Ten deterministic, browser-based tools covering the payment fraud and risk lifecycle — from synthetic identity scoring and APP scam pre-payment assessment through fraud score simulation, BIN/IIN intelligence, batch sanctions screening, chargeback representment, and fraud investigation. Anchored by a Policy Mandate agentic fraud policy mandate builder. Zero PII.
Follow the 4-stage fraud detection journey below, or jump directly to the tool you need. All tools run in your browser — no account, no data transmission.
Pre-application synthetic identity risk scoring across 7 structural identity attributes before a credit or account decision. Composite score, signal breakdown, and CIP enhancement steps. Distinct from T04 (transaction-level) and T80 (post-event). Zero PII.
Open ToolAPP scam risk scoring and typology classification at the point of payment initiation. 5 scam typologies, friction intervention recommendations. Pre-payment detection only — PSR liability split and reimbursement use T257 (Cat-21). Zero PII.
Open ToolConsolidates four fraud risk dimensions — detection thresholds, APP scam controls, loss tolerance, and SAR reporting triggers — into a validated Policy Mandate JSON. agent_instructions array is MCP server deployable. Built-in contradiction detection. Zero PII.
Open ToolFive-stage fraud investigation workflow — detection, enrichment, evidence collection, disposition, and reporting. FinCEN-ready SAR narrative export. Post-event investigation tool; distinct from T321 (pre-application) and T04 (authorisation-time).
Open ToolEvidence checklist, win-probability estimator, and representment letter generation for Visa CE 3.0, Mastercard, Amex, and Discover. Batch priority mode ranks multi-dispute portfolios by ROI. Policy Mandate for dispute operations.
Open ToolValidate NACHA, ISO 20022, SEPA, and SWIFT MT batch files with in-browser sanctions screening against OFAC SDN, UN, and EU consolidated lists using Levenshtein, Jaro-Winkler, and Soundex algorithms. Zero PII leaves the tab.
Open ToolTransaction-level ML-style fraud scoring at authorisation time with SHAP-style feature explainability. Configurable model parameters, decision threshold tuning, and precision/recall tradeoff visualisation. Distinct from T321 (pre-application identity).
Open ToolAML rule sandbox for A2A payment flows — model transaction monitoring rules, test alert thresholds, and simulate FATF-aligned risk scoring across invoice and A2A payment scenarios. Policy Mandate for compliance operations.
Open ToolDecode Bank Identification Numbers and Issuer Identification Numbers to card scheme, issuer, product type, country, and funding source. Bulk BIN lookup, fraud pattern analysis by BIN range, and scheme-level risk flags.
Open ToolGenerate jurisdiction-specific A2A compliance checklists across PSD2/3, FCA open banking, FinCEN/BSA, and Australian CDR requirements. Product launch compliance readiness by jurisdiction, product type, and institution category.
Open ToolLast reviewed: May 2026 · 10 tools · Cat-03 · Fraud & Risk
Use T321 to score synthetic identity risk across 7 structural attributes before any credit or account decision. Use T04 for ML-style transaction fraud scoring at authorisation time with SHAP-style feature explainability.
Use T322 for pre-payment APP scam detection and typology classification under PSR PS23/3. Use T43 for in-browser batch sanctions screening across OFAC, UN, and EU lists — zero PII leaves the tab.
Use T41 for Visa CE 3.0 and Mastercard chargeback representment — evidence checklist, win-probability estimator, and batch ROI prioritisation. Use T80 for end-to-end fraud investigation with FinCEN-ready SAR narrative export.
Use T37 to decode BIN/IIN ranges to scheme, issuer, product type, and country for fraud pattern analysis. Use T43 for bulk batch file validation with fuzzy-match sanctions screening across NACHA, ISO 20022, and SEPA formats.
Use T18 to generate A2A compliance checklists for PSD2/3, FCA open banking, and FinCEN/BSA product launches. Use T05 to sandbox AML transaction monitoring rules and test alert thresholds before go-live.
