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White Paper
What is next-generation AML? The fight against financial crime fortified with robotics, semantic analysis and artificial intelligence
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White Paper
SAS Grid Computing – What They Didn’t Tell YouJoin Austria’s Erste Group Bank on their journey from a monolithic SAS processing environment to a more flexible infrastructure using SAS Grid Manager software.
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Article
AI in banking: Survey reveals factors for successWhat do banking executives report about their experiences with AI? Where are they focusing today? What’s working? What are their plans for the future?
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White Paper
Enterprise Risk Mitigation for Community Banks Keeping pace with anti-fraud and anti-money laundering (AML) regulations represents a significant burden for financial institutions, particularly smaller ones. To help meet these challenges SAS and Jack Henry & Associates have partnered to offer JHA Enterprise Risk Mitigation Solutions™ (ERMS), a cloud-based customization of SAS Visual Investigator that converges fraud detection, AML compliance and investigation in a single, intuitive, visual workspace.
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White Paper
Customer Experience: The Flip Side of the Fraud Detection CoinSee how analytics enables banks to balance risk with customer demand for fast access to deposits.
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White Paper
Achieving Optimal IFRS 9 ComplianceThis paper explores how IFRS 9-impairments compliance will have a substantial financial impact on banks, the major implementation challenges involved, and the critical role of technology in achieving optimal compliance.
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White Paper
Liquidity Optimization Learn about how the complete liquidity optimization solution from SAS helps banks stay profitable while meeting liquidity requirements.
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Customer Story
Preventing crime and ensuring compliance at 120 Nordic banksSDC enables small and medium financial institutions in four Nordic countries to stay compliant.
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White Paper
The Evolution of AnalyticsLearn about modern applications for machine learning, including recommendation systems, streaming analytics, deep learning and cognitive computing. And learn from the experiences of two companies that have successfully navigated organizational and technological challenges to adopt machine learning and embark on their own analytics evolution.
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White Paper
AML Customer Risk RatingThis paper is geared toward the technical audience to describe the benefits of, and how to adopt, statistical modeling for AML and CDD.
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White Paper
Firmwide Scenario Analysis and Stress TestingThis paper explores the two most commonly used firmwide scenario model approaches for stress testing, firmwide risk capital measures and how regulatory stress testing is different from the firmwide risk capital approach mandated by CCAR and EBA.
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White Paper
Fighting Insurance Application Fraud Learn about the advantages of using analytics-driven methods for authenticating applicants to reveal customer gaming, agent gaming and potential future claims fraud.
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White Paper
Detect and Prevent Identity Theft The explosion in e-commerce and online account opening has created new convenience and choice for consumers. At the same time, large-scale data breaches have created new opportunities for fraudsters, fueling an 8-percent increase in identity theft in a single year. Find out how to fight back, without hindering your good customers.
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Customer Story
Fast track to advanced operational risk managementBank of India uses SAS Governance and Compliance Manager for operational risk management capabilities to improve loss data quality and reporting.
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White Paper
Developing Scenario Segmentation and Anomaly Detection ModelsAn effective AML transaction monitoring strategy includes segmenting the customer base by analyzing customer activity and risk characteristics in order to monitor them more effectively. This paper discusses how to blend both quantitative and qualitative methods to tune scenarios to identify the activity that poses the most risk to the bank.
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White Paper
Elements of Business-Driven Stress TestingLearn why banks need a way to operationalize and automate mandatory stress testing to free up resources for value-added, business-specific stress testing that can help decision makers walk the tightrope between opportunity and risk – and drive better performance.
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White Paper
Text Analytics for ExecutivesThis paper looks at how organizations in banking, health care and life sciences, manufacturing and government are using SAS text analytics to drive better customer experiences, reduce fraud and improve society.
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White Paper
The Analytics Mandate: Generating profits in difficult economic and regulatory timesLearn how and why banks need to apply more analytics for real-time decision making and multichannel marketing as consumers continue to migrate to digital channels and generate more data.
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White Paper
Customer Due DiligenceTake a more comprehensive, continuous approach to customer due diligence where risk ratings are always up to date and reflective of the latest demographic and transactional changes.
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White Paper
The Evolution of Regulatory Capital Planning, Measurement and ManagementBanks can successfully cope with the growing regulatory burden by adopting solutions that not only meet current regulatory requirements, but are also flexible enough to address future requirements.
