Use Case: Automate Risk Decisions for Groups

Facilitators and Referrers can automate risk actions for Merchant groups to mitigate risk for actions that occur within the specific group as an efficient way to group higher-risk Merchants and apply stricter risk criteria that won’t apply to all Merchants in your portfolio. This tutorial walks you through the steps to set up an automated risk decision for a Merchant group.

Open

View of the Decisions menu inside the Group Profile page.

Prerequisites

Additional Resources

• Read Understanding Decisions - Risk for more information about individual decisions and how decision actions work.

Create Risk Decisions for a Merchant Group

1. Access the Group Profile

1. Click Groups in the left navigation under the Management category to open the Groups page.

2. Locate the group in the table and select any information in the table row to open the Group Profile page.

2. Add a Decision to the Group Profile

1. Click the Decisions tab on the left side of the page.

2. Click Add Decision in the upper-right corner.

3. Select a decision type from the drop-down:

   • Consumer Transaction Risk: Risk behaviors related to specific consumer transactions.

   • Merchant Transaction Risk: Risk behaviors related to an overall Merchant.

   • Boarding: Risk behaviors related to Merchant boarding.

   • Refunds: Risk behaviors related to Merchant refund issuance.

   • Watchlists: Risk behaviors related to OFAC watchlist and other custom watchlist configurations.

4. Select a decision for the related decision type from the drop-down.

5. Click Continue to proceed.

3. Configure the Decision Details

1. After setting your decision type and decision, input or select the value.

2. Select the action from the Take this Action drop-down:

   • Block Authorization: Indicates that the specific conditions have not been met and the transaction status will be Failed

   • Send Funds to Reserve: Indicates that a merchant has been flagged above a specific threshold or percentage and will automatically create a reserve

   • Hold for Manual Review: Indicates unclear or insufficient data submitted from Merchants during boarding or flagged transactions processed or attempted by the Merchant

3. (Optional) Select the user you want the action to be assigned to specifically.

4. Add any remaining decision rule criteria.

5. (Optional) For some decision types, you can link additional decisions within.

6. Click Continue to complete the decision creation.

Result: The decision is now created for the group and will apply automated risk decisions in the determined circumstances.

Next Steps

After creating your automated risk decision for your group, review the following guides for related issues:

• Hold a Transaction to Respond to Suspicious Activity: Manually create holds on transactions that are suspicious or otherwise high-risk.

• Hold a Merchant Boarding to Perform a Review: Place a new Merchant’s boarding status to Manual Review to perform a risk review before boarding.

• Automate Risk Reviews with Policies: Use the policies feature to automate future transaction holds or Merchant boarding reviews with different risk criteria.

Conclusion

You’ve successfully created your Group Risk Decision to automate actions taken based on risk-based behaviors that occur within the group.

References

Click the links or items below to access any of the following pages:

• Understanding Decisions - Risk

• Groups page (Referrer)(Facilitator)

• Group Profile page (Referrer)(Facilitator)

• Hold a Transaction to Respond to Suspicious Activity

• Hold a Merchant Boarding to Perform a Review

• Automate Risk Reviews with Policies