1. Copyright© 2017 Ensenta Corporation
Real-time access to Early Warning Deposit Chek Service account status for deposited items
Copyright© 2017 Ensenta Corporation

2. Agile Risk Management™ platform
The 2014 RDC Summit
Agile Risk Management™ platform
Key focus using EZAdmin - User experience - Mitigating deposit risk - Efficiencies
Why bother with analytics?
Simply put, analytics can simultaneously address three critical issues facing FIs today: - To ensure that the user has the best possible experience making mobile deposits
To reduce the risk of accidental or deliberate misuse
Improve end-to-end operational efficiency and therefore boost profits.
The hurdle is to not trade-off one attribute for another, but to enhance all three- and to do this with flexibility as each financial institution can have unique requirements.. Here is how we address the challenge.
Analytics to optimize all three challenges simultaneously
Copyright© 2017 Ensenta Corporation
Copyright 2014, RemoteDepositCapture.com

3. Protect All Items Across All Capture Sources
Items sent to EWS based on dollar amount threshold defined by segment
Financial Institution
Early Warning
Item Presented
Place in Queue
High Risk Queue
Desktop
ATM
Business
Mobile
Banking
Copyright© 2017 Ensenta Corporation

4. Participant Status Codes
Definition 02
Closed For Cause 12
Closed 03
Closed For Cause-Purged 13
Closed-Purged 04
Stop Payment 4 Field Individual Match 14
Pending Closed 05
Stop Payment 4 Field Range Match 15
Return Item Account (Recent Returns) 06
Stop Payment 3/4 Field Individual Match 20
Enhanced OD (3/90) 07
Stop Payment 3/4 Field Range Match 21
Enhanced OD (5/365) 10
Post No Debits 22
Enhanced OD (10/365+) 11
Post No Checks
Hard Hits 00
Not Located 34
Dormant/Inactive 16
Return Item Account (Recent Returns) 35
Deceased 28
Divested Purged 36
Lost/Stolen Checks 30
Overdrawn 37
Attached 31
Overdrawn New Account 38
Divested Account 32
Uncollected Funds (UCF) 49
Stop Payment 3/4 Field Dollar Amount 33
UCF/New Account
Soft Hits 40
New Account (8-60 days) 80
Credit Card Check 41
New Account (0-7 days) 81
Participant Line of Credit Check 42
New Account ( days) 82
Participant Home Equity 43
New Account ( days) 84
Brokerage Check 55
Official Item – Cashiers Check 98
Non-DDA 58
Forced to Present* 99
Present 59
Forced to Present
Informational Hits
Copyright© 2017 Ensenta Corporation

5. Participant and Scored Account Inquiry Coverage
Participant Accounts Direct Contribution
Scored Accounts Modeling
60%
750M
35%
83M
Financial institutions with more than 250,000 share draft or checking accounts are required to contribute their account status data if they are using the Early Warning data. Financial intuitions below 250,000 accounts are not required to contribute data. Those who contribute are contributing nightly to the database which subsequently updates the scored model nightly.
of Inquiry responses
Accounts
of Inquiry Responses
Accounts
Account status
Incoming & outgoing returns
Transit items & inquiries
Non-participant data contribution
Processed to risk score the accounts
95%
Total Inquiry Response Coverage1
1As of Q Coverage is inferred from Early Warning’s ability to respond to all inquiries using the Participant and Scored Account databases.

6. Additional Risk and Fraud Mitigation Account Status Warnings
ICC - Account Alert
ICC - Account Denied
ICC - No Alerts Found
ICC - No Risk Found
ICC - Routing Alert
ICC - Routing Denied
IFC - Account Closed
IFC - Account Dormant or Inactive
IFC - Account Forced to Present Open or Active
IFC - Account Overdrawn
IFC - Account Purged
IFC - Amex Travelers Cheque or Gift Cheque
IFC - Enhanced Account Overdrawn
IFC – Moderate Return Probability
IFC - New Account
IFC - No Risk Found
IFC - No Status Information Available
IFC - Non-DDA Account
IFC - Not Located
IFC - Post No Debit
IFC - Scored Account High Return Probability
IFC - Scored Account Low Return Probability
IFC - Scored Account Mod Return Probability
IFC - Stop Payment
IFC - Unscorable Account Due to High Volume
Early Warning high risk account status codes listed above in RED will be routed to the Needs Review if Ally chooses to activate a trial use of the service to identify risky items.
Copyright© 2017 Ensenta Corporation

