The Intellinx Difference – Enterprise Fraud Management

Unlike other anti-fraud vendors that require the customer to provide the data for analysis (typically from log files and data warehouses), Intellinx provides a much more comprehensive and effective fraud management solution, covering a wide range of functions, from comprehensive data capture to analytics and investigation tools. The data capture is performed both in the traditional way (analyzing log files and data warehouses) and through patented non-invasive capture of user activity data by sniffing network transmission between end-users and servers. This enables organizations to capture internal and external user activity, including user queries, which are typically not included in existing log files, and therefore cannot be monitored by other anti-fraud solutions.

The Intellinx system is highly flexible and is typically implemented much faster than other anti-fraud systems, providing multiple solutions on the same platform. It allows the customer to control all system aspects including data models, business rules, scoring models, screen layouts, reports, dashboards, workflows, alerts, cases, ETL and link analysis.

Function Intellinx Other Anti-Fraud Solutions
Data Capture Monitors all business activity, from the network, logs, transaction files and Data Warehouse Monitoring is limited to logs, transactions files and Data Warehouse
Analytics
  • Highly configurable
  • Covers a wide range of data sources including genuine user behavior
  • Typically inflexible
  • Limited to the information provided (e.g. user queries and behavior are typically not included)
Investigative Workbench
  • Highly configurable
  • Covers a wide range of data sources including genuine user behavior
  • Typically not flexible
  • Limited to the information provided (e.g. user queries and behavior are typically not included)

Fraud Indicators detectable by Intellinx, which are typically not detected by other solutions:

  • Branch employees performing enquiries for accounts without monetary transactions
  • Employees looking up accounts which are not relevant to their normal duties
  • Employees performing an excessive number of name searches, screen prints, inquiries, etc.
  • Online banking customers that perform an excessive number of help page views, statement views, check image views, etc.
  • Online banking customers that suddenly change their behavior regarding any aspect of using their online activity.

Note: Other anti-fraud solutions may be able to detect the last two, only if online banking log files contain this level of detail. Many don’t.

Following is a summary of the difference between Intellinx and other Anti-Fraud solutions

Feature Intellinx Other Anti- Fraud Solutions
Visual Replay Yes No
Visibility to Read-only Actions Yes Depends on whether the actions are included in existing log files. Typically they are not.
Analysis Type Behavior analysis and Transaction analysis Transaction analysis
Forensic Audit trail Yes No
Alert Timing Real time and near-real time Depends on source data timing, typically offline/ batch
Flexibility of Analytic/ Investigative Functions High, mostly done using point-and-click tools Medium/ low, often requires coding
Peer Analysis Yes Yes
Adding Controls to Applications Yes No
Implementation Effort Out-of-the-Box Record /Replay and Search capabilities Requires ETL project for capturing data for analysis
Initial Implementation Time Days Weeks/ months