Fraudscreen’s purpose is to make it more difficult for people to gain financially by lying.
In the UK, the corrosive effect of financial dishonesty includes losses to companies and public sector agencies. It also has an impact on honest people, who pay higher prices and higher tax. Honest people are treated as if they are dishonest, and are tempted to behave dishonestly just to keep up.
This is not good for any society.
While policy makers face such a moral hazard, Fraudscreen seeks to have an impact and – in the fullness of time – to measure and report upon that impact.
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At this level, codes provide information about a particular person and the area in which they live. We make these codes available via a real-time API, in batch files, or through a web portal
Fraudscreen can help companies within the insurance sector to effectively price insurance contracts using an applicant’s honesty. Fraudscreen adds an extra dimension to the data enrichment process prior to pricing. This aids optimum pricing and is proving an effective tool in both retaining existing customers and attracting new ones.
Our codes can be used to highlight collection cases with no intent to pay therefore requiring more effective treatment to improve recovery rate. In the same field our services can help to identify claimants who may need further investigation and conversely those where less verification is required.
All this results in increased profitability for insurers.
Decision making within the Financial Sector
Fraudscreen can add an extra dimension in the financial services sector, enabling companies to make more comprehensive decisions with regards to offering financial products. Intent and honesty can now be assessed and added as component of the usual credit risk evaluation. This brings an extra dimension to the applications assessment, improving bad rates and increasing accept rates.
Additionally, our codes will help to underwrite applications with thin credit files, improving acceptance rates for this increasingly large population.
Finally, our codes invaluable in highlighting collection cases who have previously shown no intent to pay, therefore requiring more effective treatment to improve recovery rate.
Fraudscreen can be useful to Telecoms providers throughout the customer lifecycle.
Fraudscreen can add an extra dimension in the telecom sector, enabling companies to make more comprehensive decisions with regards to offering airtime and telecom products. Focus can be put on high risk individuals insuring the appropriate handsets are offered commensurate with risk.
Intent and honesty can now be assessed and added as a component of the usual credit risk evaluation, bringing an extra dimension to the applications assessment, improving bad rates and increasing accept rates.
Our codes can also assist the assessment of thin file applicants, enabling the appropriate hand set to be offered.
Fraudscreen can be useful to Retail Finance providers throughout the customer lifecycle.
Similar to the Financial sector, Fraudscreen codes enhance the decision that Retail Finance make.
This is particularly beneficial within this sector as Fraudscreen holds related performance information on the performance of individual transactions. This enables intent and honesty to be included within the overall customer decision.
Fraudscreen can be useful to Utility providers throughout the customer lifecycle.
Fraudscreen aids Utilities to support the optimum payment method for their customers ensuring this is aligned to their honesty and intent.
Latest News & Blog
FT Partners research shows $1.45 trillion ready to invest
FT Partners research shows $1.45 trillion ready to invest
FT Partners research shows that venture capital and private equity “dry powder“ stood at $1.45 trillion at the end of 2019, according to Preqin, representing the highest amount ever recorded and over 2x the amount from five years ago.
Lucy Walker Recruitment research across their client base shows that 75% of businesses have experienced a decline in business, although there are bright spots such as Legals Services who are increasing staff hours.
Turning Drivers’ Behaviour into Insurance Claim Risk Index
The United States has one of the world’s largest automobile markets, second only to China. With 270.4 million registered vehicles as of 2017 on American roads, there are millions of crashes every year. According to the National Highway Traffic Safety, there were an estimated 7 million police-reported motor vehicle crashes in the US in 2016. This led to about 207 million dollars in collision loss in 2016.
Being able to predict the likelihood of a driver filling a claim in the coming months provides the insurer with the ability to adjust premiums and plan the provisions ahead of time.
Applying predictive analytics to insurance claim is nothing new, however we are witnessing a transition from classical, static and general data-based models (driver age, driver license age, car type, etc.) to models based on actual driving-behaviour (sudden braking and other sorts of unusual driving behaviour indicators).
This transition is mainly driven by the emergence of big data frameworks and their ability to manipulate and analyse larger and less structured data sets. This has led some companies to start collecting data related to driving patterns by using the devices installed by insurance companies in the insured person’s car.