7. Copyright© 2017 Ensenta Corporation
EZAdmin EWS Review
Check21 Express
On the EZAdmin proofing screen, any Ensenta risk factors related to IFC will appear
EWS response data is mapped to Ensenta risk factors
Copyright© 2017 Ensenta Corporation

8. Early Warning Trigger Settings
Best Practice Settings
EZAdmin Risk Factor
Code
EWS Type
Default
Check21 Express Queue
IFC - Account Closed
ECDRF161
Hard
Extended Flag
Reject
IFC - Account Dormant or Inactive
ECDRF168
Soft
Std Hold - Flag
IFC - Account Forced to Present Open or Active
ECDRF170
Info
Needs Review
IFC - Account Overdrawn
ECDRF167
High Risk
IFC - Account Purged
ECDRF166
IFC - Enhanced Account Overdrawn
ECDRF165
IFC - New Account
ECDRF169
IFC - No Risk Found
ECDRF180
One Click
IFC - No Status Information Available
ECDRF173
IFC - Non-DDA Account
ECDRF171
IFC - Not Located
ECDRF194
IFC - Official Item
ECDRF203
IFC - Open Valid
ECDRF204
IFC - Post No Debit
ECDRF163
IFC - Moderate Return Probability
ECDRF164
IFC - Scored Account High Return Probability
ECDRF174
IFC - Scored Account Low Return Probability
ECDRF175
IFC - Scored Account Moderate Return Probability
ECDRF176
IFC - Stop Payment
ECDRF162
IFC - Unscorable Account Due to High Volume
ECDRF177
IFC - High Return Probability
ECDRF205
Early Warning Trigger Settings
Account Holder Group
Dollar Limit
Tier 1 Gold
$ ,200.00
Tier 2 Silver $
Tier 3 Bronze Default $
New User Group $
Copyright© 2017 Ensenta Corporation

9. Optimizing Efficiency with “One Click”
The 2014 RDC Summit
Optimizing Efficiency with “One Click”
Straight Through Processing =
Considerations:
Efficiency
Risk mitigation
Compliance guidelines
Segmentation =
EWS Warning Categories
Hit %
Early Warning Best Practice
Ensenta Risk Factor Recommended Queue
High Risk
.33%
Reg CC Extended Hold
Reject at Point of Presentment
Moderate Risk
.46%
Review account holder history to determine need for Hold
Needs Review
Information Warning
1.29%
Review account holder history
Particular warnings to Needs Review
Open/Active
No hold necessary
One Click Approval
Clearly, the goal is to capture once with minimal intervention, Straight Through Processing. Adjusting Ally risk factors to analyze which risks are important and which are not to fully utilize One Click Approval, leaving only the items that Ally’s granular policy may indicate needs a second look improving workflow efficiency.
Xan will research the Ally actions on One Click approval queue items and report back to the team before adjusting so Ally can confidently use the One Click Approval queue.
Copyright© 2017 Ensenta Corporation
Copyright 2014, RemoteDepositCapture.com

10. Copyright© 2017 Ensenta Corporation
EZAdmin EWS Review
Check Deposit Log
View by deposit that includes EWS response data for that deposit
Copyright© 2017 Ensenta Corporation

11. Copyright© 2017 Ensenta Corporation
EZAdmin EWS Review
Instant Fraud Log
View of all EWS responses
A given deposit may have multiple responses
Copyright© 2017 Ensenta Corporation

12. Copyright© 2017 Ensenta Corporation
The 2014 RDC Summit
Questions?
Copyright© 2017 Ensenta Corporation
Copyright 2014, RemoteDepositCapture.com