Current OCC, FDIC and CFPB standards and guidelines are forcing you to defend your overdraft limit assignment, increasing your need for accurate, real-time reporting and risk management capabilities. You need SmarterPay™ from Fiserv.

The financial services landscape is undergoing seismic change. Ongoing financial instabilities have given rise to numerous regulatory changes, leaving your institution vulnerable to intensifying regulatory scrutiny. In addition, principal charge-offs can leave you financially vulnerable, driving you to seek processes that better manage your overall risk profile.

Previous methods for setting overdraft limits, based on either the product/customer type or standard matrix, are now obsolete and unable to react to the current volatile conditions. Today, your institution needs to be risk-based down to the account level in your overdraft decisioning. And yet, installing more stringent methods could negatively impact customer service, ultimately affecting your bottom line.

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