Andre Edelbrock is president and CEO of Ethoca. Headquartered in Dublin, with offices in Toronto, Ethoca enables businesses operating in any “customer-not-present” environment (i.e., business by Internet, phone, fax or mail) to make informed decisions about their customers through sharing data in a way that is efficient, effective and ethical. Businesses submit transaction data to Ethoca and in return receive summary history and analysis based on the collective data of Ethoca’s clients. The data received can then be used to gauge the fraud risk associated with any given transaction. Ethoca’s clients increase profits by finding the optimal balance between allowed transactions and fraud-risk levels and fraud-management costs. Ethoca’s use of independent third-party business process and data integrity audits ensures that the privacy and security of data are maintained. For more information about Ethoca visit www.ethoca.com.