{
  "version": "1.0.0",
  "training_date": "2026-05-28T08:07:52.846392Z",
  "models": {
    "transaction_fraud": {
      "version": "1.0.0",
      "artifact": "model_artifacts\\transaction_fraud_xgb.json",
      "feature_columns": [
        "amount",
        "hour_of_day",
        "transaction_velocity_1h",
        "amount_vs_avg_ratio",
        "distance_from_home_km",
        "failed_attempts_before",
        "account_age_days",
        "is_international",
        "is_new_device",
        "merchant_category__electronics",
        "merchant_category__grocery",
        "merchant_category__wire_transfer",
        "merchant_category__restaurant",
        "merchant_category__travel"
      ],
      "baseline": {
        "amount": {
          "mean": 887.6040559999999,
          "std": 3199.307282094467,
          "p01": 17.9295,
          "p99": 19505.9689
        },
        "hour_of_day": {
          "mean": 11.7762,
          "std": 5.992588218791609,
          "p01": 0.0,
          "p99": 23.0
        },
        "transaction_velocity_1h": {
          "mean": 1.9173,
          "std": 2.174134473761915,
          "p01": 0.0,
          "p99": 11.0
        },
        "amount_vs_avg_ratio": {
          "mean": 1.4274057999999998,
          "std": 1.089490005060331,
          "p01": 0.2,
          "p99": 5.98402
        },
        "distance_from_home_km": {
          "mean": 120.095219,
          "std": 208.30693849963816,
          "p01": 8.2498,
          "p99": 1087.4066000000007
        },
        "failed_attempts_before": {
          "mean": 0.2171,
          "std": 0.616739483088281,
          "p01": 0.0,
          "p99": 3.0
        },
        "account_age_days": {
          "mean": 1704.8177,
          "std": 1111.450768170462,
          "p01": 5.0,
          "p99": 3609.0
        }
      },
      "metrics": {
        "recall": 1.0,
        "precision": 1.0,
        "auc_pr": 1.0,
        "avg_inference_ms": 9.958
      },
      "trained_at": "2026-05-28T08:07:55.604751Z"
    },
    "credit_risk": {
      "version": "1.0.0",
      "artifact": "model_artifacts\\credit_risk_lgbm.txt",
      "feature_columns": [
        "credit_score",
        "debt_to_income_ratio",
        "employment_months",
        "num_open_accounts",
        "payment_history_missed",
        "loan_amount",
        "revolving_utilization",
        "recent_hard_inquiries",
        "collateral_value",
        "loan_purpose__mortgage",
        "loan_purpose__personal",
        "loan_purpose__auto",
        "loan_purpose__consolidation",
        "loan_purpose__business"
      ],
      "metrics": {
        "auc_roc": 1.0,
        "recall": 1.0,
        "precision": 1.0
      }
    },
    "kyc_identity": {
      "version": "1.0.0",
      "artifact": "model_artifacts\\kyc_isolation_forest.pkl",
      "feature_columns": [
        "id_document_age_days",
        "address_match_score",
        "name_vs_id_match_score",
        "selfie_liveness_score",
        "num_accounts_same_address",
        "phone_age_days",
        "email_domain_risk",
        "ip_country_vs_id_country_match",
        "velocity_applications_7d"
      ],
      "metrics": {
        "anomaly_recall": 1.0,
        "false_positive_rate": 0.0011
      }
    },
    "sanctions_pep": {
      "version": "1.0.0",
      "artifact": "data\\sanctions_pep_list.csv",
      "metrics": {
        "hit_rate": 1.0
      }
    },
    "risk_consultant": {
      "version": "1.0.0",
      "artifact": "env:LLM_API_KEY or static FAQ fallback",
      "metrics": {
        "source": "llm_or_static_faq"
      }
    }
  }
}