DATA SHEET

Outseer Fraud
Manager™
Protect every step of yourcustomer's digital journey

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Outseer Fraud Manager™

Helping You Protect Every Step of theCustomer Digital Journey

At a Glance

The dramatic increase in consumer adoption of digitalinteractions and transactions during the pandemic has
prompted organizations everywhere to accelerate their digitaltransformation efforts. Whether it’s web, mobile, ATMs, callcenters, IVR systems, or open APIs, speed and convenience are
now simply expected.

• 15 Billion+ transactions anddigital interactions protecteda year
• Protects the user's digitaljourney at every step, in
multiple channels: Web,mobile, Phone, IVR, ATM,Branch and Open Banking(API)

At the same time, fraud continues to proliferate, withcybercriminals leveraging phishing, account takeover, man-in-the-browser, APP scams and other advanced attacks to gain
unauthorized access to customer accounts.
The significant rise and reach of data breaches has also exposed
mass sets of data and customer credentials that are then used
for account takeover. A new data breach is announced weekly.
In fact, there were 4,145 publicly disclosed breaches that
exposed over 22 billion records in 20211.

• Outseer Intelligent Platform™
helps orchestrate all yourfraud prevention efforts
effectively

Outseer Intelligent Platform™ which underlies Outseer Fraud
Manager provides comprehensive fraud protection across thedigital journey, streamline fraud operations and lower fraud
losses all while maintaining seamless user experience which inturn drives increased revenue and profitable growth.

• Highest reported fraud
detection with lowest
intervention rates in theindustry• Flexible deployment options:on premise or CloudAt the core of the platform is the Outseer Risk Engine™, built forprecision detection, utilizing the most effective signals to detectand prevent fraudulent activity. Our predictive algorithms work inreal-time to analyze hundreds of signals coming from theOutseer Global Data Network™, our Partners, and ourCustomers.

Outseer Intelligent Platform

Outseer Fraud Manager™ - Data sheet

2How It Works
Outseer Fraud Manager is powered by the Outseer Risk Engine™ that accurately assesses the risk associated witheach transaction and digital interaction during the user digital journey. By applying risk-based approach, only small
number of activities or transactions are asked for additional authentication that can be done using the out of thebox step up authentication options or by leveraging the organization authentication tools. Outseer Fraud Manager
orchestration capabilities allows organizations to share third party signals with Outseer Risk Engine to get an
integrated risk score.

Outseer Fraud Manager™ Workflow
Risk Indicators
Behavior │ Device │ Global Data Network │ Third party Signals

Enrollment,
Login,
Payment,
Add/Edit
payee,
Add/ Editcredentials

PolicyManagement

Risk EngineTM!
Feedback

Feedback

AuthenticateContinue

Step-upAuthentication

CaseManagement

Outseer Risk Engine™

Outseer Global Data Network™

The Outseer Risk Engine, which is at the core of theOutseer Intelligent Platform,™ is built for precision
detection. The Outseer Risk Engine analyzes hundredsof signals coming from the Outseer Global Data
Network™, our Partners and our Customers, and uses
predictive algorithms to detect and prevent fraud inreal-time. It uses an advanced machine learning
statistical approach to calculating the risk score. Thisapproach looks at the conditional probability of each
event to evaluate if its most likely genuine or
fraudulent given the known facts or predictors. Allavailable factors are taken into consideration but
weighted according to relevance; the most predictive
factors contribute more heavily to the score. The
predictive weighting calculations are updated daily
based on authentication results and casemanagement feedback.

Outseer Fraud Manager uniquely benefits from data
signals contributed by the Outseer Global Data
Network – a globally shared, fraud intelligence
consortium that gathers data from transactions
spanning thousands of companies in numerous
industries around the world. When a member of thenetwork marks an activity as “Confirmed Fraud” /“Confirmed Genuine” in the case management
application the associated signals are shared acrossthe network. When an activity is attempted andincludes one of the signals from the Outseer Global
Data Network the risk is automatically adjusted,
delivering smarter risk decisions.

Behavioral Profiling
Our behavioral profiling compares current activity withestablished customer behavior to detect deviations
from normal that may be indicative of fraud. Multiple
parameters are examined including frequency, timeof day, and type of activity. For example: Are thesepayment types and associated transaction attributes
consistent with typical transactions for this user?

Outseer Fraud Manager™ - Data sheet

Device Profiling
Outseer’s device profiling capabilities allow you to assess
whether a customer’s device is different than one usuallyused to do business with your organization, or whether it has
been connected to known fraud. Parameters analyzed
include IP address and geolocation, operating system,browser type, and other device settings. In many cases,
account takeover attacks are conducted from fraudstersdevices with the genuine user credentials hence accurate
device identification and profiling of known devices for auser is key to mitigate account takeover. Outseer device
profiling and device identification capabilities use
unsupervised machine learning algorithm to calculate an
accurate assurance level that reflects the probability theuser used the device in the past.
3

Orchestrating Your Fraud Prevention Efforts
The Outseer Intelligent Platform which underlies Outseer Fraud Manager, is designed to help organizations
orchestrate fraud prevention efforts, centralize fraud management, maximize investment in different
fraud prevention tools and drive higher performing fraud detection. The pace, complexity and variety offraud schemes require a solution that can enable a rapid response, bringing the right capabilities andintelligence to the right place at the right time. Outseer Fraud Manager does precisely that.

