File Fraud Reports
Identify fraud quickly, file reports accurately, and detect patterns before losses spread.
APS Advantage provides the structure, automation, and monitoring required to manage fraud reporting as a continuous operational capability—not a reactive task.
With APS Advantage, teams can:
- Capture fraud details accurately at intake
- File required fraud reports automatically
- Detect repeat patterns and emerging risk
Fraud reporting is time-sensitive and highly fragmented.
Fraud details are often captured inconsistently, reports are filed manually across multiple systems, and patterns emerge only after losses accumulate.
Effective fraud reporting requires coordination across intake, networks, and monitoring—not disconnected tools.
Capabilities
How APS Advantage transforms fraud reporting from reactive task to continuous operational capability.
Structured Fraud Identification
Intelligent Intake captures fraud indicators at the point of entry—transaction details, cardholder account information, dispute circumstances, and pattern flags—using structured forms that ensure nothing is missed. When a case is identified as fraud, the system captures the specific data elements required for downstream reporting and investigation.nnFraud identification isn’t left to processor instinct. The intake process surfaces the signals and records them consistently.nnResult: Complete, structured fraud data captured at first contact—ready for reporting and pattern analysis.
Automated Fraud Report Filing
Dispute Advantage automates the generation and submission of required fraud reports—including TC40 and SAFE filings—based on case data already captured during intake and investigation. Reports are populated automatically, validated against network requirements, and submitted through Connect integrations.nnFiling isn’t a separate manual step. It’s triggered by the case workflow when fraud is confirmed.nnResult: Timely, accurate fraud report filing without manual data entry or separate reporting systems.
Fraud Pattern Detection and Escalation
Guardian monitors fraud-flagged cases for patterns—repeat disputes against the same merchant, velocity spikes on specific accounts, geographic anomalies, and behavioral indicators that suggest organized or systemic fraud. When patterns emerge, the system escalates them for review before losses compound.nnPattern detection operates across the full portfolio, not case-by-case.nnResult: Earlier detection of emerging fraud patterns, with escalation before losses accumulate.
Ongoing Monitoring and Sanctions Screening
Watchlist Advantage extends fraud protection beyond individual disputes by continuously screening cardholders against OFAC, sanctions lists, and high-risk indicators throughout the account lifecycle. When a cardholder’s risk status changes—due to new sanctions, fraud associations, or elevated activity—the system flags the account for review.nnCombined with CIP identity verification at onboarding, this creates a continuous monitoring layer.nnResult: Ongoing risk screening that complements dispute-level fraud detection with portfolio-level protection.
