Fair Isaac's TRIAD to Support Account Decisions at TD Bank

Fair Isaac Corporation, the leading provider of analytics and decision management technology, announced today that Toronto-based TD Bank Financial Group (TDBFG) has selected TRIAD™ adaptive control system to enhance account management decisions for its credit card accounts.

Fair Isaac’s TRIAD system, hosted at global payment services firm TSYS, will serve as TDBFG’s exclusive system for account-level decision management. TDBFG already uses Fair Isaac’s Customer Management TRIAD, a client-installed version of the leading portfolio management system, to make account decisions at the customer level. Customer Management TRIAD integrates data across multiple accounts and calculates scores across the total combination of credit products held by the customer, helping TDBFG more efficiently manage credit lines, overdue accounts and marketing communications.

“Fair Isaac provides us with valuable decision management expertise, and we are realizing improved results using Customer Management TRIAD, in addition to TRIAD adaptive control system, to implement the decisions that are critical to our bottom line,” said Jim Sallas, VP Visa Products at TDBFG. “We are confident that the strategic conversion of our growing credit card portfolio to TSYS, in conjunction with using TRIAD, will deliver additional value while helping us continue to serve our customers most effectively.”

The ability of TRIAD for account management to assign sophisticated decision strategies and customer treatments to TDBFG’s credit card accounts complements Customer Management TRIAD’s ability to assess risk and distribute exposure across all of those accounts. Once overall risk exposure has been distributed across all relevant product lines, TDBFG can now use TRIAD for account management to design and execute account-level strategies in credit line, authorizations, collections, reissue, and performance-based pricing.

“This new agreement broadens our successful relationship with TDBFG,” said Andrew Jennings, Fair Isaac vice president of Global Customer Management Solutions. “By utilizing TRIAD for account management at TSYS in conjunction with Customer Management TRIAD on their internal warehouse, TDBFG has created a state-of-the-art system for managing customer relationships, understanding customer-level risk, and propagating strategic decisions about credit exposure and customer value to distributed operational systems.”