MAP/MOP Enhancements in the Works

This recipe will outline new features and enhancements we are working on for the Membership Application Process (MAP) and Membership Opening Process (MOP) online tools.

eSigning for MOP Membership Forms (coming soon!)

You asked for it, and soon we’ll be adding eSign capabilities to the online membership opening process.  Currently you can include forms you’ve created via the Request Center, but those forms do not auto-fill nor do they allow e-signatures, and they are not archived to your vault like other CU*BASE forms.  With this enhancement you’ll be able to request forms that can pull data entered by the applicant during the MAP/MOP process and place that data onto the form then collect an e-signature from the applicant as part of the normal MAP/MOP flow.  The finished form will be archived to your credit union’s vault.

Even better…MOP will use the new eSigning experience being introduced by eDOC and CU*Answers Imaging Solutions this spring.  This new experience greatly simplifies the process, taking advantage of familiar techniques for pan and zoom to make documents easier to review, even when signing on a phone, and reducing the number of steps needed to sign and download documents electronically.

NOTE: This will require you to work with eDOC to program a new form, even if you use a similar form today in CU*BASE, because this form needs to interact direct with the MAP/MOP programs.

Status: Release is tentatively targeted for May/June 2020.  Watch for more information with the 20.07 release announcements.

Support for Joint Applicants via MOP

With this project we’ll be enhancing MOP to allow joint applicants to be submitted and processed through MOP, allowing for the new membership to be opened once verification of joint applicant information has been completed. Currently joint applicants are only allowed through MAP submissions so that accounts must be worked by the credit union in CU*BASE.

Status:  Projects #47484 and #51914 are in development.  No target date has been determined.

Reducing Fraudulent Apps via MOP

As everyone knows, an online application is a tempting target for identity thieves and other bad actors, which is why credit unions perform risk assessments and set policies for how they’ll manage the risk associated with their online retailing sites, including MAP/MOP.  While most CUs with a MOP site have certainly encountered a handful of sketchy apps by now, during February 2020 we saw a batch of increased activity around MOP that demonstrates how MOP and identity thieves are starting to intersect more than ever.
Read a summary of the February 2020 events and our tips for CUs
Join us for a webinar to learn more about new member verification via MOP

Since the identities being used to open memberships were in fact real people, there was nothing that the software was doing incorrectly. People were being approved based on answering questions correctly; it just wasn’t that person who was actually doing the applying.

In response, in addition to encouraging CUs to review their own procedures and risk assessments related to their MOP sites, our teams are also launching some research and considering some potential development projects:

  • Looking into creating a new set of reasonableness tests, designed to block new memberships based on data that signals you don’t want an applicant to be automatically approved (such as state, ZIP code, IP address, etc.), or based on an out-of-the-ordinary rise in activity on the site (compared to memberships processed in the last hour, day, month, etc.), to slow the roll of the automated process.
  • Reviewing live-person testing tactics from Google.
  • Reviewing tech that could validate uploaded ID documents, as well as live-person testing solutions from vendors like Mitek and ID-Pal.
  • Reviewing making the MOP on/off switch available to CUs, so if you detect a spike in seemingly fraudulent activity you can flip the switch yourself without having to call us.
  • Considering a configuration that could temporarily block certain online/mobile features for a period of time after a new membership is opened, while you get to know and develop a track record with your new member.

In the long run we foresee that MAP/MOP will add several new elective services to this process, optional add-ons you can activate or not according to your risk tolerance and budget.  The goal is to let CUs append our software with additional technical solutions as well as things like validation services from AuditLink, so you can continue to evolve your online approaches with an eye towards both convenience and security.

What else? If you have other ideas, let us know!

March 31, 2020

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