Nick Lally COO Mairtin O’Riada CIO Gerry Carr CMO Mairtin is as obsessive about catching fraudsters as he is about drinking tea. Before Ravelin, he had a storied career in international intelligence which gave him the perfect insight into the criminal mind. Previously Head of Fraud at Hailo, he’s now channeling all that experience into the perfect fraud product. Leonard has been designing, developing and deploying online technologies for over a decade. He is passionate about the power of agile teams, iterative development, continuous integration, automated testing and empowered engineers. He can often be found in the far corners of the earth. Martin was Founding Engineer at Hailo the taxi app, building the systems and team there over four years into a global business. He is a Physicist by training, but left behind an academic calling for the glamour of fraud detection and software. Martin is a father, husband and sporadic fisherman. Nick loves creating teams and processes in fast-growing organisations. Before Ravelin, he held Finance Director roles at Hailo and Canonical, the company behind Ubuntu, the OS that dominates cloud computing. An accountant at heart, he hates seeing any company lose money to pesky fraudsters. Gerry was the original marketing hire at Ubuntu and over five years there launched its cloud products, seeing it become the most used cloud OS in the world. Now juggles breaking phones with making people in the fraud prevention business aware of what Ravelin can do. ravelin.com
sales is at risk of fraud ⇧215% increase in the rate of online payment fraud since last year 27 attacks per 1000 transactions in Q4 2015 1.3% of revenue is lost by merchants on average *Source: Global Fraud Attack Index (2016)
Taxi Driver Fraudster Dublin to Galway twice a day Chargeback Flights Tweets “looking forward to my flight”. Forgotten Bag 40 Stolen Credit Cards and Cloning Gear Fraudsters Top Five Budwiser Jack Daniels Guinness Gelato Malibu Cardz & Deetz & Fullz allthefreestuff@ youllnevercatchme@ ilovesmokingpot1992@ moneyzzz@
within the checkout flow <300ms Process & Store Big Data All historic data from all clients. All real-time data from all clients. Global Markets Clients operate all over the world. Fraud is different from country to country. Highly Available Clients rely on Ravelin to decide whether to accept an order Secure We store/analysis bank cards, location data and PII (e.g. address, email, phone, transaction history etc) data ravelin.com
database solutions. Can be integrated into real-time scoring. Ravelin maps every user, card number, phone number, device, email, IP Address etc Ravelin Network
client’s experience of fraud. Set the boundaries acceptable behaviour. We track purchasing behaviour prior to the transaction so that each decision is made with as much information as possible. Rules & Fingerprints
at a speed and scale that fits in with how their businesses operate. Our data science teams deploy models across industries and fine tune them for clients. These models learn based on the fraud that our clients experience, taking out much of the analysis work that goes with traditional rules based systems. This leads to higher accuracy - less fraud, and fewer genuine customers being turned away. ravelin.com Machine Learning
distance capitalised % upper/lowercase length total number of characters tld total number of digits all uppercase disposable contains special characters (+,#,& etc) contains “.” contains given name contains family name Levenshtein distance (email & name) Email Features
→Read All History & Graph Data →Feature Extract →ML/Rules/BlackWhite Lists →Respond →Fanout ravelin.com After We Respond →Store all features →Notification - callback →Fanout →Re-Score →Train Models
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