CAP-040 — Scam warning system (payee risk scoring)

Category	Security & trust
Business goal	Not yet linked to a business goal
Satisfying module	MOD-023 Transaction fraud scorer
Mode	ALERT
BD owner	BD07 Financial Crime
Human needed	Review

A real-time warning shown to customers before they confirm a payment to a payee that scores as high-risk for known scam patterns (new account, unusual amount for that payee category, matches known scam account database). The customer sees the warning and must explicitly confirm they understand the risk before the payment proceeds. Warnings are logged for AML/fraud pattern analysis.