Planner
A fraud score is worth what its alerts stop. Pick how fast a confirmed alert blocks the card and how much to review.
purchases · compromised cards · Nov–Dec 2010
Response speed
Net value at the same review budget and costs. Blocking sooner stops more of each run of fraud.
Fraud dollars stopped
Analyst workload
Customer friction
Savings
Operating costs
Budget needed to reach a target
Smallest review budget that stops the chosen share of fraud dollars
| Response speed | Budget | Net value | Apply |
|---|
What the score is
A boosted-tree model over 60 point-in-time variables: how much each card, merchant and pairing has spent, how often and how suddenly, over the last 0–30 days.
Why the block matters
Fraud comes in runs on a compromised card. A confirmed alert blocks the card and every later fraud on it is declined. That, not the flagged purchase, is where the value is.
Why the numbers hold
The model and cutoffs were chosen on Jan–Oct. Everything here replays Nov–Dec, which no choice touched. With 16 cards the range is wide; the report quantifies it.