“We Didn't Know” Is No Longer a Compliance Strategy The FTC's Humboldt Action Should Be a Wake-Up Call for Every Payment Processor, ISO and Sponsor Bank For years, there has been an uncomfortable reality inside payments. Sometimes the less you look, the less you find. And if you don't find it, perhaps nobody has to […]

Your Policy Changed. Did Your Portfolio? Why Every New Compliance Rule Creates a Portfolio-Wide Problem Most Payment Companies Aren't Built to Solve "Updating a policy is easy. Proving that thousands of existing merchants comply with it is where the real work begins." - Noah Fitzgerald, CPP, CRO Qredible, Inc.   The Email Arrives Monday Morning […]

The Business Case for Continuous Merchant Intelligence™ Why the Most Valuable Merchant Intelligence Is the Intelligence You Never Stop Building ""The organizations that win tomorrow won't simply process more merchants. They'll understand their merchants better than anyone else." - Noah Fitzgerald, CPP   For decades, merchant intelligence has been viewed primarily as a compliance function. […]

Why Static Merchant Profiles Create Dynamic Risk The Biggest Risk in Merchant Underwriting May Be Assuming Merchants Don't Change ""Risk doesn't become dangerous because it exists. It becomes dangerous when it changes without anyone noticing." - Noah Fitzgerald   Introduction One of the most common questions asked during merchant underwriting is remarkably simple. "What does […]

Five Warning Signs Your Underwriting Process Is Already Obsolete Why the Future of Merchant Risk Management Looks Nothing Like the Past ""The problem with legacy processes is not that they were poorly designed. The problem is that they were brilliantly designed for a world that no longer exists." - Noah Fitzgerald   Introduction Take a […]