ScanX Scorecard User Guide
Audience: Underwriters, Back office processors in AEX
Table of Contents
3.6.5. Action Menu: Audit Logs
This document includes an overview of the Agreement Express Merchant ScanXpress (ScanX) Risk Scorecard product.
The ScanX solution is designed as a configurable risk automation tool that can either be paired with native front end for data collection or receive the merchant data through an API connection. The following documentation is a step-by-step guide to both launching the scorecard and interpreting data points displayed on the scorecard
3.1. Risk Scorecard View
Here is your scorecard! Whether you are entering AEX directly from the URL or this information is displayed by way of publishing API, you will all see the below screen display. We will go into greater detail below on the contents of each page!
Right Side Panel:
On the right side of your screen, you will notice 3 buttons, the Action Menu, the Comments/Correspondence Button, and the List View Button. We will go into detail on all 3.
3.1.1. “Comments” Button
As an underwriter, you are tasked with reading and interpreting a lot of information on this scorecard. The comments feature can be used to make internal notes on the scorecard. These comments will be on the scorecard record so anyone can return back to a completed scorecard and review the notes you have added to this particular scorecard. Also very important for auditing purposes if a flag was raised earlier on, this can be made to note here.
The Correspondence Button:
The Correspondence Button allows you to communicate via email to the sender of the scorecard. Messages could include questions on why you are concerned about this application, a note about what may be missing from the scorecard, or any other data points you have seen that you believe should be communicated back to the sender. The Correspondence messages includes notifying the email address and BCC that the message is being sent to.
The email address entered in the correspondence ‘TO’ field will receive an email directing the user to a page informing them that information and/or documents are being requested. By Toggling on the Notification, your _____
3.2. Stepper Bar
The Stepper Bar allows you to navigate between your Scorecard pages. It also provides an indicator for the worst-case active flag on each page. If an image of a flag appears above the number, 1 or more of the risk flag indicators have been raised on that page, and you will need to review and resolve those prior to accepting or declining the scorecard.
There are 4 types of Flags (listed by priority & detailed later on):
Prohibited > Decline > Review > Resolved
3.3. Overall Score & Status Page
The Overall Score & Status Page provides a summary of the application risk and data to the risk officer.
3.3.1. Overall Score
The Overall Score is displayed in the Summary Section of the Overall Score & Status Page. The Overall Score will always be between 0-100, and is calculated by using a series of Page Weights, Scoring Weights, and Scoring Rule Settings completed by your company administrator. These settings can be adjusted by your Risk Scorecard Company Administrator. AEx recommends getting approval from your Head of Risk Underwriting/Compliance before adjusting any of these settings on your own.
3.3.2. Scorecard System Status’
The Scorecard System Status provides a Recommended Decision for the Risk Analyst. There are two System Recommendation Status’:
It is up to the Risk Analyst to make a manual decision to approve or decline, regardless of the recommendation. Note: Auto decisioning is a feature that can be added, but is only recommended after you feel very comfortable with the way the scores are displaying your company’s level of risk tolerance.
3.3.3. Scorecard Active Flags
On the Overall Page, and the top of each Scoring Page, you will see a summary of the active risk flags. The Overall Page displays all active flags on the entire Scorecard. The Scoring Page Flag Summary only includes flags from that particular page.
3.4. Merchant Details Page
The Merchant Details Page provides a summary of all relevant merchant data. Your Company Administrator is able to Add Custom Fields (from other data sources) to your Merchant Details page to include more fields for your risk analysis. Please consult your admin for more information on what could be valuable here.
3.5. Scoring Page(s)
Scoring Pages allow you to review all of the risk flags that are grouped into each of your pages. Scoring Pages can be grouped to reflect the preferences of your risk team. We recommend the following page breakdown and the below groups are included in the Standard Scorecard Setup.
Owner & Business Risk
Web Crawl Risk
Processing Profile Risk
3.5.1. Scoring Page Risk Summary
The Scoring Page Risk Summary includes a count of the active flags on the page, the overall page score and status, and a list of the flagged rules in the summary. In this example, there is no Page Score because it is a ‘Flag Only’ (unweighted) Scoring Page.
3.5.2. Scoring Page Rules
Scoring Page Rules are listed below the Summary. All scoring rules are available for review, regardless of if there is an Active Flag, or not.
126.96.36.199. View Details
For more information into the number appearing in the “Score” box, click on ‘View Details’, and you will be able to see additional information about a specific Scoring Rule.
188.8.131.52. View Details Input and Output Data
In the View Details expanded scoring rule card available on many scoring rules, you can toggle between the Input Fields and Output Fields, to view the data sent to and received back from the third party web service. For any questions regarding these responses, first ask your company administrator. We then recommend, to connect with the third party credit service to ensure you are interpreting the data they send back as they had intended you to understand it. Do note, AEX does not control the responses from third parties, and as such, we may need to consult with the third party to troubleshoot these messages for you.
