Benchmark Application Decisioning and Underwriting Controls

The Card Credit Operations Roundtable brings together executives overseeing application intake, underwriting, fraud prevention, and policy execution within credit card portfolios. The group explores how financial institutions manage front-end credit decisions, digital communication, staffing models, and regulatory expectations in a rapidly evolving environment.

As institutions navigate risk-based pricing, staffing capacity, automation, and fraud mitigation, credit ops leaders must stay in sync with peer strategies. This roundtable delivers that visibility—offering a confidential space to explore vendor use, system workflows, and policy differentiation across institutions.

Membership includes: Executive Meetings (in-person and virtual) focused on emerging fraud threats, Fair Lending concerns, and manual vs. systemic decision strategy; Custom Surveys exploring topics like QA review methods, pre-qualification practices, and use of ITINs; and Quarterly Benchmarking on metrics including decision rates, approval/decline ratios, fraud review rates, queue times, and end-to-end cycle speed.

Benchmarking data is delivered through the VIZOR platform, offering anonymized peer comparisons across underwriting cycle times, fraud triggers, manual workload levels, and post-chargeoff account recovery. These metrics help members refine rules, evaluate technology performance, and monitor operational risk.

Who Should Join?

Executives managing credit operations, card underwriting, or fraud decisioning—such as VPs of Credit Ops, Underwriting Directors, and leaders in credit policy execution.

Why It Matters:

Credit operations sit at the intersection of growth, fraud, compliance, and customer experience. The Card Credit Operations Roundtable gives you the real-world benchmarks and peer insights to make smarter, faster, and safer decisions.

Hot Topics:

• Fraudulent Application Trends: Analyze emerging trends and discuss tools/vendors employ to mitigate losses
• Digital Communication: How FIs handle customer communication after initial application has been received
• Regulatory Environment: Regulatory matters such as Fair Lending, FCRA, and telephonic consent
• Policy and Operational Issues: Resolving issues such as duplicate application processing, credit line shifts and underwriting staff capacity planning