Consequently, we continually adapt and improve our technology, sometimes on a daily basis, to develop new ways to identify and mitigate their new tactics. We stay abreast of new fraud tactics through industry organizations, law enforcement, industry fraud investigators and fraud and security technology companies, and we use all the tools and technologies at our disposal to better understand fraudster behavior and identify how and where they might strike next.

CSO: How important are your relationships with law enforcement?

Andews: If someone is a victim of fraud--counterfeit checks, forgery, identity theft--who do they call? They might call their bank or credit card company, but they also call law enforcement. And if they're going to make a case, law agencies know to notify us so they can subpoena evidence. If it goes the other way, where we detect fraud, we need to know who to call--who has the right venue and the right jurisdiction. It's important that we understand how we can quickly work through the process and get law-enforcement agents the information they need to get the fraudster stopped or identified.

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We develop and maintain relationships with every law-enforcement agency and division in this country, from Interpol down. And what we do affects everybody financially, even people who are not part of our portfolio. The same fraudsters could be operating across multiple stores and institutions, so it's important for us to be able to contact any field office in the United States to immediately begin working on a case.