While a number of devices exist to monitor, and log data provided by the car, there are large disparities in the quality of the data elements available between older and newer models. Therefore, in a given insurer’s portfolio, a large portion of the collected data may contain much less information and the data is very inhomogeneous. Nevertheless, good data mining techniques and engineering make this data exploitable.
This is the challenge GDS Link faced recently when analysing data from a few insurance companies where different logging devices had been used over a very diverse fleet; the only data fields consistent across all the cars were timestamp, coordinates, speed and distance travelled (odometer data). The challenge of such an analysis resides in the limited number of features available and the frequency difference at which they are collected (from 30 seconds to every few minutes).
Despite this challenge, GDS Link was able to transform the features into a set of attributes defining the profile of the driver. These includes acceleration, routine trips, similar routes, time at which the vehicle is being used, number of trips, driver type (week-end, casual, commuter), route patterns, usual distance travelled and frequency, speeding patterns, etc. These features will help the insurance company to understand the risk level associated with a particular driver.
By combining this data with publicly available data sources we can dive deeper in the analysis of the driver’s behaviour and the conditions under which they operated their vehicles. Including weather data such as sunset/sunrise times, the type of road and the amount of rain that might have fallen on a specific route at a specific date brings another risk dimension to an already rich data set.
Starting from a large raw data set of 123 million records containing only four attributes each, the GDS Link Advanced Analytics team constructed rich drivers’ profiles, with more than 1,200 attributes describing their behaviour patterns and associated risk. The number and granularity of these attributes allow modelling claim insurance probability with a high degree of confidence.
The key to successfully derive predictive analytics from real life scenarios is often more about the data than the sophistication of the algorithm. It is about being creative and being able to extract innovative attributes that reveal the complexity of the data. Only then, modelling algorithms will be able to exploit the full potential of the data and deliver the best predictions.
28 August 2018 – Serent Capital, a San Francisco-based private equity firm focused on investing in fast-growing software and services businesses, has made a minority investment in GDS Link, a global provider of credit risk management software for the financial services industry.
GDS Link helps its clients efficiently manage their credit risk strategies while improving their lending and account management efforts. Leveraging its differentiated platform, GDS Link serves traditional and alternative financial service lending through both brick-and-mortar and online channels, marketplace lending for both consumer and small business, point of sale retail finance, credit card, auto, and leasing.
“Since founding GDS Link in 2006, we have built a company that has experienced significant growth, gained market recognition globally and provided the financial services industry with innovative solutions for managing risk,” said Paul Greenwood, president and chief executive officer of GDS Link. “We decided that this was the perfect time for us to bring in a partner, and we believe Serent Capital is the ideal investor to help us accelerate our growth strategy. Serent Capital aligns with GDS Link’s core values, has deep financial technology experience, and brings the resources to bear that will enable continued innovation and unparalleled value to our customers. We’re excited to be working with Serent Capital as we build on the momentum we have created in our business and work to achieve our long-term vision in the years to come.”
“We are thrilled to partner with GDS Link, a global leader and innovator in credit risk management software. GDS has created a unique platform that is now used globally across the financial services landscape,” stated Lance Fenton, Partner at Serent Capital. “We are excited about the opportunity to collaborate with Paul and the experienced team at GDS Link, and we look forward to the company’s continued growth and success.”
Serent’s investment in GDS Link represents its twelfth investment in fin tech and fourth platform in the lending technology market.
25 January 2018 – GDS Link, a global provider of risk management solutions and consulting for multiple verticals within the financial services industry including marketplace lending, retail finance, alternative financial services, credit card, auto, and business lending and leasing, today announced that it has finalized the acquisition of Fraudscreen, the UK’s leading provider of analytics to identify first-party fraud.
“Fraudscreen is unique in the UK, bringing together diverse data into their products and is a welcomed addition to the software and decisions solutions for which GDS Link has a growing world-wide reputation. We can now provide additional indicators to our clients that look at the intent and honesty of customers at key life cycle decision points” said Paul Greenwood, President and Co-founder of GDS Link.
Andrew Carter, Managing Director of Fraudscreen, welcomed the acquisition and commented that “the transaction provides synergies for both companies which is truly win/win. Being part of a rapidly expanding decision solutions company will enable faster growth for all and more innovative solutions for both Fraudscreen and GDS Link clients.” For more information about the acquisition, please contact GDS Link at email@example.com or visit www.gdslink.com/contact-us/.
