Neiman Marcus 2008 Annual Report Download - page 698

5. Customized Pay Review' authorization referral and on-line reporting process for check-paying customers over-paying their
last statement balance or for newer accounts paying before being billed.
6. Warning codes (housed on ARMB1) for Mr. and/or Mrs. Only, Credit Card Only or Check ID restrictions are prompted at
the POS for selling associates to confirm acceptance before proceeding with the sale.
7. Separation of open-to-buy' versus an open-to-buy, credit bureau exists' referral to advise Universal Agent of when an
existing credit bureau report (currently retained for 90 days) is still on file.
8. A specialized excessive amount approved' referral to automatically refer all customers who have had memo or same day
transactions approved totaling over [***] for manual review.
9. An irregular bureau' referral was developed for those bureaus that either have no risk score, limited trade-line data or special
considerations (i.e. mixed file possibility).
10. A zip code check' referral to compare the address on file to the newly pulled bureau address particularly on inactive
customers is done to ensure we have the correct billing address.
11. A time out' referral that coincides with FICO Search automatic move to our secondary bureau (CBI Equifax) should
TransUnion be down may occur if the delay is too significant. If so, this eliminates any transactions from being "hung" and
allows Central Credit to call for immediate problem resolution support.
12. FACT Act fraud detection custom authorization referrals to trigger those customers who are changing their billing address,
then ordering a credit card (and vice versa) in the designated period of time. In addition to referring the first purchase after
receiving the credit card, the credit card mail-out date may be delayed intentionally until such time that the customer receives
and can appropriate respond to an address change and credit card ordering confirmation letter.
13. FACT Act fraud detection custom authorization referrals to review address discrepancies (ADI) between the address on file
and the address on the bureau as well as HAWK or other fraud messages on the bureau.
14. Ability for Universal Agents to see dual referral reasons on all authorization referrals. Additionally, some referrals are
combined (i.e. HAWK, ADI or HAWK/ADI referrals) to display more than two reasons when pertinent.
15. Real-time daily sales tracking screen to view up-to-date sales and transaction counts across all stores. This helps in
forecasting scheduling needs, particularly on sale days, for the remainder of the day.
16. On-line total account relationship screen for high-balance customers being built to quickly decipher customer status and
indebtedness based on pertinent balance and payment information displayed. [June 2005]
17. Custom Reporting
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