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White Paper
The Future of Model Risk Management for Financial Services FirmsBanks have been using credit scoring models for decades, but since the financial crisis of 2008, regulators have formalized the discipline of model risk management (MRM), driving the need for more rigorous, enterprise-level model information management. Regulators now want to evaluate bank models to access their trustworthiness – not blindly accept the numbers they generate.
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White Paper
Machine Learning Use Cases in Financial CrimesLearn 10 proven ways machine learning can boost the efficiency and effectiveness of fraud and financial crimes teams – from data collection to detection to investigation and reporting.
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White Paper
Digital Intelligence: The Heart of Successful Digital TransformationThis paper explores how digital transformation is changing marketing and customer experience throughout industries, including banking, retail and telecommunications. It also covers the importance of data in digital intelligence and discusses strategic ways to build a digital intelligence platform.
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White Paper
The evolving relationship between finance and riskIncreased regulatory requirements require chief financial officers to be proficient in regulations and advanced big data analytics. As a result, CFOs and CROs must cooperate like never before.
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Customer Story
고객 만족을 높이는 새로운 은행 개념스코틀랜드 왕립 은행이 데이터 중심의 의사 결정을 통해 조직 프로세스를 혁신적으로 바꾸고 직원 참여도를 개선하며 훌륭한 고객 서비스를 제공하고 있는지 확인하십시오.
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Analyst Report
Chartis RiskTech Quadrant for Credit Risk Solutions 2018This Chartis research paper covers the RiskTech Quadrant for Credit Risk Solutions for 2018.
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E-Book
Your real-world guide to combating cyberthreatsFind and stop risks inside your network with analytics
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Customer Story
Analytics powers anti-money laundering effortsSAS helps Landsbankinn reduce false positives and streamline investigation.
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White Paper
Taking the Risk Out of ConvenienceMobile wallets, real-time peer-to-peer (P2P) payments and digital account opening bring new opportunities – and new forms of risk. Javelin shows how financial institutions must adapt their fraud strategies accordingly.
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White Paper
Designing the Infrastructure for Credit Risk Model DevelopmentExplore the most common problems organizations face when setting up infrastructure for analytics – and credit risk modeling specifically – and learn about ways to increase productivity and reduce problems through better planning and design.
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Customer Story
Modernizing consumer lending in VietnamVietCredit aims to revolutionize the consumer finance market with SAS.
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White Paper
Data, analytics and machine learning: The new frontier of fraud preventionThe Economist explores how global financial institutions are using advanced technologies such as machine learning to support fraud and security intelligence.
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White Paper
Six Keys to Credit Risk Modeling for the Digital AgeModernizing and automating the end-to-end process for origination and servicing – from data management to model development to credit decisions – can reduce credit losses and boost performance. This paper explores how infusing machine learning into this process supports more effective credit decisions for individuals, products or portfolios.
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White Paper
Best Practices of Business-Specific Stress TestingDiscover why banks today cannot afford to take a "check the box” approach to stress testing that focuses exclusively on compliance. What is needed is business-specific stress testing that helps decision makers better manage the real risks to their business.
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White Paper
Leveraging Analytics to Combat Digital Fraud in Financial OrganizationsInternational Institute for Analytics summarizes key questions and answers about financial fraud in the digital age.
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White Paper
Using SAS Marketing Optimization to improve credit-line optimizationLearn how SAS Marketing Optimization enables credit line optimization to balance the needs of managing risk exposure and achieving an acceptable rate of return at the portfolio level, as well as to devise a structured approach and advanced methodology that supports credit line strategy.
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E-Book
How Any Size Organization Can Supersize Results With Data VisualizationEveryone makes better decisions with easy access to powerful, interactive analytics – no matter the size of the business. This e-book profiles six organizations that are using self-service data visualization and exploration to make big improvements in the way they work.
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E-Book
An Early Adopter's Guide to HadoopRead interviews with two Hadoop customers and two Hadoop implementors, plus Hadoop adoption survey results and tips for big data management - all in one convenient ebook package.
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White Paper
Complying With CECL Lenders are making headway with CECL accounting standards, but not without some differences of opinion. The Global Association of Risk Professionals (GARP), in conjunction with SAS, conducted a survey to gauge lenders’ progress and concerns in gearing up for the new model. This report explains the survey’s key findings.
