Donna R Turner

US Patent:

8412605, Apr 2, 2013

Filed:

Oct 29, 2010

Appl. No.:

12/916234

Inventors:

Maura Louise Griffin - Atlanta GA, US
Mary Palmer Harman - Darien CT, US
Teresa Hegdahl Stigler - San Francisco CA, US
David G. Turner - Wilmington DE, US
Donna Dee Turner - Huntersville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00
G06Q 20/00
G05B 19/00

US Classification:

705 35, 705 44, 705 76, 340 581

Abstract:

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for monitoring financial institution data from a plurality of financial institutions, including transactional data associated with multiple products and channels, to identify suspicious activity potentially associated with identity theft incidents and, in specific embodiments, communicate suspicious activity and/or identity theft alerts and/or reports in response to identifying the suspicious activities and/or confirming an identity theft incident associated with the suspicious activity. In further embodiments, the monitored financial institution may include one or more, and in some embodiments all of, account data, asset data, liability data, negative file data, customer data, device data, credit data, or biometric data. In addition, in certain embodiments, the monitored data may include non-financial institution data.

US Patent:

8504456, Aug 6, 2013

Filed:

Oct 29, 2010

Appl. No.:

12/916226

Inventors:

Maura Louise Griffin - Atlanta GA, US
Mary Palmer Harman - Darien CT, US
Teresa Hegdahl Stigler - San Francisco CA, US
David G. Turner - Wilmington DE, US
Donna Dee Turner - Huntersville NC, US

Assignee:

Bank of America Corporation - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provides for determining one or more activity baseline scores, each score associated with one or more activities and based at least in part on financial institution data from multiple financial institutions. The activity baseline score defines a normal risk or baseline activity for a customer, a customer segment or customer population. Further, the invention provides for monitoring at least the financial institution data to determine deviations from the activity baseline score(s) and generating and initiating communication of risk score alerts and/or activity baseline deviation alerts based on predetermined activity baseline deviations. Additional embodiments provide for determining a risk score based on risk patterns associated with financial institution data and, in some embodiments, non-financial institution data.

US Patent:

20110131130, Jun 2, 2011

Filed:

Oct 29, 2010

Appl. No.:

12/916220

Inventors:

Maura Louise Griffin - Atlanta GA, US
Mary Palmer Harman - Darien CT, US
Teresa Hegdahl Stigler - San Francisco CA, US
David G. Turner - Wilmington DE, US
Donna Dee Turner - Huntersville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and management. More specifically, embodiments of the present invention provide for a risk database that collects and/or receives transaction data. In other embodiments of the present invention, the risk database collects and/or receives asset data and liability data associated with multiple financial institutions. The data is accessed to monitor customers' risk and one or more risk management actions are initiated based on the monitored customer risk.

US Patent:

20110131131, Jun 2, 2011

Filed:

Oct 29, 2010

Appl. No.:

12/916228

Inventors:

Maura Louise Griffin - Atlanta GA, US
Mary Palmer Harman - Darien CT, US
Teresa Hegdahl Stigler - San Francisco CA, US
David G. Turner - Wilmington DE, US
Donna Dee Turner - Huntersville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 38

Abstract:

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and mitigation. More specifically, embodiments of the present invention provide for determining risk patterns and, in particular embodiments, emerging risk patterns associated with emerging risk, based on a combination of, or in some embodiments all, financial institution data from multiple financial institutions, data aggregator data, non-financial institution data, negative activity data and/or risk deviation data. As a result of the determination of risk patterns, risk pattern alerts may be communicated to designated recipients for the purpose of managing the risk. In additional embodiments, a health risk indicator is determined that indicates the current condition of risk for a customer, a company, an industry or industry segment.

US Patent:

20120109802, May 3, 2012

Filed:

Feb 28, 2011

Appl. No.:

13/036926

Inventors:

Maura Louise Griffin - Atlanta GA, US
Mary Palmer Harman - Darien CT, US
Robert Shiflet - Kennett Square PA, US
Teresa Hegdahl Stigler - San Francisco CA, US
Donna Dee Turner - Huntersville NC, US

Assignee:

BANK OF AMERICA CORPORATION - Charlotte NC

International Classification:

G06Q 40/00

US Classification:

705 35

Abstract:

Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for identity verification based, at least in part, on comparing transaction data received from multiple financial institutions to data associated with a current financial transactions, such as type of transaction, transaction amount or the like. The transaction data provides for basing identity verification on how a customer, a counterparty or both previously transacted, in that transaction patterns can be identified to understanding who the transacting customer or counterparty is. In additional embodiments the identity verification may be based, at least in part on other data, such as financial institution relationship data, non-financial institution transaction and/or relationship data, customer/counterparty data or the like.