Card fraud, chargebacks, merchant risk, scheme compliance, authorisation optimisation, and transaction monitoring advisory.

With deep experience leading card risk and card audit functions, Aum Oz Consultants provides specialised advisory covering card
fraud, chargebacks, scheme compliance, merchant risk, authorisation controls, and transaction monitoring across the full card
issuing lifecycle.

We work closely with banks and fintechs to develop a deep understanding of their credit card portfolios, including customer
segments, spend behaviour, and lifecycle performance, and to drive authorisation optimisation strategies that improve approval
rates while maintaining sound risk thresholds. Our team analyses authorisation declines, codes, patterns, and underlying drivers, to
reduce false declines and enhance customer experience, while collaborating closely with fraud and risk teams to optimise fraud
rules and controls without impacting genuine transaction approvals.

We monitor and report on key issuing KPIs, including approval rates, decline rates, fraud rates, and broader portfolio performance
metrics, providing data-driven insights that support decision-making across cards business, risk, and operations functions. We also
enhance MIS reporting dashboards for issuing portfolios, with a focus on authorisation performance and fraud trends.

Acting as the interface between client and issuer stakeholders across cards business, risk, fraud, and operations, we ensure
alignment on initiatives and outcomes, support implementation of authorisation and fraud optimisation use cases, and establish
governance cadences to track performance and ongoing enhancements. Throughout, we coordinate with client teams to embed
best practices and global insights into the issuing portfolio, ultimately strengthening card lifecycle controls, enhancing fraud
detection, and improving customer experience while reducing losses.