Risk Management Assessment	Detailed review of risk management policies, practices and controls related to the acquisition, set-up, periodic credit review, transaction monitoring, suspect activity response and merchant termination functions to reduce credit and fraud risk exposure.
Acquisition Strategy and Risk Review	Comprehensive evaluation of the merchant acquisition process to reduce credit and fraud risk exposure with special emphasis on risk management oversight strategies and due diligence surrounding Independent Sales Organizations (ISOs) and third party contractor sales channels.
Underwriting Strategy	Assessment of underwriting policies and merchant application processing work flows covering fraud screening techniques, data verification and credit investigation and risk mitigation steps to reduce credit and fraud risk exposure and improve the efficiency of the process.
Pricing Models	Highly focused effort to design, develop and implement personal computer-based merchant discount pricing models to improve the competitiveness of pricing for different sizes and types of merchants. Our approach utilized cost information from a separate database that could be updated as expense levels changed.
Pricing Decision Support	Detailed product cost study that considers sales channel factors, fixed and variable costs, and incremental expenses to provide a strong decision support foundation for merchant discount pricing model.