Scoring systems, behavioral rules, graph analytics, network-level detection and all other fraud detection tools flag suspect transactions for review. Once flagged, transactions become cases that typically require between 2 to 4 hours of manual investigation by dispute, fraud and AML team analysts. That time is used to gather information from 8 to 10 in-house and third-party systems. Only then can a judgment be made whether to approve or decline an ecommerce sale or request additional information from a cardholder. The information gathering aspect of a dispute analyst’s job comprises about...