Speaker 1: Commerce and banking channels are multiplying, and providing consumers more ways to transact than ever before. From physical channels like credit, debit and prepaid cards, cheques, ATMs and point of sale terminals, to digital channels like ACH, wire, internet, telephone, mobile devices and cryptocurrencies. Consumers, businesses, merchants and financial institutions all benefit from anytime, anywhere commerce. But, there's a dark side. Sophisticated fraud threats are multiplying even faster. Malware and trojans, account takeover and identity theft, credit abuse and bust-out scams, ACH and wire fraud, data breaches, money laundering and employee fraud. In fact, a single data breach can compromise tens of millions of account holders in a matter of seconds. These threats put consumers, businesses, merchants and banks at risk for sudden and potentially huge financial losses. They slow commerce and inhibit business growth, and damage reputations, customer trust and loyalty. While everyone should do their part in fraud prevention, the responsibility for protection falls onto banks and merchants, and is compounded by mounting national and international regulations and compliance mandates. You must act fast to keep up with the onslaught of threats. This means getting payments risk management systems up and running quickly in order to thwart fraudulent transactions in real time before they're completed, perform sub-second analysis of enormous transaction volumes, assess typical and non-typical behavioural profiles, identify and address new threats immediately and at a sustainable cost, all while minimising customer impact. Some companies try to build their own fraud management tools. This can be very expensive, and puts a huge burden on them to try and stay ahead of fraudster's sophisticated attacks. Focused point solutions can be effective for specific channels and threats, but they don't provide a 360 degree view of the customer's accounts and relationships. So what do you need? A real-time, cross-channel fraud management solution with a flexible approach to integration with payment, banking and commerce platforms. A solution with rapid implementation, which produces results from day one. One which leverages shared data and performs real-time analytics as threats evolve, and facilitates easily defining and implementing new rules based on best-in-class financial crime management intelligence. A solution which allows consumers to engage in the fight against fraud through real-time alert options, all supported by a global team of fraud and risk analysts with deep domain expertise and access to global fraud intelligence. To learn how the UP Payments Risk Management Solution can help you protect your customers, your reputation and your bottom line, visit www.aciworldwide.com slash paymentsrisk.