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White Paper
Banking Application Fraud: The Enemy at the GatesFind out how you can connect the dots from day one by creating multiple levels of detection that use different analytical techniques to identify both known and unknown patterns, yet one that can evolve and adapt with time.
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White Paper
Enhancing AML Efficiency and EffectivenessCelent discusses how banks are adopting artificial intelligence, machine learning and robotic process automation, including the benefits and key lessons learned. The paper explores considerations for AI adoption and future benefits for the AML industry.
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E-Book
Stress and Strategy: A C-Suite Guide to Scenario-Based Risk ManagementThis e-book from SAS and Argyle explores some of the ways that top-performing organizations are undertaking scenario-based risk assessment to develop and manage their business strategies.
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White Paper
Anti-Fraud Technology As criminals find new ways to exploit technology and target potential victims, anti-fraud professionals must adopt new technologies to effectively navigate the evolving threat landscape.
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White Paper
Risk-Aware Finance and the Changing Nature of CreditNew research by Chartis and SAS highlights how financial institutions must align finance and risk departments to accurately assess future risks and bolster budgeting and forecasting capabilities. This paper explores how risk-aware finance is becoming essential to meeting future regulatory and competitive demands.
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White Paper
Perspectives on Liquidity Risk ManagementLearn how financial institutions are taking steps to get ahead of the regulatory agenda for liquidity risk to ensure they have sufficient buffers by conducting more frequent, and more stringent, stress tests covering a wide range of risk factors.
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White Paper
Analytics Platform and Program: Keys to Success for Regulatory Compliance in Financial ServicesAdvanced analytics is at the heart of regulatory compliance processes in financial services.
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White Paper
Seven trends that will transform bankingAdvanced analytics and big data are enabling smarter decisions and more efficient processes, from credit to compliance and risk management.
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E-Book
Adapting to the New Age of Risk AnalyticsRapid advancements in technology are leading to a new age of risk analytics. The availability of commercial and open source software – coupled with significantly improved integration using industry standard tools – has made analytics more user friendly, expanding its reach to a broader range of business professionals.
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E-Book
Fight Fraud and Financial Crimes With Analytics and Artificial IntelligenceFraudsters are only becoming smarter. How is your organization keeping pace and staying ahead of fraud schemes and regulatory mandates to monitor for them? In this e-book, learn the basics in how to prevent fraud, achieve compliance and preserve security.
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White Paper
BCBS 239: A Path to Good Risk TakingIn the face of all the challenges and potential opportunity, BCBS 239 principles provide a solid foundation for data and analytics. And implementing them should be seen as a strategic investment.
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White Paper
Does Basel III Apply to the Community Bank? This paper discusses common myths and misconceptions community banks have about the Dodd-Frank and Basel III regulations and then explores key issues, challenges and requirements for community bank compliance.
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White Paper
AI Is at the Forefront of Reducing Money Laundering and Combating the Financing of Terrorism See how artificial intelligence (AI), machine learning (ML) and robotic process automation (RPA) are helping firms overcome the challenges, improve results and make AML/CFT programs more efficient and effective.
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E-Book
Making Sense of AIThis e-book explores the current boundaries of AI, as well as the many ways that modern AI applications can improve our understanding of the world and enable us to make better, faster decisions.
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White Paper
The Current State of Banking Stress Testing Technology: Closing the GapsThis paper examines the current state of stress testing capabilities of banks, as revealed in a recent GARP and SAS stress testing survey. It explores key areas of weakness and shares how SAS addresses them by taking a technology-focused, platform-based approach to stress testing.
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Customer Story
Fast-growing bank wins market share with cloud solutionICA Banken cut marketing campaign design from six weeks to one day and increased conversions tenfold.
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Analyst Report
Top Strategic IoT Trends and Technologies Through 2023In this report, Gartner examines 10 longer-term IoT technologies and trends that will be important in the 2018 through 2023 time frame.
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White Paper
Best Practices in Transaction Monitoring Scenario Threshold Tuning and Model VerificationLearn about a best practices approach to performing scenario verification and threshold tuning projects for BSA/AML transaction monitoring systems.
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White Paper
Balancing Fraud Detection and the Customer Experience Customers of a digital business create an intricate online footprint as they transact online. Businesses that capture and truly understand a complete identity based on online and offline attributes can seamlessly authenticate good customers and reliably spot the fraudulent or hijacked identities – in real time.
