Risk Assessment
Fraud Risk Score
52/100
Fraud Probability
54.0%
Recommended Action
Passive Monitoring
AI-Generated Insight
This transaction shows moderate risk indicators worth monitoring. The amount ($850) is about 2x the customer's average, which alone isn't alarming, but it's happening at an unusual time (3:47 AM local time). The merchant category (Online Gaming) is new for this customer, and there have been 3 transactions in the past hour. The device matches previous sessions, which is positive. Recommend passive monitoring rather than blocking—likely legitimate but warrants observation for pattern development.
Key Fraud Indicators (SHAP Analysis)
Transaction Velocity
SHAP: +0.18Moderate increase in fraud probability
3 transactions in past hour
Transaction Amount
SHAP: +0.12Slight increase in fraud probability
2.1x above customer average
Merchant Category
SHAP: +0.09Slight increase in fraud probability
First transaction in this category
Device Fingerprint Match
SHAP: -0.14Moderate decrease in fraud probability
Known device with 98% match
Transaction Details
- Merchant
- GameWorld Premium
- Category
- Online Gaming
- Amount
- $850
- Customer ID
- CUST-772401
- Card
- •••• 3344
- Location
- Los Angeles, CA
Analysis Model
XGBoost Classifier
Ensemble Method