one admin. one tool. Providing instant access to hundreds of industry leading verification tools.

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2 one admin. one tool. Providing instant access to hundreds of industry leading verification tools. With online transactions, risk management needs to be more than just a process. Businesses need a solution with advanced capabilities that provide optimal defense against fraud. Vogogo provides just that. Risk Management Introduction... Know Your Customers Compliance... Payment Risk Management & Processing Fraud Mitigation Merchant Underwriting Pricing & Contact

3 SECTION: RISK Management Advanced. Intelligent. Intuitive. Risk management solutions designed and customized to meet your business needs. Layered with advanced KYC software and AML/CTF monitoring processes, you can confidently validate your customers upon account creation and every transaction going forward. Vogogo s machine learning capability keeps your business protected with premium risk management coverage. The system learns fraud patterns and then seamlessly adjusts user interaction and transaction metrics based on desired risk thresholds. 5

4 Advanced multi-level KYC technology confidently identifies and analyzes customers. Globally $16 billion was stolen from 12.7 million identity fraud victims in The anonymous nature of online transactions exposes your business to illegal transactions and illicit activity. Verifying your customers is paramount to maintain the integrity and success of your business. Implementing industry leading KYC processes into your platform is easy with Vogogo. With numerous KYC checkpoints automated in near real-time, Vogogo will reduce your risk and optimize successful, verified users and their transactions. NAME TO ADDRESS Verifying your customers registered first and/or last name to address information, address type and length of residency. VERIFICATION Review accounts in-depth, from type of , age of account, customer details to account profile demographics. PHONE VERIFICATION Geo level information with detailed phone characteristics scanned down to phone owner name and billing address. PHONE BLOCKING Set parameters with immediate action to block specific phone types and high-risk phone characteristics of customers. ADVANCED IDV Includes Global ID match, from CPF to SSN ID, driver s license and passport checks, name, address, phone and DOB output. DATE OF BIRTH (DOB) Verification on date of birth down to month / day / year level; which in addition, validates country s legal age. SOCIAL VERIFICATION Confirm customers through their social media networking intel against their address and registrant information. IP RESOLUTION SCREENING Real-time geo location IP resolution monitoring and alerts. Scanning from country level down to city level. DEVICE FINGERPRINT Hardware device tracking and device ID verification provides further awareness of your customers intel to mitigate fraud. 7

5 SECTION: COMPLIANCE Management Comply with world regulations. Providing exceptional compliance for unmatched defense. Vogogo s powerful transaction and customer screening solutions offers unparalleled protection against money laundering and terrorist financing activities. Global sanction screening, AML / CTF reporting and suspicious activity alerts, in conjunction with Vogogo s advanced decision analytics fast-tracks the client assessment and on-boarding process. Integrating with Vogogo, you can effectively lower the cost of compliance, reduce exposure, increase operational efficiency and keep your business compliant. SANCTION SCREENING Customers are automatically validated against; OFAC, OSFL, UN, HM Treasury and PEP s watchlists with the ability to customize your compliance screening based on your business needs. SOURCE OF FUNDS With advanced bank verification easily confirm customers payment details down to bank location, name, account details, cross-referenced with registrant intel such as name, address, and phone. PAYMENT MONITORING Real-time transactional monitoring and reporting for suspicious or illicit activity. Sending alerts automatically to allow for quicker response times to minimize effects of fraudulent transactions. ADVANCED DUE DILIGENCE Comprehensive screening performed on all high-risk customers through technology and data collected from numerous global 3rd party providers. SUSPICIOUS ACTIVITY Vogogo s monitoring team will export data from the system to complete suspicious activity reports and file them to the appropriate regulatory bodies. AML / CTF REPORTING Vogogo monitors, reports and submits on all your transactions that are required to be filed to their appropriate regulatory bodies, keeping you properly compliant. 9

6 SECTION: PAYMENT Management Intelligently route transactions. Set parameters with system actions that are instantly applied, giving you full control over your payments. Understanding the risk model for online transactions allows businesses to increase profitability by customer, which inherently increases their life-time value. Vogogo helps reduce hard costs. Vogogo s transaction machine is integrated with premium data verification services that collects and validates users in near real-time based on their personal data, KYC and compliance checkpoints, transactional behaviors, payment verifications, and more. Vogogo then analyzes this data and authenticity of the user and transaction before it s submitted for processing and re-routes the transaction if needed. Minimizing your exposure and increasing your successful transactional rates. Customer routing works in tandem with multiple features of the Vogogo offering and requires a merchant to offer multiple payment options and/or processing channels to be viable. Essentially customers are directed to payment options based on the risk posed by their interaction with your system. A new customer frequently poses a greater risk to your business than an individual that has been regularly purchasing for weeks/months/years. Routing customers based on risk level is not a new idea, making it simple is! Vogogo can assist you in routing higher risk customers to payment options that pose a lower risk to your business. In a time where customer experience is paramount, declining as few transactions as possible, while preserving healthy relationships with payment processors is critical for any merchant doing business online. 11