About Fraudscreen Fraudscreen exists to make it harder for people to gain financially through dishonesty and to make it easier for honest people to be identified and therefore treated accordingly. Fraudscreen operate a closed user group of retail, payments, financial services and insurance information and use this with their bespoke algorithms to identify behaviours. Fraudscreen has a broad customer base ranging from insurance uses at pricing, data enrichment and claims, whilst they add an extra dimension in financial services in credit risk and customer management decisions making more comprehensive decisions possible.
GDS Link – One of the Best and Brightest companies to work for
GDS Link – One of the Best and Brightest companies to work for
30 November 2017 – GDS Link, a global provider of risk management solutions and consulting for multiple verticals within the financial services industry including marketplace lending, retail finance, alternative financial services, credit card, auto, and business lending and leasing, today announced that it has been selected as one of the Best and Brightest Companies to Work For® in Dallas/Fort Worth.
“Being recognized as one of Dallas/Fort Worth’s Best and Brightest Companies to work for is a tremendous honor and a recognition that everyone at GDS Link is proud of,” said Paul Greenwood, President and Co-founder of GDS Link. “At GDS Link, our success is driven by promoting and fostering a positive company culture that is built upon dedication, transparency and collaboration while being client-focused.”
“Dallas/Fort Worth companies realize that their employees are key to business success. The companies that were selected demonstrated innovative human resource practices. They intentionally keep employee needs at the forefront of their policies,” said Jennifer Kluge, President and CEO of National Association for Business Resources. “We are very impressed by the commitment that they have demonstrated to their employees.”
According to 101 Best & Brightest, an independent research firm evaluates each company’s entry, based on key measures in various categories. They include Compensation, Benefits and Employee Solutions; Employee Enrichment, Engagement and Retention; Employee Education and Development; Recruitment, Selection and Orientation; Employee Achievement and Recognition; Communication and Shared Vision; Diversity and Inclusion; Work-Life Balance; Community Initiatives; and Strategic Company Performance.
GDS Link and other Best and Brightest Companies to Work For® in Dallas/Fort Worth will be recognized on January 22, 2018 at the Dallas Arboretum. For more information on the Workforce Symposium and Awards Luncheon, as well as a complete listing of winning companies, please click here. About the Best and Brightest Programs The Best and Brightest Companies to Work For® is a program of the National Association for Business Resources that provides the business community with the opportunity to gain recognition, showcase their best practices and demonstrate why they are an ideal place for employees to work. This national program celebrates those companies that are making better business, creating richer lives and building a stronger community as a whole.
About GDS Link GDS Link, LLC’s core platform, DataView360®, provides its clients in multiple financial verticals with the power and flexibility to rapidly implement their credit risk strategies in support of their lending and account management practices. GDS Link’s data bureau gateway provides easy access to a multitude of third-party data sources in support of risk assessment, fraud prevention and mitigation, income and employment verification processes. Our workflow component fulfils a client’s requirements for processing applications that require manual intervention. Founded in 2006, GDS Link is headquartered in Dallas, Texas with seven international offices including the United Kingdom and Spain
Registered office: Westgate Point, Westgate, Leeds, West Yorkshire, LS1 2AX
Company registered in England and Wales: 4813599
VAT registration: 848-7828-62
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Fraudscreen Ltd (C/O GDS Link)
36 Park Row
what information Fraudscreen may collect about you
how Fraudscreen will use information we collect about you
when Fraudscreen may use your details to contact you
whether Fraudscreen will disclose your details to anyone else
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At times we may request that you voluntarily supply us with personal information. Generally this information is requested when you request information (such as a White Paper), but we may gather and process information about you in the following ways: Information you provide by filling in forms on the website or if you report a problem with our website. If you contact us, we may keep a record of that correspondence.
We may obtain information about you from other sources such as industry publications, colleagues or the public domain. If you apply for a job we will use your information for the purposes of recruitment and selection, corresponding with you and equal opportunities monitoring and may hold your information for up to six months in case other suitable opportunities arise. If you are successful, we will retain the information in accordance with your employment contract and our internal data protection policies, which will be notified to you in the course of the application process.
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How we use your personal data
We will use your personal data to provide our customers with our services, information, administration and research. We may keep your information for a reasonable period for these purposes. We may need to share your information with our service providers and agents for these purposes. We may disclose personal data in order to comply with a legal or regulatory obligation. By providing us with your personal data you consent to our processing your data, including sensitive personal data, for the above purposes.
