Credit Risk & Compliance
Take control of credit risk, compliance requirements and regulatory demands. Enjoy the flexibility and scalability of features like real-time risk model updates, user permission controls and seamless connections to your internal and third party systems.
Leverage Zoot to incorporate the right fraud detection and prevention measures where and when you want them in your business. Incorporate powerful ID verification, device authentication, AML, OFAC data and more, with real-time API connections that integrate directly with your legacy and third party systems.
Use a Zoot data acquisition solution to inform your unique credit risk models and remain compliant with state and federal regulations. With Zoot, you can pull hundreds of attributes to feed into credit risk decisions, while simultaneously managing KYC, AML and other regulatory requirements. Tap into internal and third party data sources with seamless API integrations to get the right information when and where you need it.
Make compliant, risk-appropriate prescreen offers to your best fit customers with a Prescreen-of-One solution from Zoot. Leverage our multiple bureau agency agreements to support your batch and real-time prescreen initiatives.
Manage and update your origination process while retaining complete control over credit risk criteria and compliance requirements. Our origination solutions enable rapid risk model deployment and testing, and tie directly to internal and third party systems for compliance requirements like adverse action letter fulfillment. Support credit cards, demand deposit accounts, retail cards, unsecured loans, auto loans and other credit products.
Easily integrate a Zoot instant decisioning solution and confidently decision applications – based on your credit risk criteria – in under a second. Access hundreds of real-time data products and provide immediate responses without sacrificing any risk tolerance or regulatory requirements.