7 Feature-rich payment processing. Risk management in front of each and every transaction. ADVANCED BANK VERIFY Available to less then 5% of the globes institutions. Vogogo is one. Confirm customers registrant intel crossed with detailed bank account intel and history. ACTIVITY INTELLIGENCE Vogogo s machine learning capability learns fraud patterns and then seamlessly adjusts user interaction and transaction metrics based on desired risk thresholds. SECURE TRANSACTIONS Layer your customers transaction process with additional verification features such as knowledge-based questions, or phone PIN verification. PAYMENT MONITORING In addition to a real-time configurable KPI dashboard reporting and payment alerts, Vogogo s team is dedicated to monitoring and reporting on any suspicious activity, associated accounts or illicit transactions. ROUTE PAYMENT METHODS Based on customers risk scores, you can route them to preferred payment methods. Minimizing your exposure to high risk transactions by routing high risk customers to low risk payment methods. ROUTE DECLINES Set parameters to automatically route declined transactions to other payment methods and/or other acquirers to process the payment; resulting in an increase in volumes, customer retention and revenue. Need Payment Processing? Add it with simple integrations. Localize your payment services to provide native payment and currency options. Allowing your customers to transact with familiarity and confidence. Learn more at Vogogo.com CREDIT CARDS DEBIT CARDS BANK TRANSFERS 13

8 SECTION: FRAUD Mitigation The right tools to get in front of fraud. Monitor. Evaluate. Respond. Adjust. Vogogo provides access to multiple leading-edge fraud prevention tools and strategies. Making your business efforts on investigating and managing fraud efficient, allowing for quicker response times to minimize fraudulent effects. Vogogo s leadership team has over 50 years of combined experience working in fraud/money laundering prevention and payment risk. In addition to our technology, Vogogo regularly integrate with multiple tools and features to assist in investigating fraud, identifying trends and common identifiers, and immediately targeting fraudsters removing their ability to transact and interact with merchant systems. We understand that risk professionals have responsibilities beyond managing fraud risk thus our solution is more than a simple rules engine. Merchants can access global and local negative databases, test rules with real data prior to deploying in production environments, track performance in real time, work money laundering investigations and submit reports to regulators quickly and more. RULE MANAGEMENT Set countless parameters to alert system action based on risk thresholds. Rules can be set based on customers scores, transaction location, device ID, etc. LIVE KPI DASHBOARD Set configurable monitoring on patterns, behaviors, and transactions with real-time alerts at all levels from global traffic down to specific processing channel results. MONITOR CONVERSIONS Effortlessly review customer conversion, approval and acceptance rates to know if a processing issue has occurred. Providing the ability to take required action quicker. ACCOUNT ASSOCIATIONS Identify shared accounts instantly across unique and global networks through the use of numerous attributes in full, in fragments and with time frame intelligence. COMPLIANCE ALERTS Vogogo provides alerts on all core AML / CTF regulatory requirements. In addition, set specific compliance checkpoints to be alerted on for a prompt response. RESOLUTION CENTER Front-end ID resolution center for your document management and real-time Know Your Customer (KYC) verification processes and history reports. 15

9 SECTION: MERCHANT Underwriting Evaluate and on-board businesses. An advanced risk management solution designed specifically for B2B relationships. Merchant and business underwriting/intake is the first line of defense for any business or enterprise that services other businesses. Service providers know that business level account holders pose greater risks because they can access more features and higher limits than any individual consumer. A fraudulent merchant account can damage your relationship with your processing banks and result in high fines, involvement in money laundering or criminal investigations, diminished operational resources due to increased workload and lost funds. The merchant underwriting space is under serviced in the payments world multiple providers have their own in-house processes that cobble multiple service providers into a single difficult to use and primarily manual process. Others take advantage of single-use solutions that underwrite a merchant but provide no transaction monitoring, provide transaction monitoring but no underwriting or run a credit check only prior to boarding a new business client. Vogogo uses a proprietary merchant on-boarding model that assesses fraud risk, regulatory risk and business viability prior to communicating a decision to accept or decline the merchant. Paired with real-time transaction monitoring that is tied to the merchant risk level, specific processes, checks, and system risk rules management to target industry and merchant risks. Bring your business confidence that risk is managed and exposure to illicit activities is minimized, allowing you to grow your B2B ventures. 17

10 Integrate to Vogogo. FEATURE #1-70 USER VALIDATION Name to address, address type and length of users residency FEATURE # ACCOUNT ASSOCIATIONS Identify shared accounts immediately across unique and global networks through the use of numerous attributes in full, in fragments and with time frame intelligence. PRICING DETAILS Contact us to receive pricing information based on your business location, multiple integrations, or high volume discounts. Existence and ID verify with advanced data Premium watch list screening and reporting capabilities CONTACT US Visit vogogo.com or our on-boarding team directly at Phone number verification with ability to manage and block unwanted phone types FEATURE # LIVE PERFORMANCE ROUTING INTELLIGENCE Payment Allowance Automatically adjust payment velocity amounts in real-time. Route Declined Transactions Instantly send to alternative payment methods for processing or acquirers. Change Payment Route higher risk users to lower risk payment methods. 19