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Change notes:
2021/08/19: Changed the description of the typology expression as the configuration “file” of the typology to the typology configuration.
2021/08/19: Added a requirement for interdiction out of the typology processor.
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Introduction
The foundation of the Actio Transaction Monitoring service is its ability to evaluate incoming transactions for financial crime risk through the execution of a number of conditional statements (rules) that are then combined into typologies that describe the nature of the financial crime that the system is trying to detect.
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For example: In the following rule outcome table for rule 003:
Sub-rule ref | Outcome | Typology Score Value |
003.00 | Payee account dormancy = FALSE | 0 |
003.01 | Payee account dormancy 3 = TRUE | 33 |
003.02 | Payee account dormancy 6 = TRUE | 67 |
003.03 | Payee account dormancy 12 = TRUE | 100 |
003.04 | Payee account dormancy = FALSE | 0 |
In other words, if there had been no transfer requests from or to the account in 211 days (i.e. 003.02 = TRUE), the contribution of this rule (003) to the typology score would be 67 (can we call them rule points?)
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IF(078.outcome THEN 078.score)
5.5.1. The Typology Configuration
The typology configuration contains two sections: the first (rules) defines all the rules and their outcomes, along with the weighted score attributed to each true or false outcome; the second (expression) defines the expression that combines the rule results into the typology score.
Example:
The archetypical scam typology (typology 28) contains 18 different rules that feed the typology. These rules are composed into the typology via the typology configuration as follows:
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{ "typology_name": "False promotions, phishing, or social engineering scams, such as fraudsters impersonating providers and advising customers they have won a prize in a promotion and to send money to the fraudster's number to claim the prize.", "id": "028@1.0.0", "cfg": "1.0.0", "rules": [ { "id": "003@1.1.0", "cfg": "1.1.0", "ref": ".01", "true": "100", "false": "0" }, { "id": "003@1.1.0", "cfg": "1.1.0", "ref": ".02", "true": "100", "false": "0" }, { "id": "003@1.1.0", "cfg": "1.1.0", "ref": ".03", "true": "100", "false": "0" }, { "id": "003@1.1.0", "cfg": "1.1.0", "ref": ".00", "true": "100", "false": "0" }, . . . { "id": "084@1.0.0", "cfg": "1.0.0", "ref": ".00", "true": "100", "false": "0" }, { "id": "084@1.0.0", "cfg": "1.0.0", "ref": ".01", "true": "100", "false": "0" } ], "expression": { "operator": "+", "terms": [ { "id": "003@1.1.0", "cfg": "1.1.0" }, . . . { "id": "084@1.0.0", "cfg": "1.0.0" } ] } } |
5.6. Calculate typology score
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Once calculation of the typology score is complete, the Typology Processor must pass the typology result, including the transaction information, Network Sub-map, typology results and rule results to the Channel Aggregation and Decisioning Processor.
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5.8 A note on typology interdiction
It makes sense for the typology processor to be able to interdict a transaction directly, if the threshold for interdiction has been met. This trigger was initially intended to be processed by the CADProc and may still be added to the CADProc for interdiction triggers over an aggregated assessment over a number of typologies, but it is more efficient to let a typology trigger its own interdiction immediately on a threshold breach.
For a given typology, a specific threshold value must be linked to the typology for the following workflow outcomes:
Interdiction: If a typology score is equal to or greater than this value, the Typology Processor will trigger an interdiction workflow to instruct the client system to block the transaction.
Review: If a typology score is equal to or greater than this value, the Typology Processor will trigger an alert to the Case Management System to initiate an investigation into the transaction.
None: If a typology score is less than the Review threshold, no triggered action is taken by the Typology Processor.
The threshold for interdiction and investigation will be defined in the typology configuration.