Company: RSKD
Filing Date: 2025-03-06
Form Type: 20-F
Source: 0001851112-25-000006
Chunk: 76

Company: RISKIFIED LTD.
Filing Date: 2025-03-06
Form: 20-F
Item: Item 4
Chunk 76
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 workflow product is designed to aid our merchants when they dispute chargebacks for which Riskified is not liable, through a process known as “representment”. With Dispute Resolve, we are able to utilize our machine learning technology to automate key elements of the dispute process, such as compiling “compelling evidence” submissions for fraud and non-fraud related chargeback abuse, which can occur when consumers knowingly take advantage of the chargeback process (commonly referred to as “liar buyer” or “friendly fraud”). The visibility, automation and speed that we are able to provide in the chargeback “representment” process augments our Chargeback Guarantee offering, and is an important component of our comprehensive chargeback management solution.

The growth of our merchant network has enabled us to identify many other pain points that our decisioning engine can help solve for our merchants. We are able to help solve these problems using the extensive information we collect from our merchants’ online store fronts and back-end systems including but not limited to, their order management, fulfillment, payments, refunds, returns and other customer support systems.

OurPolicy Protect product uses machine learning to detect and prevent refund and returns policy abuse in real-time whenever consumers may be taking advantage of a merchant’s Terms and Conditions. It is powered by a proprietary engine that forms identity clusters from billions of historical transactions, hundreds of billions of data attributes, and repeat interaction histories for hundreds of millions of consumers, across a global merchant network, broadening the view of customer identity beyond their singular profile with a merchant. Policy Protect helps merchants balance generous policies while protecting their bottom line. With Policy Protect, we enable merchants to offer lenient refund and returns policies, attractive promotions and loyalty programs, and launch limited edition items to their loyal customers while reducing losses associated with return abuse, reseller abuse and other forms of online policy abuse with high levels of accuracy. Merchants can leverage the power of Policy Protect in Decision Studio, a powerful suite of tools that provides AI-powered self-service capabilities for the creation, simulation, and management of customer-facing policies. Through a seamless blend of enriched data points with dynamic AI-powered logic based on Riskified's identity and risk models, Decision Studio is designed to give merchants the power to achieve a delicate balance between human expertise and AI-based automation. This provides merchants with more control over their refund, return, promo and resale policies.

Our Account Secure product cross-checks every login attempt against the account owner’s behavior across our entire merchant network, and provides precise real-time actions on compromised accounts such as notification to the