Cases
Where fraud rules, controls, and evidence had to stand up
Illustrative fraud and AML scenarios from regulated firms, where the cost of getting a detection rule wrong was high. Each shows where a rule had to be evidenced — not just explained — to a regulator, the Financial Ombudsman, or a court.
Fraud & AML
Defensible Fraud & APP-Scam Rules in Banking and Payments
Fraud and scam rules operated across banking and payment environments, where decisions had to be made quickly and at scale. With mandatory APP-fraud reimbursement, the question was no longer only whether a rule blocked the right payments, but whether each rule’s logic, thresholds, and rationale could be evidenced to a regulator or the Financial Ombudsman after the fact. Illustrative work focuses on documenting why each rule exists, recording its calibration, and making decision outcomes traceable. This turns a rule set into one that can be defended on the record rather than merely explained after the fact.
Fraud & AML
Fraud Rule Review and Calibration in a Banking Environment
Fraud rules were screening for suspicious behaviour across large volumes of transactions, but the basis for individual thresholds had drifted over time. The challenge was not only detection performance, but whether each decision could be understood, reviewed, and defended when a false positive harmed a genuine customer or a missed risk led to loss. Illustrative review work strengthens traceability around rule outputs and identifies where a control’s rationale must be documented. This reduces the chance of an indefensible decision in a high-scrutiny environment.
The same discipline has been applied to models, calculations, and automated decisions in other regulated settings — the wider record
Discuss a related situation
If your fraud and AML rules would face the same scrutiny, it is worth knowing where they stand
A short discussion is usually enough to determine whether the issue is one of rule design, control, evidence, or a combination of the three.
Unsure where your rules stand? Try the free fraud-rule check