Case Study: Major Global Bank achieves reduced overdraft collections and greater efficiency with FICO TRIAD Customer Manager

Major Global Bank Increases Effectiveness and Efficiency of Its Overdraft Management

A major global bank with more than $1 trillion in assets and over $700 billion in domestic core deposits sought to improve how it managed and collected delinquent overdrafts. The challenge was to restore efficiency in overdraft collections and reduce associated losses across its portfolio.

The bank implemented FICO® TRIAD® Customer Manager using a standard, non‑custom installation, leveraging TRIAD account management, proprietary scoring models and champion/challenger strategy testing to rapidly develop and refine collection approaches. The result was a significant reduction in overdraft collections volumes and measurable gains in collections efficiency, meeting the institution’s financial and operational targets.