Carmel Maher Carmel Maher is responsible for managing ID Analytics’ renowned thought leadership program, including both primary and secondary research into emerging fraud, credit and identity risk trends. Prior to her role on the product marketing team, Maher was a Business Analyst where she performed retrospective solution and strategy analyses for numerous Fortune 500 organizations. Maher holds a BS in Economics from the University of Virginia.

Synthetic identities: How well are you reading the signals?

For some lenders and service providers detecting synthetic identities might seem like an exercise in futility or perhaps even a lesson in fortune telling—how can they determine whether an applicant identity is real and predict future behavior when the signals …

An analysis of synthetic identities from a fraud and credit risk perspective

One of the most sophisticated synthetic identity fraud rings in U.S. history created 7,000 new identities, received 25,000 credit cards and amassed a $200 million bounty from banks between 2003 and 2013.¹ Credit card issuers aren’t the only ones caught …

Cyber Monday 2018: Late night credit applications and mobile purchasing are trending

In our last post, we shared new trends developing in 2018 that transformed the traditional Black Friday kick-off to holiday shopping. Specifically, online purchasing was a popular choice for many Black Friday diehards. Did that dampen the Cyber Monday …

Black Friday 2018: No more early birds & retail credit applications on the rise

Black Friday 2018 saw slower foot traffic in retail stores than in years past, but that didn’t mean merchandise wasn’t flying off the shelves—online sales hit a record high with shoppers spending $6.22 billion online, up 23.6% from last year.¹ …

Black Friday trends report: Increased credit application volumes put risk managers on high alert

It’s that time of year again. Retail stores are advertising their Black Friday specials with many starting their sales even earlier, prompting some to refer to this popular shopping frenzy to grab deep discounts for holiday gifts as Black November.…

Credit risk or hot prospect? Millennials and back-to-school credit

In 2015, ID Analytics released a report Millennials: High Risk or Untapped Opportunity which debunked the myth that millennials are less interested in traditional credit and financial services than previous generations.  The findings of the study indicated that millennials represent …

Fraud Risk Management in the Data Breach Era

Fraudsters are incredibly adept at changing tactics, making fraud risk management challenging.  To further complicate this, several fraud trends have emerged over the past few years. According to Javelin, in 2017 the rate of account takeover fraud (ATO) tripled, and …