One challenge fraud prevention experts face is identifying truefraudulent transactions in a sea of false positives. Too often, itis the credit union member noticing a slew of fraudulent chargesbefore the credit union notices rare transactional behavior. Or thecredit union notices uncommon purchases that were in fact initiatedby the member, but due to a lack of updated contact informationresults in the credit union turning off the member's debit card asa precaution.

In either scenario, the credit union is receiving calls from amember who is unhappy. The member either has a disruption in accessto their money, or they are trying to reclaim money stolen fromtheir account.

As for the credit union, this is more than just a member serviceannoyance. In the case of theft, the credit union faces monetarylosses. As for the disturbance in transactions, this could resultin a potential loss of a credit union member.