Arcot Smart Ruleset
Smarter, Faster Fraud Prevention
Effortlessly reduce friction, increase approval rates, and improve compliance across geographies.
Fraud is never static, and neither are we. Broadcom's Arcot Smart Ruleset uses advanced machine learning to transform the protection of digital, card-not-present transactions with an intelligent, efficient, and automated engine. This delivers smarter, faster payment authentication that reduces fraud losses and provides an immediate return on investment for issuers and merchants.
"Smart Ruleset strengthens our fraud prevention by using machine learning to uncover risk patterns that complement our existing controls. Combined with our broader authentication ecosystem, it helps us stop fraud earlier in the lifecycle. In the past six months alone, we prevented over $2 million in additional fraud savings — building on the strong results our existing controls were already delivering." — Sergio Valencia, VP, Authentication Risk Management, Velera
Over 12.5% of Arcot's total traffic now relies on the Arcot Smart Ruleset to cut fraud, increase approvals, and
remove unnecessary cardholder friction. What’s powering your traffic decisions?
Less Fraud, Less Friction, More Precision with the Arcot Smart Ruleset
The Arcot Smart Ruleset is an Enhanced Payment Authentication System that:
- Automates fraud detection and payment authentication decision-making
- Updates to reflect the latest regulatory requirements
- Continuously adapts from fraud feedback and transaction data to block current fraud trends.
Matt Cooke, Vice President and General Manger of Arcot, the Payment Security
Division at Broadcom, discusses why The Arcot Smart Ruleset is the feature
he's most excited about since joining Arcot.
The Engine Behind the Arcot Smart Ruleset
- Best-in-class machine learning models built on Arcot's 27 patents in advanced data science technology
- The industry-leading Arcot Issuer Fraud Score
- The Arcot Network: one of the largest 3-D Secure data consortiums globally
How It Works
The Arcot Smart Ruleset delivers faster, smarter fraud prevention with minimal manual effort. It harnesses your own transaction and fraud data to create a tailored ruleset that maximizes protection and performance across your portfolio. Continuously learning and adapting to evolving threats, it reduces losses, increases approvals, and minimizes false declines — all while keeping ultimate control in the issuer’s hands.
Intelligence, Compliance, and Control. All in One Ruleset.
Whether you want to target challenge rate, reduce denials, or optimize for fraud savings, the Arcot Smart Ruleset puts you in control.
The Three Layers of the Ruleset:
- Customer Rules: Your priorities come first.
- Regulatory Rules: Our 3-D Secure experts handle compliance complexity for you.
- Arcot's Smart Rules: Maximize approvals, minimize friction and block more fraud.
Ej Grybowski ,Head of Customer Success at Arcot, the Payment Security Division at Broadcom, discusses the three layers of protection in the Arcot Smart Ruleset.
The Arcot Smart Ruleset: Reduce Fraud Losses by up to 48%. Improve Frictionless Rates by ~3%
Key Areas of Impact:
- Optimized Fraud Prevention & Customer Experience: Simultaneously reduce fraud losses and customer friction through more effective, adaptive rules
- Reduced Operational Overhead: Significantly decrease the time and effort required for rule creation and maintenance
- Continuous Compliance: Ensure compliance with ever-changing global regulations and card schemes requirements through automated updates from Arcot that make sure you are always covered
- Full Issuer Control: Maintain ultimate control and transparency over your ruleset, with your business goals prioritized
- 3DS Expertise: Improve your performance with expert guidance from Arcot's 3DS consultants and award-winning data science team that focuses solely on 3DS and has been innovating since 3DS 1.0
- Network Intelligence for Stronger Defenses and Faster Detection: Enhance your defenses by joining the largest 3DS network on the globe.
- Quality Data: Arcot's extensive and consistent datasets enable automation models to work as designed. In the world of AI and Machine Learning, the quality of data is as crucial as the analytical methods themselves.
Results from an Issuer following Adoption of the Arcot Smart Ruleset
- The value of Allow Fraud reduced by 77%
- The value of fraud detected is above 98% (up from 95%)
- The Challenge Rate increased by only 4%
- No material change to the Deny rate
Results from an issuer based on 10 weeks of data. The issuer adopted The Arcot Smart Ruleset and layered it on top of their existing ruleset.
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