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Worldline

ACI Red SHIELD

INTELLIGENT FRAUD MANAGEMENT; PROTECTING MERCHANTS ANYTIME, ANYWHERE

FEATURES AT A GLANCE

ACCURACY

• Pinpoints fraud by
combining customized rules
with machine learning and
predictive and behavioral
analytics
• Exposes emerging trends
through global fraud data
and intelligence
• Connects merchants to
expert, results-driven risk
analysts

EFFICIENCY

• Reduces losses by cutting
chargebacks, false positives
and manual reviews
• Enables merchants to scale
up to meet multi-channel
demand
• Powers real-time and
retrospective fraud screening
for continuous detection
• Consolidates transaction
data into actionable
intelligence

GROWTH

• Allows frictionless payments
to drive revenue and loyalty
• Enables safe expansion into
new business avenues
• Adapts to new channels,
payment types and sales
trends

ReD SHIELD LETS MERCHANTS CONTINUALLY MONITOR, LEARN AND REFINE THEIR FRAUD STRATEGIES ANYTIME, ALL THE TIME


ACI Worldwide, the Universal
Payments (UP) company, powers
electronic payments for more
than 5,100 organizations around
the world. More than 1,000 of the
largest financial institutions and
intermediaries, as well as thousands
of global merchants, rely on ACI
to execute $14 trillion each day in
payments and securities. In addition,
myriad organizations utilize our
electronic bill presentment and
payment services. Through our
comprehensive suite of software
solutions delivered on customers’
premises or through ACI’s private
cloud, we provide real-time,
immediate payments capabilities and
enable the industry’s most complete
omni-channel payments experience.

ACI ReD Shield® is an intelligent, real-time fraud
management solution customized to the requirements
of major eCommerce merchants. Delivered as a managed
service through an expert team of experienced risk
analysts, ReD Shield provides instant, accurate decisions
on all transactions across channels, geographies and
payment types. The solution’s interactive self-service
business intelligence portal, ACI ReDi ™, provides an
invaluable window into transaction data, enabling
merchants to continuously monitor and refine their fraud
prevention rules to stop fraud faster.

ReDi provides a powerful analytical view of transaction trends, allowing
merchants to monitor their payment activities and make more accurate
business decisions.

THE MARKET CHALLENGE

Consumers are increasingly engaging with merchants through multiple
channels, using an ever-expanding choice of payment methods. With
the demand for ever-faster order fulfillment, within and across borders,
comes heightened exposure to fraud risk and complex fraud management
challenges.

To protect and grow business online, merchants need an agile fraud
management solution closely tailored to their individual needs, capable of
evolving and scaling with their business. A solution that enables genuine
orders and promotes customer loyalty, while reducing fraud losses and
minimizing costs.

THE ACI Red SHIELD SOLUTION

ReD Shield is a real-time, multi-tiered fraud solution delivered to
merchants via Worldline. It utilizes machine learning models, predictive
and behavioral analytics, customer profiling techniques and shared data
to support valuable transactions and identify and isolate potentially
fraudulent ones. The platform delivers a holistic business solution that
reduces fraud and chargebacks, protects revenues, supports growth and
enhances the customer experience by reducing false positives and
manual reviews.

ACI’s continuous investment program ensures that ReD Shield remains
fast, robust and can scale to meet the challenges merchants face as
eCommerce and multi-channel demands continue to grow. Investing in
the latest technology and third-party connections enables ACI to deliver
best-in-class, agile solutions which support the business success of
merchants.

UNRIVALLED INTELLIGENCE

ReD Shield is underpinned by a wealth of fraud intelligence, which is
accessible by all merchants who use the solution. ACI holds its own
continuously updated, proprietary screening database, which can be used
to accept, challenge or deny transactions for merchants. This intelligence
enables merchants to build extensive customer profiles and a more
accurate view of their transactions — both good and bad.

The ReD Shield business intelligence portal, ReDi, equips merchants with
a valuable window to changing fraud patterns, the impact of fraud rules
and rule changes (including those in silent mode), as well as the ability
to analyze these trends, down to the individual transaction level. Fraud
processing activities can be monitored in near-real time or viewed as
longer term trends, providing valuable insight that can be used to improve
the performance of internal fraud teams, as well as in the development of
marketing and channel strategies and business expansion plans.

ACI RFX™, the retrospective screening capability within ReDi, enables the
re-screening of live orders against new fraud intelligence received into the
ACI database. This gives merchants the opportunity to block fraudulent
activity at dierent points during the lifecycle of the transaction — enabling
them to detect and shut down fraud faster.

MANAGED BY EXPERTS

It is the expertise of ACI’s team of risk analysts that really dierentiates the ReD Shield solution. Their analysts ensure that the ReD Shield service is
precisely tailored to the needs of each vertical and even individual merchants,
depending on requirements. The team is a global one, giving merchants an
unrivalled view of fraud trends, as well as ensuring they can be supported
anywhere in the world.

ACI and ReD Shield are trusted by some of the world’s biggest brands. ACI’s merchant base includes leading retailers, gaming companies/digital merchants, OTAs, telecommunication companies and other major
eCommerce merchants.

With 40 years’ experience building, implementing and operating payment systems, and more than 20 years delivering fraud management solutions globally, no other fraud vendor has the same holistic set of tools, or the depth, breadth and experience of ACI.

ABOUT WORLDLINE

Worldline [Euronext: WLN] is the European leader in the payments and
transactional services industry. Worldline delivers new-generation services, enabling its customers to offer smooth and innovative solutions to the end consumer. Key actor for B2B2C industries, with nearly 45 years of experience, Worldline supports and contributes to the success of all businesses and administrative services in a perpetually evolving market. Worldline offers a unique and flexible business model built around a global and growing portfolio, thus enabling end-to-end support. Worldline activities are organized around three axes: Merchant Services, Mobility &
e-Transactional Services and Financial Services including equensWorldline.
Worldline employs more than 9,100 people worldwide, with estimated pro forma
revenue of more than € 1.5 billion on a yearly basis.

In 2017, Digital River World Payments joined Worldline, thereby significantly
increasing Worldline’s internet payment capabilities and its global reach to supportinternational merchants and large retailers.

Worldline is an Atos company.