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SHAZAM onFraudLiz Little – Fraud Consultant

Wednesday, August 16, 2017

Effective Use of SHAZAM Card Blocks

• Overview

• BIN Blocks

• PAN Blocks

• PAN Exclusions

• BOLT$ Cardholder Transaction Blocks

Agenda

• SHAZAM Access/BINs tab• SHAZAM Access/Cards tab• Roles Needed

• CardBlockUpdate• BIN DefaultsInquire• MaintCardInquire

• All SHAZAM Access users can view blocks

• Blocks receive an ISO action code of 108• SSR100 Cardholder Exception Journal

SHAZAM Card BlockOverview

BIN Level Blocks

BIN Level Blocks

BIN Level Blocks

BIN Level Blocks

BIN Level Blocks

BIN Level Blocks

Add up to 10 criteria per block

• When to apply

• 3 or more cases of fraud

• Merchant Category Code

• State/Country

• Dollar Amount

• Pinless and Signature vs. All

• Monitor SSR100 Cardholder Exception Journal

• “BF” or “PF”

• Monitor Falcon Case Alerts

• Watch for redundancies

BIN Level Blocks

• When to remove?

• Fraud has “moved on”

• Need to add criteria for new fraud

• Cardholder impact on valid activity

• Monitor SSR100 Cardholder Exception Journal

• Monitor Falcon case alert emails

• May not need to remove blocks not impacting valid activity – China, Hong Kong, Turkey, etc.

BIN Level Blocks

• May be added immediately to avoid fraud• Must provide 30-day notice for proactive alerts

• Blocking all non-US, for example

• Blocks are intended to prevent fraud, not control how cardholders use card

• PAN Blocks• PAN Exclusions

BIN Level Blocks

When to apply:• Use when BIN blocks are preventing valid cardholder

activity

• Revert back to BIN level settings

• Use when you want to restrict certain activity for just one PAN

• Internet, reoccurring purchases

• Monthly fee is minimal, but can add up!

• BIN blocks do not apply

PAN Level Blocks

PAN Level Blocks

From SHAZAM Access Cards screen:

PAN Level Blocks

PAN Level Blocks

PAN Level Blocks

When to apply:

• Use if you wish to exclude a PAN from all blocks

• Monthly fee is minimal, but can add up!

• BIN blocks do not apply

• Use with caution if you are using BOLT$ and Transaction Blocking**

PAN Exclusions

PAN Exclusions

From SHAZAM Access Cards screen:

PAN Exclusions

PAN Blocks & Excusions

BOLT$ Cardholder Transaction Blocks

• New product announced 6/28/17• Allows cardholders to block specific

transactions• Internet • International• Over certain dollar amount

• Cardholder will receive an alert if an attempt is made and declined

• How does this work with SHAZAM Card Block?

BOLT$ Cardholder Transaction Blocks

If a cardholder places Transaction Blocks in BOLT$:

• If cardholder setting is BIN level, BIN blocks also apply

BOLT$ Cardholder Transaction Blocks

If a cardholder places Transaction Blocks in BOLT$:

• If cardholder is at PAN level, PAN blocks also apply

BOLT$ Cardholder Transaction Blocks

If a cardholder attempts to place Transaction Blocks in BOLT$:

• If a financial institution has a cardholder Excluded from BIN blocks, the cardholder will not be able to set Transaction Blocks in BOLT$

• Financial institution will need to set PAN at either the BIN or PAN setting in order for the cardholder to set blocks in BOLT$

• If cardholder has BOLT$ Transaction blocks in place and FI does PAN Exclusion, cardholder blocks are eliminated

BOLT$ Cardholder Transaction Blocks

SHAZAM Card Block BIN Maintenance

SHAZAM Card Block BIN Maintenance

SHAZAM Card Block PAN Maintenance

SHAZAM Card Block PAN Maintenance

• PAN Blocks and PAN Exclusions• Maintenance will show in Transaction History in

SHAZAM Access– Access = maintenance done by Financial Institution– CSAccess = maintenance done by SHAZAM– Mobile = maintenance done by cardholder

• Financial institution has ability to add the BOLT$ Transaction blocks in SHAZAM Access, but should use caution• FI will incur higher billing• Cardholder can override

SHAZAM Card Block PAN Maintenance

• Assistance• SHAZAM Access/Help/Cards• SHAZAM Access/SHAZAM Resource/Cards/Reference

Documents/SHAZAM Card Block Reference Guide

• SHAZAM Fraud Operations 800-537-5427 ext. 2899• SHAZAM client support at 800-537-5427 (options 2, 5)

or SHAZAM® Web Rep

SHAZAM Card Block Help

Questions?Recording will be uploaded to SHAZAM Access/Fraud

Watch/SHAZAM onFraud by August 23 , 2017

800-537-5427 ext. 2899

Thank you!