Your rights in relation to personal data which we process relating to you
You have the following rights over the way we process personal data relating to you. We aim to comply without undue delay, and within one month at the latest. To ask for a copy of data we are processing about you and have inaccuracies corrected
The Data Protection Act gives you the right to request a copy of the personal information we hold about you and to have any inaccuracies corrected.
If you would like a copy or think there might be an error you would like corrected, please contact us either by telephone or email, you will be asked to complete an Information Request Form which should be returned to us with two pieces of approved identification (detailed on the form).
We will use reasonable efforts to the extent required by law to supply, correct or delete personal information held about you on our files (and with any third parties it has been disclosed to).
To object to us processing data about youYou can ask us to restrict, stop processing, or to delete your personal data if:
you consented to Fraudscreen processing the personal data, and have withdrawn that consent;
Fraudscreen no longer needs to process that personal data for the reason it was collected;
if Fraudscreen is processing that personal data because it is in the public interest or in order to pursue a legitimate interest of Fraudscreen, you don’t agree with that processing, and there is no overriding legitimate interest for us to continue processing it;
if the personal data was unlawfully processed;
if you need the personal data to be deleted in order to comply with a legal obligation;
if the personal data is processed in relation to the offer of a service to a child;
in which case, you can let us know by email to firstname.lastname@example.org
To obtain a machine readable copy of your personal data, which you can use with another service provider
If we are processing data in order to perform our obligations to you, or because you consented, if that processing is carried out by automated means, we will help you to move, copy or transfer your personal data to other IT systems.
If you request, Fraudscreen will supply you with the relevant personal data in a format which is readily accessible by most IT systems (CSV format). Where it is technically feasible, you can ask Fraudscreen to send this information directly to another IT system provider if you prefer.
To make a request let us know by email to email@example.com
To make a complaint to the Information Commissioner’s Office
If you are unhappy with the way Fraudscreen is processing your personal data, please let us know.
Or, if you do not agree with the way we have processed your data or responded to your concerns, an alternative is to submit a complaint to the Information Commissioner’s Office, through their website or by post or live chat.
If you send offensive, inappropriate or objectionable content to Fraudscreen.co.uk, or otherwise engage in any disruptive behaviour on Fraudscreen.co.uk, Fraudscreen may process your personal data as might be included in such message to stop such behaviour.
We only process personal data in this way for the legitimate interests of ensuring that use of our website is lawful, does not disrupt the operation of our website, does not harass our staff or other individuals, and to enforce our legal rights and to comply with our legal obligations.
Where Fraudscreen reasonably believes that you are or may be in breach of any of the laws of England or Wales (for instance, because content you have sent may be defamatory), Fraudscreen may use your personal information to inform relevant third parties such as your email/internet provider or law enforcement agencies about the content.
Fraudscreen will not (and will not allow its website provider to) use the information and/or any statistical analytics tool to track or to collect any personally identifiable information about visitors to our site. We will not associate any data gathered from this site with any personally identifying information from any source.
Where Fraudscreen proposes using your personal information for any other uses we will ensure that we notify you first. You will also be given the opportunity to withhold or withdraw your consent for uses other than those listed above.
Will Fraudscreen share my personal information with anyone else?
In addition, we may disclose your information to the extent that we are required to do so by law (which may include to government bodies and law enforcement agencies); in connection with any legal proceedings or prospective legal proceedings; and in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention).
Except as provided above, we will not provide your information to third parties.
What if I am aged 16 or under?
If you are aged 16 or under, please get your parent/guardian's permission beforehand whenever you provide personal information through the Fraudscreen website. Users without this consent are not allowed to provide us with personal information.
How long will Fraudscreen keep my personal information?
Security of my personal information
We will take all reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
How do we use your information for marketing?
We may share your information with our business partners for marketing purposes or we may send you information about other organisations' goods and services. We may contact you by mail, telephone, fax, email or other electronic messaging service with offers of products, services or information that may be of interest to you. By providing us with your contact details you consent to being contacted by these methods for these purposes. If you do not wish to receive marketing information from us or our business partners (other than what you have specifically requested via the website) please indicate this on the ["Registration"] form or contact us using the details below.
You should note that if our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred although will still only be used in accordance with this policy unless and until you are notified otherwise.Last updated: May 2018