Consultants areas of expertise

Leverage our expertise for operational, industry and credit risk-management principles and practices

Enterprise-wide Value Creation

Global Business Consultants

Our consultants provide you with strategic insight into credit risk and fraud management, business opportunities, and deployment strategies. We ensure consistency through strong subject matter expertise, client understanding and a proven client engagement model.

We have deep knowledge of data, analytics and software and demonstrated the ability to combine this with our expertise in credit management principles and practices.  We solve complex business needs across industries that span different business sizes and market stages.

Fraud Business Consultants

Our fraud consultants have deep expertise and understanding of operational best practices, as well as fraud and identity strategies to deliver better, more insightful decisions while extracting greater value from current and prospective customer relationships.  

Through our risk-based approach to fraud mitigation and customer authentication, we help proactively manage risk by providing comprehensive insight into a consumer or commercial entity.  This insight enables you to identify new credible customers, protect existing customers and meet regulatory obligations. 

Specialized Consulting

Specialized ad-hoc consulting is available for specific engagement needs related to:  

  • Provisioning – correctly and accurately forecast and provision for bad debt
  • Reporting – Design, use and interpret best practice strategy and scorecard reporting across the customer lifecycle: origination, customer management and collection
  • Loan modification – Qualify borrowers for a loan modification program (those showing inability to remain servicing the current debt)
  • Credit Risk function – Start-up or improve credit risk function or organization
  • Portfolio management – Profitably manage credit risk portfolios; manage credit portfolios across a wide spectrum of topics
  • Benchmarking – Interpret, use and act on information available from a credit bureau as related to the client performance against peer group
  • Mergers & Acquisitions – Specifically assess main impacts on credit risk management and marketing in light of a merger between 2 banking entities
  • Credit Bureau – Enhance the usage of market wide credit bureau data and value added products (scores, models, triggers, indicators, attributes) in credit risk operations to enhance risk prediction and increase profitability using “positive” credit bureau information
  • Capital Allocation – Optimize the allocation of capital across portfolios using RAROC approach
  • Pricing – Introduce a risk-based and/or performance based pricing approach to a retail credit portfolio

A business review helps identify value creation opportunities.  We have established a highly effective methodology for evaluating opportunities to improve the return on investment, assess the organization’s capacity to deliver these opportunities and identify any additional capability that might be necessary to fully realize proposed benefits.  


» Success story (major US Retailer)

» Success story (major US money transfer service)

A strategy design helps create decisioning segmentation strategies and associated actions in support of their strategic goals and key performance indicators.  Several different techniques and approaches are used from data driven and empirically-derived methodologies to optimization and expert design practices.


» Success story (major US Retailer)

» Success story (Canada card-collections)

Consulting is an on-going element to ensure your customer decisions continue to add value to your business.  A strategy review helps clients continue to realize value by improving and refining existing decision strategies.   


» Success story (UK retail bank)

» Success story (Australia retail bank)

Our fraud consultants work with clients to conduct both operational and analytic assessments of current strategy effectiveness that include benchmarking analysis, validation studies, and profile and strategy analysis to derive specific recommendations based on changes in business, economic or market conditions.

Operational Review

An operational review helps clients find new opportunities to reduce fraud losses, improve the customer experience and reduce operational costs.  We have established highly detailed studies and an effective, practical approach for improve the detection and prevention of fraud.

Additional consulting offerings

Our clients are also influenced by risks and required resources associated with activities and business drivers where our consultative approach can be applied to help manage these challenges. 

  • New product launches and customer access across channels
  • Nontraditional or high-risk consumer and commercial market penetration
  • Enterprise-wide process and intelligence
  • Implementation of hosted services and products
  • Regulatory pressures and related costs
  • Customer experience and retention
  • Emerging of shifting fraud trends and threats

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Global Consulting Practice

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