Risk Assessment
Fraud Risk Score
87/100
Fraud Probability
89.0%
Recommended Action
Block Transaction
AI-Generated Insight
This transaction looks highly risky because the amount ($4,250) is 8.3x higher than the customer's typical transaction size. Additionally, the device fingerprint doesn't match any previously used devices, and the transaction originated from a geolocation 2,400 miles away from the customer's normal area—all within 12 minutes of their last legitimate purchase. The combination of unusual amount, new device, and impossible travel velocity strongly suggests account takeover fraud.
Key Fraud Indicators (SHAP Analysis)
Transaction Amount
SHAP: +0.34Strong increase in fraud probability
Amount 8.3x above customer average
Device Fingerprint Match
SHAP: +0.28Strong increase in fraud probability
Completely new device (0% match)
Transaction Velocity
SHAP: +0.19Moderate increase in fraud probability
Impossible travel: 2,400 miles in 12 minutes
Geolocation Anomaly
SHAP: +0.08Slight increase in fraud probability
Location outside normal geographic radius
Transaction Details
- Merchant
- Electronics Outlet
- Category
- Electronics
- Amount
- $4,250
- Customer ID
- CUST-449012
- Card
- •••• 8921
- Location
- Miami, FL
Analysis Model
XGBoost Classifier
Ensemble Method