184.108.40.206. Rerun Web Services
If there was an error with the integration or the merchant provided data, you can edit the data in the Input Fields view, and then Rerun the scoring rule. There is often a cost associated with rerunning scoring rules (refer to your AEx Sales Order). In order to rerun an integration you must be a member of the Underwriting Department in your company - speak to your company administrator who is able to manage teams.
3.5.3. Underwriter Rule Recommendations
Your Company Administrator may have configured custom Underwriter Recommendations for specific results in each scoring rule. These will display in certain active flag scenarios. For more information on custom configurations of these recommendations, please reach out to your company administrator.
3.6. Scorecard Action Menu
The Action Menu is the primary hub for taking actions on a Scorecard. You will always have access to the Action Menu by clicking the floating icon on the right side of your screen:
3.6.1. Action Menu: Scorecard Overview
3.6.2. Action Menu: Risk Flag Resolution
In the Flags tab of the Action Menu, the risk officer is able to resolve active risk flags. Resolving a flag will not impact the overall score, but it will remove that flagged item from the active flag summaries on the Overall Page and the Scoring Page. The color of resolved risk flags will be updated to GREEN, but you will still be able to identify the original flag type for audit purposes.
220.127.116.11. Resolving Active Flags
Note: Flags must all be resolved in order to complete the scorecard! Though not all flags impact your scoring, they are configured for a reason and do require your manual review and decision in order to proceed. You can resolve active flags by selecting ‘Resolve’ in the dropdown for that particular flag card in the action menu.
After clicking CONFIRM, you will receive a confirmation prompt, which includes a list of all rules you are about to resolve:
18.104.22.168. Resolved Flag Display
After resolving flags, the Scoring Rules will be updated to a new GREEN color indicator.
3.6.3. Action Menu: Attachments
You can access Scorecard Attachments, in the third tab of the Action Menu. Scoring Attachments can include collateral returned by third party web services, such as the KYC Sitescan PDF Report. The attachments can also include Merchant Agreements, and other merchant-provided documents. You can upload additional attachments by clicking on the upload button.
3.6.4. Action Menu: Monitoring Integrations
Video Link (password = aex)
The Integration Monitor can be used to track the completion status of third party web service integrations. If you open a Scorecard and the integrations are not yet completed, you will not be able to make a decision and you will see an indicator that there are still integrations running. In this scenario, you can begin reviewing the merchant details until the integrations are completed and the Scorecard Flags/Scores automatically refresh. There is an option to override this function and make a decision without waiting for the integrations to be completed. You should consult with your risk manager before using this feature.
3.6.5. Action Menu: Audit Logs
This feature provides you ability to track actions performed by an underwriter when reviewing and decisioning a Scorecard in Agreement Express. Previously, there was no way to review the detailed audit events that were performed. To access the ScanX Audit Log, open the ScanX Action Menu and click on the Audit Log icon:
The ScanX Audit Log will open in a new drawer at the bottom of the Scorecard:
The following events are logged in the ScanX Audit Log:
Scoring Rule Rerun
Field Data Changed by Underwriter (Including Before/After Value)
3.7. Comments (again)
Though discussed above, you can now see why the comments feature may be of use! When you make a decision to approve, pend, or decline a Risk Scorecard. It is recommended that you use the Comments functionality to explain your decision. The comments are available for audit and compliance purposes, and log the date and author of each entry.
Adapt & Maintain Your Risk Model(s)
Merchant ScanXpress provides your risk team with the ability to quickly adjust your automated risk model to align with your changing risk guidelines and compliance policies. This section provides an introduction to how you leverage reporting data to ensure that your configuration is always meeting your underwriting and compliance needs.
If there is a need for an agreement‘s data and/or documents to be posted back to a specific location a postback can be configured based on a URL from the company. When this function is enabled, every time an agreement is completed, the data from the transaction/scorecard is posted as a parameterized post with all form data delivered in a field called inputFormData as a set of key value pairs.
5.1. Postback Types
There are two different Postback options that AEX offers. The first option is a Standard Postback which can be formatted as either an XML or JSON and only requires an endpoint URL to be directed to. The second option is the SalesForce Postback which requires an account with permissions to read/write objects used in the Postback, username, password, security token, and URL (if login is through portal rather than API).
Note: Standard Postback can be auto-updated while the SalesForce Postback requires internal configuration on AEX’s part.
5.2. What Can Be Posted?
Data being posted back will vary based on each client. AEX has compiled a list of all fields associated with the ScanX Scorecard that can be sent if desired. Click here to preview the list.
Note: Additional fields can be added to the list but will need to be collected prior to the Go-Live date to ensure the Postback is successfully sent all the data to the URL provided.