TNB Card Services' fraud management and security services offer proven results. We know how to help you develop the right strategies protect your card base and your members.
Risk Management

Fraud Management and Security Services

Fraud is a problem that must be addressed consistently and aggressively as the volume of electronic payments continues to grow. TNB Card Services is committed to assisting clients with combating fraud and minimizing losses.  Together with the latest tools and technology, we utilize more than thirty years of fraud and risk management experience to combat this growing problem. 
Our  tools and services combined with our extensive industry expertise minimizes our clients' risk exposure. TNB employs investigators with years of industry experience and contacts who work with local police, federal agencies and task forces focused on fighting fraud.

 The optimal time to manage fraud is before it starts. TNB’s fraud prevention services help deter and detect fraud that helps protect your valuable member relationships:

  • Advanced neural networks such as Falcon® and FRIS that monitor your members' activity real-time, 24 x 7 x 365
  • Card Activation to reduce exposure to mail theft and non receipt fraud
  • Authorization system security controls to detect and decline potential fraud at the point of sale
  • Other features and benefits such as member education, online card security, plastics mail integration and much more.

And if fraud does occur, TNB’s experts will immediately work on your behalf to minimize your exposure:

  • 24 Hour lost -stolen reporting with real-time status update capabilities to stop fraudsters in their tracks
  • Superior fraud investigation and recovery services to ensure maximum protection and recovery

TNB is dedicated to being the industry leader in reducing risk and expenses related to fraud. Fraud patterns are constantly changing as fraudsters are devising new methods of defrauding card issuers so we continue to monitor fraud trends and industry best practices to share with our clients.  Safeguarding credit and debit portfolios is a high priority for everyone in the industry, especially here at TNB Card Services.

SERVICES AND TOOLS
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• Fraud Detection Neural Networks
TNB utilizes the industry’s most advanced fraud detection systems, Falcon® and FRIS.  These 24-hour neural networks examine transaction, cardholder, and merchant data for both credit and debit (signature and PIN) card transactions to ensure fraud controls are enforced around the clock.  
• Fraud Investigation and Recovery Services
TNB provides turn-key investigation services on behalf of its clients.  The moment fraudulent activity is reported, TNB’s expert analysts begin working to ensure maximum protection and fraud recovery for each client.  Once an analyst completes the investigation and recovery process, clients are presented with a simple-to-understand claims package that can be used to file insurance claims.  
• 24 Hour Lost-Stolen Card Reporting
TNB has experienced bi-lingual staff available around the clock to assist members anytime they lose their card or need assistance.  The staff will take immediate actions when cards are reported lost or stolen to minimize fraud risk.  In addition, card replacement can be automated to lessen member inconvenience.
• Card Activation
Card activation is a simple, efficient way of reducing mail theft by blocking the use of a plastic until the recipient confirms receipt of the card. 
• Plastics Mail Integration
TNB’s risk management approach begins prior to cards being mailed. Cards are produced under the strictest standards at our plastics production facility and are then co-mingled with other outgoing mail to lessen the chances of large numbers of cards being stolen.
• Online Card Security
E-Commerce Authentication programs for both MasterCard® and Visa® are available through TNB. MasterCard SecureCode™ and Verified By Visa™ allow cardholders to create unique passwords to help ensure safe internet shopping.
• Issuers’ Clearing House
TNB supports Issuers’ Clearing House, a national data-base that can verify application or change of address information and includes known fraudulent information.
• Address Change Validation
To target account takeover fraud and identity theft, TNB notifies cardholders when an address change is requested.
• Authorization System Security Controls
Many security checks and safeguards are built into the authorization process. When a request for authorization is presented, numerous verifications occur including:
  • Card Verification Values –Deters counterfeit and card-not-present fraud at the point of sale
  • Address Verification Service (AVS) – reduces fraudulent mail and telephone order transactions by verifying the cardholder’s billing address before completing the transaction.
  • Name Mismatch – verifies the cardholder’s name on Track 1 against the name on the account record during the authorization and decision process.
  • Card Expiration Mismatch – reduces fraudulent point-of-sale, mail and telephone-order transactions by verifying the cardholder’s expiration date on file against the authorization request.
  • Blocked Country Code Review (OFAC) -  reviews all authorization attempts, declines, and transaction postings daily for any activity originating from current OFAC sanctioned countries.
  • Daily Limits – controls the number of times a card can be used within a 24-hour time frame for cash, retail purchases or overall total transactions.
• Member Selected PIN
TNB’s Member Selected PIN option offers members the opportunity to choose their own PIN quickly and simply lessening chances that a PIN is compromised.
• Account Compromise Support
TNB’s Security Alert Information System delivers compromised account information fast. Additional compromise support including reissuance of accounts, plastics mailing and member notifications can be customized to fit a specific clients' needs.
• Internal Fraud Monitoring Controls
Internal monitoring is imperative to minimize the potential for internal fraud.  Clients have access to report information allowing them to monitor all changes made to accounts.  In addition, clients can utilize Footprints® online fraud-tracking service to request specific internal activity reports.
• Member & Employee Education
Helping to educate members and your employees on fraud is a priority at TNB Card Services.  Statement inserts and messages are automatically sent to all cardholders periodically.  In addition, TNB has a wide variety of resources available to assist credit unions in their education efforts. TNB clients can choose from a wide variety of educational materials and tools available in our Education Warehouse to help educate members on fraud and identity theft.  Free cut-and-paste newsletter articles to use in member publications such as a newsletter are also available. Subjects range from phishing and identity theft to Internet safety and PIN security. 
• Fraud Webinars
Employees can learn and ask questions about fraud without leaving their desks. TNB offers webinars annually on the latest fraud trends to keep employees updated and aware of current issues. 
• Security Center
Your employees can also take advantage of TNB’s Security Center section of the Client Center on our website where information about red flags, current fraud issues, and more is maintained. Employees can read about the latest information on account compromises and review recommended actions, and utilize staff Q&A’s to answer member questions about account compromises and identity theft.