IllustrationBuilt from our assumptions about a firm like yours — not from your data. 15 figures below are guesses, marked like this?. Correcting any of them rebuilds this view.
Fraud & AML — alert queue
Mid-sized UK fintech (stand-in) · 2026-03-04 · queue worked 08:00–20:00?
6? analysts on shift
at 45 alerts/analyst/day
Alerts today
412?
Generated across all rule families
Review capacity
270
Analysts × sustainable throughput
Nobody reaches
142
Every day, at 65.5% capacity
Genuine fraud unreviewed
17
Real cases in the pile nobody opens
Backlog after one week
710
Five working days at this rate
What this queue is telling us
- The queue cannot be cleared. At 412 alerts against 270 of capacity, 142 go unworked every day and the pile grows without bound. Roughly 17 of them are genuine fraud.
- Overnight has no cover. 77 alerts arrive outside 08:00–20:00 and are already waiting when the shift starts — so the 03:00 payment is triaged at 08:00 at the earliest.
- Precision is the real cost driver. Blended precision is 11.0%, so analysts spend most of the day dismissing. Tightening the worst rule family buys more capacity than hiring.
If any of this is wrong, that is the point — say so and it rebuilds. Nothing here has been built yet.
Queue
Showing 40 of 412 · overnight arrivals first| Time | Alert | Rule | Typology | Amount | Customer | Signal | Score | Status |
|---|---|---|---|---|---|---|---|---|
| 05:04· | A-20260304-0165 | FP-MULE-08 | MULE-IN | £4,658 | C-557717 | — | 0.83 | Dismissed |
| 05:14· | A-20260304-0264 | FP-ATO-09 | ATO | £2,116 | C-730996 | — | 0.66 | Dismissed |
| 05:18· | A-20260304-0001 | FP-IMP-06 | APP-IMP | £18,102 | C-617133 | — | 0.72 | Dismissed |
| 05:59· | A-20260304-0075 | FP-PURCH-06 | APP-PURCH | £170 | C-117700 | new payee (83m) | 0.51 | Dismissed |
| 05:59· | A-20260304-0322 | FP-CNP-08 | CNP | £56 | C-656978 | — | 0.91 | Dismissed |
| 06:06· | A-20260304-0380 | FP-INV-02 | INV-SCAM | £5,765 | C-366538 | — | 0.79 | Dismissed |
| 06:09· | A-20260304-0076 | FP-PURCH-01 | APP-PURCH | £392 | C-552130 | new payee (63m) | 0.66 | Dismissed |
| 06:11· | A-20260304-0265 | FP-ATO-08 | ATO | £4,495 | C-624628 | — | 0.94 | Dismissed |
| 06:14· | A-20260304-0167 | FP-MULE-06 | MULE-IN | £9,825 | C-830945 | new payee (162m) | 0.96 | Dismissed |
| 06:17· | A-20260304-0002 | FP-IMP-08 | APP-IMP | £10,373 | C-761897 | — | 0.86 | Dismissed |
| 06:36· | A-20260304-0323 | FP-CNP-07 | CNP | £673 | C-951366 | — | 0.56 | Actioned |
| 06:38· | A-20260304-0166 | FP-MULE-03 | MULE-IN | £6,459 | C-854425 | new payee (14m) | 0.71 | Dismissed |
| 06:50· | A-20260304-0077 | FP-PURCH-03 | APP-PURCH | £137 | C-185336 | — | 0.83 | Dismissed |
| 07:03· | A-20260304-0325 | FP-CNP-09 | CNP | £653 | C-993200 | — | 0.54 | Dismissed |
| 07:10· | A-20260304-0079 | FP-PURCH-04 | APP-PURCH | £1,492 | C-115169 | — | 0.68 | Dismissed |
| 07:11· | A-20260304-0078 | FP-PURCH-02 | APP-PURCH | £1,280 | C-868784 | new payee (67m) | 0.96 | Dismissed |
| 07:17· | A-20260304-0170 | FP-MULE-09 | MULE-IN | £534 | C-898215 | new payee (98m) | 0.66 | Dismissed |
| 07:19· | A-20260304-0003 | FP-IMP-08 | APP-IMP | £5,625 | C-362576 | new payee (128m) | 0.74 | Dismissed |
| 07:20· | A-20260304-0080 | FP-PURCH-06 | APP-PURCH | £939 | C-442908 | — | 0.97 | Dismissed |
| 07:24· | A-20260304-0168 | FP-MULE-07 | MULE-IN | £8,543 | C-224220 | new payee (95m) | 0.98 | Dismissed |
| 07:36· | A-20260304-0267 | FP-ATO-05 | ATO | £2,939 | C-371466 | — | 0.87 | Dismissed |
| 07:38· | A-20260304-0381 | FP-INV-02 | INV-SCAM | £26,324 | C-489423 | — | 0.95 | Dismissed |
| 07:42· | A-20260304-0324 | FP-CNP-01 | CNP | £880 | C-370885 | — | 0.92 | Dismissed |
