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As the card manager overseeing 25,000 debit cardholders, Sharon Powers used to dread

Monday mornings.

"Every Monday I had to deal with fraud issues that had occurred over the weekend when

the bank was closed," said Powers, Vice President and Bank Manager of River Valley

Bank in Wisconsin. "It was frustrating to have to spend so much time dealing with fraud

and discouraging to see how much money the bank was losing because of unscrupulous

transactions."

River Valley Bank was writing off $40,000 to $50,000 a year in fraud, and as the debit

card program grew, so did the fraud.

"Even though our losses were minimal considering our asset size of $1 billion, we had

two full-time resources dedicated to managing fraud," said Powers.

A Vested Fraud Solution

River Valley Bank's debit card processor, Vantiv, presented a fraud solution that the bank

didn't have to think twice about before signing up. With round-the clock support, even on

weekends and holidays, Vantiv's OmniShield 360 relies on a neural network and real-

time decisioning to identify, track, and prevent fraud before it happens.

"Before OmniShield, we had to analyze the card data internally and try to identify fraud

trends, which we didn't do well, considering it wasn't our core expertise. With Vantiv we

no longer have to think about it."

Vantiv creates customized real-time authorization parameters based on the transaction

behavior of River Valley Bank’s cardholders, which reduces the bank’s fraud exposure

with minimal impact to legitimate cardholder purchases.

OmniShield® 360 Delivers

Peace of Mind When it Comes to Fraud

Protection

River Valley Bank was writing off $40,000 to $50,000 a year in fraud prior to deploying Omnishield 360.

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River Valley can also plan and better control fraud losses with the OmniShield circle of

protection. This unique service not only includes fraud monitoring and risk mitigation and

chargeback management, it provides financial protection against losses.

"Vantiv has a vested interest in minimizing our fraud losses," said Powers. "We view

OmniShield as an insurance policy. If we have a loss, instead of writing it off, we are

reimbursed for the loss by Vantiv."

She added, "I no longer react negatively when I see fraud alerts, because I know Vantiv

is taking care of it. There is a cost, which the benefits outweigh. It has been a worthy

investment. I have no clue how we would be able to manage our card program today

without OmniShield."

River Valley Bank is a family owned financial services company based in Wisconsin.

Since its beginning in 1967 with a single location in Rothschild, Wisconsin, the bank has

grown to 16 locations in North and Central Wisconsin and Michigan's Upper Peninsula

and has assets of $1 billion.

Visit www.vantiv.com for more information.

River Valley Bank, of Rothschild,

Wisconsin