?

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Policy Review: How are Governments Affecting CNP Businesses This Year?

Legal and regulatory insiders discuss how decisions in Washington, Brussels, Beijing and local jurisdictions around the world affect merchants, banks and service providers that support card-not-present transactions.

  • The current CNP challenges and opportunities presented by consumer protection, tax, security, privacy and KYC regulation and legislation
  • Will an unpredictable election in the U.S. change payments policy?
  • Developments in Europe: Brexit, PSD2 and other matters affecting cross-border e-commerce
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PCI and CNP: How to Spell Security

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PCI and CNP: How to Spell Security

If you accept payments through a Website or call center, your business is both a source and a target of stolen personal and payment card data. And, while full PCI compliance does not necessarily mean your network is secure, it’s a good start and non-compliance carries enormous risks. Listen as our experts discuss:

  • What requirements have changed in the last year and if they apply to you
  • What steps you are required to take to ensure compliance with PCI-DSS standards
  • Additional measures every company should consider
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Minimizing Non-Payment Account Abuse

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Minimizing Non-Payment Account Abuse

CNP fraud is often described with a financial impact, such as a payment method used fraudulently. However, account abuse can also have a sizable and monetary impact on a CNP business, and is just as important to identify and prevent even if a chargeback won't be imminent. In this session, our expert panelists will provide best practices and tips & tricks as well as share:

  • Different methods of account abuse merchants are experiencing such as promotional code abuse, non-payment method account takeover, trolling, bullying of minors, content abuse, spam, malware, etc. and how they are identifying, measuring & preventing these methods
  • The impact account abuse can have on all areas of a CNP business such as brand damage, legal exposure, public relations, credibility with customers, security and how to create a proactive strategy to manage account abuse
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