AnnaMaria Andriotis
speaker
201 appearances
3 recordings
1 series
first heard Dec 2018
last heard Oct 2019
AnnaMaria Andriotis’s voice in public audio — every appearance, attributed to the second.
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Appearances
Discover is a
going to be looking at hundreds of new data characteristics about people.
And it's going to be doing that to primarily identify loan applicants who present risk and essentially would increase the company's chances of people not paying back the loans that they could be given.
The strategy could also help some people
who would not qualify for the loans with the original data that the company was using to get approved for them.
But ultimately, the main goal here for Discover is to identify people who pose a risk of not paying back a loan, either because they really can't afford it or because they're fraudsters.
and to catch that before giving them the loan.
If the loan applicant writes the full legal name of their employer on their loan application, so
you know, a name that, let's say, ends in ink or LLC or co, whatever it might be, that would be a red flag for Discover because it could suggest that the loan applicant is not truly employed by that company, but rather just maybe doing a copy and paste job as they're filling in a loan application with someone else's identity.
Because when you think about it, like a lot of this is behavioral.
If you're filling out a loan application and you're asked for your employer, you are probably going to use the everyday name that your employer goes by and is known.
The chances of you putting in the full legal name aren't so high.
Oh, I see what you're saying.
What they're going to be doing here is to spot signs of fraud.
If the loan applicant calls Discover customer service and is getting the application started,
and Discover sees that they are calling from an internet-based phone service, so not a landline, not a cell phone, something along the lines of Skype or other types of services that are internet-based, that's also going to raise some red flags because finding those people, tracing those people back to a phone number when they're calling from an internet-based phone service
it's a lot harder than a landline or a cell phone.
That's interesting that you say that because that's true.
I mean, not to get into the phone sector, but who would have thought that there'd be a benefit from landlines in the year 2019 as many people are really not just cutting that cord and living with their cell phones.
But yeah, here, if you're calling from a landline or a cell phone,
Showing 81–100 of 201 · page 5 of 11
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