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WTS has developed it's own proprietary fraud control system called T.O.A.S.T. (Total Online Acceptance Scoring Test).
It utilizes ABA to Account algorithm testing, account number verification, various databases/processes to authenticate consumers
(including out of wallet questions) and makes use of the largest negative and positive databases in the industry.
Our first priority is to reduce fraud by validating the consumer and verifying the account information without losing throughput!
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