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REVIEWdec_84291 · 184ms

Marcus Thompson

Withdrawal · $8,000.00 · bank account •••• 9014

Confidence

91%

Risk score

87 / 100

Decision explanation

Risk increased due to multiple correlated signals.

No single signal caused this review. The combination crossed the policy threshold.

Positive signals

Account age: 147 days
Identity verified
Successful payment history

Risk signals

New device detected
Device linked to a banned account
Large withdrawal after password reset
Unusual login location
Correlation insightThe new device was first seen 9 minutes before this withdrawal and shares an identifier with 3 blocked entities.

Policy evaluation

High Value Withdrawal Protection

Version v3.4 · Published by Payments Risk

policy.rule

IF withdrawal.amount > 5000

AND device.age_hours < 24

AND risk.score > 80

THEN require_review

$8,000

amount

0.2 hrs

device age

87

risk score

Events timeline

What happened before this decision

Unified from first-party events and connected vendors

Account created

San Francisco, US · Web

Identity verified

Persona · Government ID + selfie

Payment successful

$425.00 · Visa •••• 4821

New device added

Chrome 126 · Windows · confidence 12%

Password changed

Recovery flow · same new device

Withdrawal attempted

$8,000.00 · Bank account •••• 9014

Risk decision generated

Review · 91% confidence · 184ms