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White Paper
Analytics and the AML Paradigm ShiftFinancial organizations are deploying artificial intelligence and machine learning in the fight against financial crimes. David Stewart, Director of Pre-Sales for the Global Security Intelligence Practice at SAS, offers tips to help separate fact from market hype when reviewing new data analytics tools.
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White Paper
Fighting Financial Crime Amidst Growing ComplexityGrowing speed, volume and technological complexities raise the challenges in AML. However, recent developments in artificial intelligence, machine learning and robotic process automation are producing solutions that improve AML programs.
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White Paper
Tackle the Complexity of IFRS 9 and CECL StandardsThe US standard for CECL increases the complexity of the allowance estimation process. Outside the US, IFRS 9 is having the same effect. This paper presents a high-level view of best practices for getting this right, including recommendations for organizational structure, data management, model development and management, systems and processes, governance and controls, reports and documentation.
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White Paper
2016 Digital Channel Threat Report: Derisking Convenience This white paper examines the interplay between the challenges and opportunities afforded by the growing breadth of digital channels offered by financial institutions. Learn why mobile wallets, real-time peer-to-peer and digital account opening all require the right mix of security solutions, background analytics and personnel to balance positive customer experience with robust fraud protection.
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White Paper
Migrating Analytics to the Cloud: It’s About TimeIn this paper, SAS and the International Institute for Analytics (IIA) explore how to maximize the performance and value of analytics in the cloud, weigh the options, and choose the right approach to migration.
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E-Book
Keep them coming back How can you use data and analytics to recognize your best customers across channels and know exactly where they are in their customer journey? In this e-book, we provide the latest research on customer loyalty, along with a three-pronged approach for securing it.
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Analyst Report
Under the Spotlight: Innovative Vendors in Financial Crime Case Management TechnologyCelent's Under the Spotlight: Innovative Vendors in Financial Crime Case Management Technology
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White Paper
Capital Management for Banking: Dawn of a New EraThis paper illustrates an approach to managing capital that will enable banks to proactively steer the vital components of strategic plans – product mix evolution, revenue growth and risk appetite.
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White Paper
Building Credit Scorecards Using Credit Scoring for SAS Enterprise MinerDiscover how Credit Scoring for SAS Enterprise Miner software is used to build credit scoring models for the retail credit industry.
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White Paper
BCBS 239: Meeting Regulatory Obligations While Optimizing Cost ReductionsExplore how forward-looking finance executives are using high-performance technologies to create fundamentally superior, compliant risk reporting processes – and ultimately help executives realize the goal of sustainable profitability
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White Paper
Artificial Intelligence for ExecutivesThis paper outlines the SAS approach to AI and explains key concepts. It also provides process and implementation tips if you are considering adding AI technologies to your business and analytical strategies.
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White Paper
Managing Fraud Risk in the Digital Age The rise of mobile and online transactions introduces new fraud risks. Retailers and payment processors must adapt their anti-fraud defenses, augmenting them with stronger, analytics-driven authentication, proactive detection and mitigation tools.
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Customer Story
Finding your best customers with machine learningSeacoast Bank enhances customer value using AI and SAS Visual Analytics on SAS Viya.
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White Paper
Emerging Market Risk Challenges and FRTBThe financial services industry needs to take five key steps to address the challenges of FRTB, such as gaining the ability to: measure and manage firmwide market risk intraday and on demand, manage risk in broader market context, and manage more rigorous delineations among banking assets.
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White Paper
Navigating the route to IFRS 9 complianceIFRS 9 standards establish wide-ranging and complex practices that can shape how financial institutions operate. This paper from Longitude Research and SAS provides guidance on IFRS 9 and examines how companies are preparing to meet this challenge.
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White Paper
Comprehensive Stress TestingLearn how having the right data and analytical software enables you to quickly simulate different environmental conditions or risk scenarios to understand their effect on the financial position of your bank.
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White Paper
Data Quality: The Achilles' Heel of Risk ManagementEffective data quality management should be considered a basic requirement for modern-day bank management. This paper focuses on five best practices for improving data quality that are derived from successful SAS projects within the financial services industry.
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White Paper
CECL: Don't Neglect the FundamentalsFirms that proactively implement a CECL process that is controlled, efficient, collaborative and sustainable will find themselves with a competitive advantage over time. This paper discusses the long-term benefits of this holistic approach.
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