With the payments industry evolving faster, with more alternatives and innovations along with the expanding use of chip & PIN; fraud is more technologically sophisticated and organized. Ad-hoc modeling, based on machine learning, brings the ability to increase detection rates while creating immediately deployable countermeasures, and reducing the cost of false positives. Detect in real-time and deploy immediate countermeasures with and without human participation. Hear about these capabilities and the banking industry leaders using them.