Bank of America Corporation

Maura Louise Griffin

Teresa Hegdahl Stigler

Mary Palmer Harman

David G Turner

Donna Dee Turner

Robert George Shiflet, Jr

Tamara S Kingston

Deborah M Winick

Caroline Beal Stott

Brent B Allen

Colleen M Buckles

Gerald V Yuille

Lee A Streu

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more activity baseline scores, each score associated with one or more activities and based at least in part on financial institution data from multiple financial institutions. The activity baseline score defines a normal risk or baseline activity for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the activity baseline score(s) and generating and initiating communication of risk score alerts and/or activity baseline deviation alerts based on predetermined activity baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data.

Behavioral baseline scoring and risk scoring

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate suspicious activity and/or identity theft alerts and/or reports in response to identifying the suspicious activities and/or confirming an identity theft incident associated with the suspicious activity. In further embodiments, the monitored financial institution may include one or more, and in some embodiments all of, account data, asset data, liability data, negative file data, customer data, device data, credit data, or biometric data. In addition, in certain embodiments, the monitored data may include non-financial institution data.

Comprehensive suspicious activity monitoring and alert system

Visual cues for identifying financial accounts. A distinctive visual cue, such as a specific color, is applied to an account from among a plurality of accounts, such as associated joint and individual checking accounts. The designation can be applied to statements, and optionally also checks, check/ATM cards, and other materials can be identified at a glance. Additionally confidential flag can be applied to an account as part of the designation, to provide extra notice to both personnel and various systems that an individual account is confidential within the associated accounts. A system for assigning distinctive visual cues to accounts can include a customer or account information database for storing plurality of possible distinctive visual cues, and one or more fulfillment subsystems for providing bank statements, checks, deposit slips, check cards, and the like.

Visual cues for identifying financial accounts

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Atlanta, GA, United States of America

Maura Louise Griffin