Risk Management

Risk Scoring

Score Range	Level	Action
0-30	LOW	APPROVE
31-70	MEDIUM	REVIEW
71-100	HIGH	DECLINE

Fraud Rules

• Transaction velocity (count/amount per time window)
• Large transaction detection (threshold-based)
• New beneficiary detection
• Geographic anomaly
• Device fingerprint mismatch
• Anomaly detection (ML-based, Phase 2)

Manual Review

Transactions scoring MEDIUM are held in review queue for RISK_ANALYST decision: APPROVE, REVIEW (extended), or DECLINE.