presets/fintech_fraud.json

{
  "id": "fintech_fraud",
  "title": "FinTech Fraud & Autonomous AML Compliance (28 Fields)",
  "description": "Real-time multi-attribute financial fraud detection, sanctions verification, and autonomous containment decision.",
  "context": "TRANSACTION ALERT #TX-98421\nTimestamp: 2026-09-15 03:14:22 UTC\nCardholder: Sarah Jenkins (Account ID: US-99120)\nTransaction Amount: ,850.00 USD\nMerchant: CyberGold Crypto Exchange (Nicosia, Cyprus)\nCardholder Billing Address: Seattle, WA, USA\nDevice IP: 185.220.101.5 (Known Tor Exit Node, Frankfurt, Germany)\nDevice Fingerprint: Unrecognized Linux Firefox 128.0 (First seen 4 minutes ago)\nVelocity Check: 3 previous transactions attempted in past 10 minutes from Singapore (), London (), and Frankfurt (,850).\nCardholder Typical Activity: Average monthly spend ,200. No prior cryptocurrency, wire transfer, or foreign cross-border transactions recorded in 3 years.\nCurrent Account Balance: ,200.00 USD.\nTwo-Factor Authentication: SMS 2FA prompt bypassed via Session Hijacking / Cookie Injection anomaly.",
  "schema": {
    "is_fraudulent": {
      "type": "boolean",
      "description": "Whether transaction is fraudulent"
    },
    "risk_tier": {
      "type": "enum",
      "description": "Calculated risk tier",
      "choices": [
        "LOW",
        "MEDIUM",
        "HIGH",
        "CRITICAL"
      ]
    },
    "recommended_action": {
      "type": "enum",
      "description": "Immediate mitigation action",
      "choices": [
        "APPROVE",
        "CHALLENGE_2FA",
        "MANUAL_REVIEW",
        "BLOCK_TRANSACTION",
        "FREEZE_ACCOUNT"
      ]
    },
    "primary_anomaly": {
      "type": "enum",
      "description": "Predominant anomaly",
      "choices": [
        "IP_GEOLOCATION_MISMATCH",
        "UNUSUAL_VELOCITY",
        "HIGH_VALUE_TRANSFER",
        "NEW_DEVICE",
        "TOR_EXIT_NODE"
      ]
    },
    "secondary_anomaly": {
      "type": "enum",
      "description": "Secondary anomaly indicator",
      "choices": [
        "RAPID_DESTINATION_CHANGE",
        "MULTIPLE_FAILED_LOGINS",
        "CARD_NOT_PRESENT",
        "NONE"
      ]
    },
    "requires_human_escalation": {
      "type": "boolean",
      "description": "Whether senior fraud analyst must review"
    },
    "can_auto_block": {
      "type": "boolean",
      "description": "Whether system should execute automated block"
    },
    "aml_sar_filing_required": {
      "type": "boolean",
      "description": "Whether FinCEN SAR report must be filed"
    },
    "fincen_flag_threshold": {
      "type": "boolean",
      "description": "Whether transfer amount exceeds AML reporting threshold"
    },
    "sanctions_screening_risk": {
      "type": "enum",
      "description": "OFAC sanctions risk",
      "choices": [
        "CLEARED",
        "POTENTIAL_MATCH",
        "HIGH_CONFIDENCE_MATCH"
      ]
    },
    "tor_exit_node_detected": {
      "type": "boolean",
      "description": "Whether connection originates from anonymizing proxy/Tor"
    },
    "device_fingerprint_mismatch": {
      "type": "boolean",
      "description": "Whether device hardware ID differs from cardholder device"
    },
    "velocity_score": {
      "type": "enum",
      "description": "Transaction frequency score",
      "choices": [
        "NORMAL",
        "ELEVATED",
        "EXTREME_BURST"
      ]
    },
    "block_card_immediately": {
      "type": "boolean",
      "description": "Whether payment card should be deactivated immediately"
    },
    "freeze_online_banking": {
      "type": "boolean",
      "description": "Whether web portal access should be restricted"
    },
    "notify_cardholder_sms": {
      "type": "boolean",
      "description": "Whether urgent SMS alert should be dispatched"
    },
    "notify_cardholder_email": {
      "type": "boolean",
      "description": "Whether notification email should be dispatched"
    },
    "requires_identity_verification": {
      "type": "boolean",
      "description": "Whether government ID biometric verification is required"
    },
    "merchant_category_risk": {
      "type": "enum",
      "description": "Merchant category code risk level",
      "choices": [
        "LOW",
        "MODERATE",
        "HIGH_RISK_CRYPTO",
        "RESTRICTED_GAMBLING"
      ]
    },
    "chargeback_probability": {
      "type": "enum",
      "description": "Probability of cardholder chargeback dispute",
      "choices": [
        "LOW",
        "MEDIUM",
        "VERY_HIGH"
      ]
    },
    "counterparty_jurisdiction_risk": {
      "type": "enum",
      "description": "Jurisdiction risk tier of destination merchant",
      "choices": [
        "TIER_1_LOW",
        "TIER_2_MODERATE",
        "TIER_3_HIGH",
        "SANCTIONED_ZONE"
      ]
    },
    "auto_reverse_transfer": {
      "type": "boolean",
      "description": "Whether clearing network should attempt immediate reversal"
    },
    "fraud_ring_association": {
      "type": "boolean",
      "description": "Whether signature matches known syndicate patterns"
    },
    "alert_clearing_house": {
      "type": "boolean",
      "description": "Whether inter-bank network should be warned"
    },
    "escalate_to_fiu": {
      "type": "boolean",
      "description": "Whether Financial Intelligence Unit should be notified"
    },
    "confidence_score_tier": {
      "type": "enum",
      "description": "Model decision confidence bucket",
      "choices": [
        "HIGH_CONFIDENCE_FRAUD",
        "LEANING_FRAUD",
        "BORDERLINE",
        "LEGITIMATE"
      ]
    },
    "loss_prevention_priority": {
      "type": "enum",
      "description": "Queue priority for asset recovery team",
      "choices": [
        "IMMEDIATE_P0",
        "STANDARD_QUEUE",
        "LOW_PRIORITY"
      ]
    },
    "account_takeover_suspected": {
      "type": "boolean",
      "description": "Whether cardholder credentials were compromised"
    }
  }
}