Onboarding fraud scoring engine¶
| ID | MOD-055 |
| System | SD06 |
| Repo | bank-risk-platform |
| Build status | Not started |
| Deployed | No |
Real-time fraud scoring engine applied to every onboarding application. Evaluates device fingerprint signals, velocity patterns, duplicate identity attribute clusters, and synthetic identity indicators to produce a fraud score and a BLOCK / REVIEW / ALLOW disposition that gates the onboarding decision orchestrator.
Produces explainable signal contributions aligned to the signal taxonomy (IDENTITY, DEVICE, BEHAVIOUR, NETWORK) so that fraud outcomes can be reviewed, challenged, and used to retrain models.
Not to be confused with MOD-023 (transaction fraud scorer), which operates post-onboarding on payment events.
Module dependencies¶
Depends on¶
| Module | Title | Required? | Contract | Reason |
|---|---|---|---|---|
| MOD-009 | eIDV & document verification | Required | contract/api/ |
Onboarding fraud scoring evaluates signals from the eIDV process — duplicate and synthetic identity checks require the identity verification result. |
| MOD-062 | Workflow orchestration engine | Required | — | The BLOCK/REVIEW/ALLOW outcome gates the onboarding orchestration workflow managed by the workflow engine. |
| MOD-104 | AWS shared infrastructure bootstrap | Required | — | AWS shared infrastructure provisioned by MOD-104 (EventBridge buses, S3, KMS, Kinesis, Cognito) is required before this module can be deployed. |
| MOD-102 | Snowflake account configuration & governance | Required | — | Snowflake account and governance provisioned by MOD-102 must exist before this module can read or write Snowflake. |
Required by¶
(No modules in this wiki currently declare a dependency on this module.)
Policies satisfied¶
| Policy | Title | Mode | How |
|---|---|---|---|
| AML-013 | Onboarding Fraud & Identity Integrity Policy | GATE |
Device, velocity, duplicate, and synthetic identity signals evaluated at the point of application; BLOCK / REVIEW / ALLOW outcome gates the onboarding decision orchestrator. |
Capabilities satisfied¶
(No capabilities mapped)
Part of SD06 — Snowflake Analytics & Risk Platform
Compiled 2026-05-22 from source/entities/modules/MOD-055.yaml