The document discusses international risk and fraud management by Moneybookers. It provides an overview of Moneybookers, including its founding, ownership, employees, and services. It then discusses risks and common types of fraud in global online payments, including criminal fraud and "friendly" fraud. Finally, it outlines Moneybookers' fraud protection system, which uses automated and manual screening as well as a chargeback process to help merchants avoid fraudulent transactions and chargebacks.

1. International Risk and Fraud Management by Moneybookers

2. AGENDA 1 2 3 Quick introduction of Moneybookers Risk and fraud in global online payments 4 Most common fraud types Moneybookers’ fraud protection system ? Q & A

5. AGENDA 1 2 3 Quick introduction of Moneybookers Risk and fraud in global online payments 4 Most common fraud types Moneybookers’ fraud protection system ? Q & A

6. Worldwide eCommerce spending (US$bn) Global e-commerce revenues are still growing Source: JP Morgan, Forrester, US Dept of commerce

8. 2008 top IC3 complaint categories Auction fraud is the second most common complaint reason at the Internet Crime Complaint Center (IC3) Source: IC3

10. Perpetrators come mainly from the USA, United Kingdom and Nigeria Origin of perpetrators: Worldwide 66.1% 10.5% 7.5% Source : 2008 Internet Crime Report – IC3

11. Global risk and fraud: Threats by state Origin of perpetrators: United States Source : 2008 Internet Crime Report – IC3 15.8% 9.5% 9.4% 6.4%

12. AGENDA 1 2 3 Quick introduction of Moneybookers Risk and fraud in global online payments 4 Most common fraud types Moneybookers’ fraud protection system ? Q & A

15. AGENDA 1 2 3 Quick introduction of Moneybookers Risk and fraud in global online payments 4 Most common fraud types Moneybookers’ fraud protection system ? Q & A

16. The pre-transaction fraud prevention process features three different steps Automated Screening Manual Screening Accept payment Refuse payment 1 2 3 3

20. AGENDA 1 2 3 Quick introduction of Moneybookers Risk and fraud in global online payments 4 Most common fraud types Moneybookers’ fraud protection system ? Q & A

21. Markus Kroeger Managing Director Moneybookers USA, Inc. Mobile: +1 (347) 967 9222 [email_address] www.moneybookers.com .