This product has improved our organization as follows:

• Helped reduce 3-D Secure losses to one of the lowest in the industry while having minimal customer impact.
• Enabled us to cut the 3DS losses in half, while declining 33 basis points of transactions. Twelve basis points of the 33 was fraud, i.e., a false positive rating of 1.8 to one.
• Developed new operational processes on the back of additional intelligence provided by the system. This helped reduce account takeover.

Our organization is able to see fraud transactions and the subsequent realized losses.

I definitely brought over a lot of my learnings from a previous company. I was already familiar with the interface over there on rules, etc. We were doing the space for authentication over there. So that's something, which I tried to influence once I started working here. Based on my knowledge, I've been able to get and write better rules over here and try to drag down challenge rates.

Customers want to be able to use their cards online in a manner which is fast but secure and minimizes friction, so the solution that we have from CA means we can achieve that objective.

The valuable element is the data that I have. They have a lot of machine fingerprint data and that's data that we miss on non-3D Secure card not present transactions. We see a high value in that. With all the fraud rules that we built, we have a very good false positive ratio because of the big data that CA has.

It has added another layer of security in which it reflects customers' confidence in dealing with our organization.

The risk of fraudulent transactions increases when the transactions are done online (e-commerce).CA Transaction Manager helps us ensure the source of e-commerce transactions is a valid merchant and customer.