Fraud Detection

Referral Fraud Detection Skill

When to Use

• Designing safeguards for new referral initiatives.
• Investigating suspicious referral spikes, duplicate accounts, or payout anomalies.
• Reporting on program integrity for finance, legal, or compliance teams.

Framework

1. Signal Collection – IP/device matching, velocity checks, blacklist databases, manual reviews.
2. Scoring Model – assign risk scores by cohort (new accounts, high-volume referrers, geo mismatch).
3. Workflow Automation – auto-flag, queue for review, or pause rewards until verified.
4. Investigation Runbook – define evidence gathering, communication templates, and resolution paths.
5. Feedback Loop – update heuristics, adjust incentives, and communicate policy changes.

Templates