Real-Time Fraud Agent
Scores in-flight transactions and applies policy-bound actions (step-up, block, authorize).
Sits on the authorization path and decides whether to approve, step-up, or block, balancing fraud loss against false declines of legitimate spend. Emits a plain-language rationale for every block, retained for audit.
Authority
Monitor and escalate
Team role
Provides specialist analysis
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Fraud Detection
Desk workflow
Real-time scoring with step-up or block in-flight, then customer contact. Dispute intake follows, through chargeback adjudication and recovery.
Collaboration
Works within a defined desk workflow
Decision boundary
Monitors the work and escalates conditions outside its limits.
Systems and capabilities involved
Authorization stream
Device + behavioral signals
Customer step-up (push/SMS)
Handoffs
What this role gives and receives
Capabilities offered
The handoffs name the next owner or specialist and the work that moves between them.
Handoff to
Context
What the role needs to do the work
- Current work
- The transaction + the cardholder's live session signals.
- Prior interactions
- The cardholder's spend pattern and prior fraud events.
- Policies and reference
- Current fraud typologies and scam scripts.
- Working method
- Not specified for this role.
Checks and boundaries
What must be tested or reviewed
- 01Continuous false-decline rate monitoring; over-blocking is a tracked harm.
- 02Champion/challenger on every model update; shadow-scored before promotion.
- 03Fairness checks across customer segments.
Human authority
Monitors the work and escalates conditions outside its limits.
Keep exploring