Outseer Orchestration Capabilities

Outseer Global
Data Network™

Key Capabilities

ENROLL•

Secure all phases of thedigital journey•

Data Linking•

Granular Policy Management•

Integrated Risk-Scoring•

Third-Party Integrations

AUTHENTICATEPartner
Data Signals

Risk EngineTMTRANSACT

Customer
Data Signals

Secure all phases ofthe digital journey

Data Linking

MANAGE

Outseer Fraud Manager enables the definition of different flows andinstructions needed to address each step of the user journey, such as:
Enroll, Authenticate, Transact and Manage. For example, you may
allow a high-risk login, but then require the user to re-authenticate fora high-risk money transfer.
Outseer Fraud Manager helps link the data of the user from one
step of the journey to the next.

Granular Policy
Management

Flexibly define policies to match your risk appetite. Event level policies
can be defined to trigger different actions for different scenarios.

Integrated
Risk-Scoring

The Outseer Risk Engine combines intelligence from the Outseer Global
Data Network and third-party signals that can influence risk assessmentand enhance the accuracy of the risk score.

Third-Party
Integrations

Outseer Fraud Manager enables the flexibility to respond to newthreats, easily adding new signals from our Partner Ecosystem. Theseinclude integrations into the Outseer Risk Engine, the Policy
Management application. In addition, partners and third-party
step-up authentication options can easily be integrated.

Outseer Fraud Manager™ - Data sheet

4Outseer Policy Management
The Outseer policy engine translates data signals and risk intelligence into action. Using our finegrained policy controls, you can set different outcomes to different thresholds based on your risk
tolerance and your business objectives based upon the data signals and risk score.
The web-based Outseer Fraud Manager Policy Management application allows you to set
event-level policy, for example: policies that will only trigger at a payment step, or a policy thatwill trigger at login or when a user is managing their account settings.
No coding is required to define a policy, you simply click and select the elements you want toconsider as part of the policy logic.

Outseer Case Management
Our case management application enables you to track the activities that trigger policy andconfirm if they are fraudulent. You can also use the web-based application to research activities
and analyze fraud patterns, for instance when revising or developing new policies.
When cases are confirmed to be fraudulent feedback is instantly provided to the Outseer RiskEngine, helping to enhance the accuracy of risk decisions even further. An API is also available
allowing to consume third party cases data.

Protection for Mobile Users
Outseer Fraud Manager enables a secure and frictionless mobile experience by leveraging
Outseer Fraud Manager Mobile SDK. This SDK integrates with your mobile application, collects
mobile device identifiers for risk assessment, and invokes Biometrics and OTP Push notifications as
step-up authentication for flagged transactions.

Step-up Authentication
An additional layer of step-up authentication may be
employed to further validate one’s identity in high-risk
scenarios or scenarios that violate your organization policies.
Outseer Fraud Manager supports a wide range of step-up
authentication options, including:• Challenge Questions: Questions selected and answeredby the user during enrollment• One-Time Passcode (OTP): One-time passcode sent tothe user via text message, phone call or push notification• Biometrics
o Fingerprint & Face ID biometrics based on themobile operating system technology (available formobile application users)
o Tamper proof biometrics options for facerecognition• Transaction Signing: Cryptographically signs transaction
details to verify transaction integrity and authenticity tofight advanced financial malware attacks• Orchestration framework for external authentication
allows you to Bring-Your-Own Authentication methods
such as tokens or FIDO compliant biometrics andpasswordless authentication methods
Outseer Fraud Manager™ - Data sheet5All-in-One Integrated Fraud Prevention
The Outseer solution provides integrated fraud prevention and orchestration by enabling yourorganization to make risk-based decisions through the customer digital journey and across digitalchannels such as online and mobile, as well as physical channels such as call centers, IVR, ATM,
branches, and more. By centralizing fraud management and insights from third party tools into Outseer
Fraud Manager, you gain holistic visibility into your customers’ digital interactions and transactions so
you can better protect them from fraud. By leveraging our orchestration capabilities and advanced
machine learning analytics, Outseer Fraud Manager will help you:
• Increase fraud detection rates in all customer digital interactions without adding friction• Optimize existing investments in anti-fraud tools• Increase your customer loyalty and trust, leading to higher revenue
Outseer Fraud Manager leverages its heritage as a pioneer in science-driven innovation to support
fraud prevention solutions that give you the foresight to confidently accelerate your business.

Outseer Fraud Manager™ will
help you:

Optimize existing
investments inanti-fraud tools

Increase yourcustomer loyaltyand trust,leading to higher
revenue

Increase fraud
detection rates inall customer
digital interactions
without adding
friction

Sources:
1. Disclosed Data Breaches| Security Magazine
Outseer Fraud Manager™ - Data sheet6About Outseer
Outseer is on a mission to liberate theworld from transactional fraud. Our
market-leading payment and accountmonitoring solutions protect over $200
billion in annual payments while increasing
revenue and reducing customer friction forcard issuing banks, payment processors,and merchants worldwide. Leveraging
billions of annual transactions from morethan 6,000 institutions across the globe, ouridentity-based science delivers the highest
fraud detection rates and lowest customer
intervention in the industry. See what
others can’t at outseer.com.

©2022 RSA Security LLC or its affiliates. All rights reserved. RSA and the RSA
logo are registered trademarks or trademarks of RSA Security LLC or its
affiliates in the United States and other countries. All other trademarks are
the property of their respective owners. RSA believes the information inthis document is accurate. The information is subject to change without
notice. Published in the USA.06/21