Dynamic Multidimensional Risk-Weighted Suspicious Activities Detector^TM

GUARDIAN OFFICER^® is the most advanced and robust suite of fraud prevention solutions, empowering financial institutions to effectively combat financial crimes in real time with the highest degree of effectiveness and efficiency. Although various fraud prevention solutions have been available for many years, these traditional solutions have not been effective and often waste a tremendous amount of human resources and money.

In contrast, GUARDIAN OFFICER^® employs the most advanced technology - Dynamic Multidimensional Risk-Weighted Suspicious Activities Detector^TM (US patent pending) - to thoroughly monitor all transactions and quickly detect fraudulent activities with the utmost accuracy. The operational and transactional data of a financial institution is sliced and diced into hundreds of risk dimensions and each customer, member, employee, vendor or supplier is closely monitored and analyzed in real-time. Since each entity may be different from another, to eliminate false detections, GUARDIAN OFFICER^® actively applies a unique dynamically-adjusted risk model to each entity according to its "then-current" behavior pattern and characteristics. As a result, millions of different risk models are dynamically utilized to monitor millions of entities based on each entity's unique nature. When an account is flagged, GUARDIAN OFFICER^® will generate a real-time alert to immediately block the transaction so that the financial institution can take immediate action to prevent potential losses and damages.

GUARDIAN OFFICER^® offers the most innovative and comprehensive suite of fraud prevention modules including check fraud, check kiting, ATM fraud, wire transfer fraud, credit card fraud, debit card fraud, stored valued card fraud, commercial loan fraud, consumer loan fraud, mortgage loan fraud, online banking fraud, point of sales fraud, trading fraud, insurance fraud, identity fraud, employee fraud, vendor fraud, etc. Since different financial institutions may offer different products and services, each module of the GUARDIAN OFFICER^® suite can be customized based on the specific needs of a financial institution. To provide the most fully integrated risk management solutions with the maximum efficiency, GUARDIAN OFFICER^® is capable of sharing the same server and database with the PATRIOT OFFICER^® (the #1 BSA/AML/ATF solution, which is endorsed by the largest bankers associations across the nation and successfully interfaced with more than 30 different core data processing systems). The GUARDIAN OFFICER^® and the PATRIOT OFFICER^® exclusively interface with the United Crimes Elimination Network (www.UCEN.net) to offer the most powerful and fully integrated risk management solutions in the world, empowering your financial institution to grow by leaps and bounds with peace of mind. PATRIOT OFFICER^® uses innovative and exclusive technology, Dynamic Multidimensional Risk-Weighted Suspicious Activities Detector^TM (U.S. patent pending), to empower financial institutions to effectively comply with the requirements listed in the new BSA/AML Examination Manual which was jointly published by the Federal Reserve, Federal Deposit Insurance Corporation, Office of the Comptroller of the Currency, Office of Thrift Supervision and National Credit Union Administration.

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