| 07:48· | A-20260304-0169 | FP-MULE-01 | MULE-IN | £2,653 | C-322977 | new payee (44m) | 0.91 | Dismissed |
| 07:49· | A-20260304-0266 | FP-ATO-08 | ATO | £2,539 | C-517582 | — | 0.77 | Dismissed |
| 07:53· | A-20260304-0004 | FP-IMP-05 | APP-IMP | £14,134 | C-235999 | new payee (80m) | 0.87 | Dismissed |
| 20:02· | A-20260304-0254 | FP-MULE-01 | MULE-IN | £6,614 | C-399739 | — | 0.68 | Actioned |
| 20:02· | A-20260304-0316 | FP-ATO-09 | ATO | £2,315 | C-743234 | — | 0.58 | Dismissed |
| 20:10· | A-20260304-0375 | FP-CNP-02 | CNP | £817 | C-337909 | new payee (236m) | 0.96 | Dismissed |
| 20:13· | A-20260304-0252 | FP-MULE-09 | MULE-IN | £3,147 | C-238067 | — | 0.57 | Dismissed |
| 20:19· | A-20260304-0069 | FP-IMP-01 | APP-IMP | £24,431 | C-835668 | — | 0.55 | Actioned |
| 20:23· | A-20260304-0255 | FP-MULE-01 | MULE-IN | £7,778 | C-889386 | — | 0.99 | Dismissed |
| 20:26· | A-20260304-0155 | FP-PURCH-01 | APP-PURCH | £1,121 | C-780741 | — | 0.65 | Dismissed |
| 20:26· | A-20260304-0376 | FP-CNP-05 | CNP | £262 | C-185345 | new payee (52m) | 0.86 | Dismissed |
| 20:30· | A-20260304-0157 | FP-PURCH-08 | APP-PURCH | £169 | C-804772 | — | 0.90 | Actioned |
| 20:35· | A-20260304-0410 | FP-INV-08 | INV-SCAM | £47,784 | C-706214 | — | 0.91 | Dismissed |
| 20:38· | A-20260304-0066 | FP-IMP-07 | APP-IMP | £11,464 | C-132453 | new payee (2m) | 0.67 | Dismissed |
| 20:38· | A-20260304-0317 | FP-ATO-08 | ATO | £5,041 | C-932536 | — | 0.66 | Dismissed |
| 20:39· | A-20260304-0318 | FP-ATO-05 | ATO | £1,620 | C-215561 | — | 0.58 | Dismissed |
| 20:40· | A-20260304-0253 | FP-MULE-03 | MULE-IN | £8,498 | C-860416 | — | 0.67 | Dismissed |
· arrived outside 08:00–20:00 and waited for the shift.
What we guessed (15) — please correct us
- Alerts per day — 412
- Assumed daily alert volume. This is the single number most worth correcting first.
- Analysts on shift — 6
- Assumed fraud analysts working the queue per day.
- Hours the queue is worked — 08:00–20:00
- Assumed the queue is worked 08:00–20:00. Alerts arriving overnight wait until 08:00 — if you run 24/7, say so.
- APP-IMP — share of volume — 18.0%
- Assumed share of your alert volume. Firms with older customer books usually see more.
- APP-PURCH — share of volume — 22.0%
- Assumed share. Driven by marketplace and social-media exposure in your customer base.
- MULE-IN — share of volume — 24.0%
- Assumed share. The largest single driver of AML alert load at most UK fintechs.
- ATO — share of volume — 14.0%
- Assumed share. Rises with weak step-up authentication.
- CNP — share of volume — 14.0%
- Assumed share. Only applies if you issue cards — tell us if you do not.
- INV-SCAM — share of volume — 8.0%
- Assumed share. Low count, highest per-case loss and highest reputational exposure.
- APP-IMP — precision — 11.0%
- Assumed 11% of these alerts are genuine fraud. Your real rate may differ sharply.
- APP-PURCH — precision — 7.0%
- Assumed 7% precision — high volume, low value, hard to separate from genuine spend.
- MULE-IN — precision — 5.0%
- Assumed 5% precision. Industry AML monitoring commonly runs lower still.
- ATO — precision — 18.0%
- Assumed 18% precision — device and behavioural signals make these comparatively clean.
- CNP — precision — 22.0%
- Assumed 22% precision — the cleanest rule family, scheme data helps.
- INV-SCAM — precision — 9.0%
- Assumed 9% precision. Long grooming periods make these hard to catch on one payment.
One figure we did not guess: 45 alerts per analyst per day is typical across UK fraud operations, so it is the one number here we would defend without asking you.