|Applies To||RSA Product Set: Adaptive Authentication (Hosted)|
|Issue||A customer may ask about the "silent 'mode" or "silent period" for a newly launched FI.|
|Resolution||Silent Mode |
New financial institutions (FIs) implementing Adaptive Authentication are strongly suggested to have a learning period in which the risk engine and risk model are running in the background and trained over the customer’s real transactional data.
Ideally, the risk engine would run in learning mode for a period of three months, but the length can vary from one customer to the other based on the overall volumes and fraud markings.
There is an impact of immediately launching the FI without a silent period by starting collection and authentication rules immediately after FI creation.
This exposes the risk engine to the active FI environment without the proper learning period, and this will have a great effect on the fraud detection rates and score distribution.
It is again strongly suggested to allow the risk engine to gather sufficient information for the training and statistical analysis then the risk engine can be moved to active mode. In this stage the risk score that is returned to the customer can be used to define score based policy rules.