Risk Assessment
Fraud Risk Score
68/100
Fraud Probability
71.0%
Recommended Action
Step-up Authentication
AI-Generated Insight
This transaction requires step-up authentication due to several concerning factors. While the amount ($1,850) is only moderately above average, this is the customer's first international transaction, happening from a country flagged for higher fraud rates. The device partially matches (67%) but shows different browser characteristics. The merchant category (luxury goods) is new for this customer. Given the international nature and partial device mismatch, recommend requiring additional authentication (SMS code, biometric) before approving.
Key Fraud Indicators (SHAP Analysis)
Geolocation Anomaly
SHAP: +0.24Strong increase in fraud probability
First international transaction (Romania)
Device Fingerprint Match
SHAP: +0.16Moderate increase in fraud probability
Partial match (67%) - different browser
Merchant Category
SHAP: +0.12Moderate increase in fraud probability
New category (Luxury Goods)
Transaction Amount
SHAP: +0.08Slight increase in fraud probability
1.8x above average spend
Transaction Details
- Merchant
- Europa Luxury Boutique
- Category
- Luxury Goods
- Amount
- $1,850
- Customer ID
- CUST-991204
- Card
- •••• 5566
- Location
- Bucharest, Romania
Analysis Model
XGBoost Classifier
Ensemble Method