Overview

You can now leverage RFM (Recency, Frequency, Monetary) scoring within Policy Monitoring to segment merchants and create more intelligent alerting logic. This enhancement reduces noise from low-impact anomalies and policy violations, ensuring your alerts reflect both statistical significance and business relevance. Experience refined alert volume, reduced alert fatigue, and increased investigator efficiency with greater trust in the alerts that matter most.

What's New:

Daily RFM Scoring: Merchants are scored daily (0-9 scale) across three key dimensions to provide comprehensive merchant behavioral analysis.  

• Recency: How recently the merchant has transacted
• Frequency: How often the merchant has transacted 
• Monetary: Total transaction volume
  
  

RFM Segmentation Categories: Utilize eight pre-configured merchant segments (including High Exposure, High Velocity, and Operational Drainers) to better understand your portfolio's risk landscape.

Rule Enhancements & Filters: Apply RFM scores to optimize rules, and refine and prioritize alerts with new filtering capabilities:

• Segmentation Filters: Scope rules to specific RFM categories for targeted monitoring
• Score Filters: Reference R, F, or M scores directly within rule parameters

Impact:

Focus your investigative resources on high-impact alerts with additional merchant behavioral data that provides context for strategic filtering and prioritization. This update enables teams to refine alert volume, improve investigator efficiency, and strengthen confidence in your anomaly detection logic, all aligned with your operational priorities and risk tolerance.