Use T323 to build a validated AP2 mandate — detect thresholds, APP friction controls, loss tolerances, and SAR triggers in a single agent_instructions array. Deployable via the AINumbers.co MCP server to your fraud decisioning agent.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
Federal Reserve Board guidance on synthetic identity fraud risk management. T321 implements the 7-attribute structural identity scoring framework from SR 2022-18.
FinCEN FIN-2021-A003 synthetic identity guidance. BSA SAR filing requirements for T80. FinCEN guidance on beneficial ownership and identity verification.
UK Payment Systems Regulator mandatory reimbursement rules. T322 covers pre-payment APP scam detection. UK FPS Confirmation of Payee v3.0 friction requirements.
FATF 40 Recommendations. T05 maps transaction monitoring rules to FATF typologies. T43 sanctions screening aligned to FATF Recommendation 6.
OFAC SDN list logic in T43. UN Consolidated, EU Consolidated, and HMT watchlist patterns. Fuzzy-match confidence scoring across Levenshtein, Jaro-Winkler, and Soundex.
Visa Compelling Evidence 3.0 chargeback rules in T41. Mastercard dispute resolution rules. Amex and Discover representment evidence requirements.
PSD2/3 SCA requirements. T18 maps A2A compliance checklists across PSD2/3, FCA open banking, and FinCEN/BSA product launch requirements.
T323 outputs validated Policy Mandate JSON aligned to the Agent-to-Agent Payments Protocol standard. agent_instructions array deployable directly via MCP server.
Open T321 — Synthetic Identity Fraud Risk Scorer and input the 7 observable identity signals using synthetic data. The composite score and CIP enhancement steps drive your onboarding risk tier.
Use T322 — APP Scam Pre-Payment Risk Assessor to classify scam typology and trigger appropriate friction interventions under PSR PS23/3 before authorising payments.
Use T80 — Payment Fraud Investigation Decision Lab for end-to-end five-stage investigation workflows with FinCEN-ready SAR narrative export.
Use T323 — AP2 Fraud & Risk Policy Mandate Builder to configure detection thresholds, APP scam controls, loss tolerance budgets, and SAR triggers. Export the agent_instructions array for MCP deployment.
All 10 tools expose structured outputs compatible with the AINumbers MCP manifest. 8 of 10 have Policy Mandate export enabled. T18 and T37 are reference/lookup tools without Policy Mandate.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T321 | score_synthetic_identity_fraud_risk | ssn_issue_year, applicant_age, credit_file_age, address_tenure, account_velocity_90d, phone_age, device_anomaly_flag | composite_score, risk_tier, signal_breakdown{}, cip_steps[] |
| T322 | assess_app_scam_pre_payment_risk | beneficiary_account_age, first_time_payee, payment_purpose, instruction_channel, time_pressure, amount_vs_median, account_pattern | scam_typology, risk_score, risk_tier, friction_interventions{} |
| T323 | build_fraud_risk_ap2_mandate | detection_thresholds{}, app_scam_controls{}, loss_tolerance{}, sar_triggers{} | policy_mandate_json{}, agent_instructions[], contradiction_flags[] |
| T80 | run_fraud_investigation | case_inputs{}, transaction_data[], investigation_stage | investigation_report{}, sar_narrative, disposition |
| T41 | build_chargeback_representment | network_type, reason_code, evidence_items[], dispute_amount | evidence_checklist{}, win_probability, representment_letter, policy_mandate_json{} |
| T43 | validate_batch_payment_file | file_format, batch_data, sanctions_lists[], match_algorithm | validation_results{}, match_hits[], confidence_scores{} |
| T04 | simulate_fraud_score | transaction_features{}, model_params{}, threshold | fraud_score, risk_tier, shap_values{}, precision_recall{} |
| T05 | run_aml_rule_sandbox | rule_conditions[], transaction_scenarios[], fatf_alignment | alert_simulation{}, threshold_analysis{}, policy_mandate_json{} |
| T37 | decode_bin_iin | bin_numbers[], lookup_scope | card_scheme, issuer, product_type, country, risk_flags[] |
| T18 | generate_a2a_compliance_checklist | jurisdiction, product_type, institution_category | compliance_checklist{}, gap_items[], regulatory_refs[] |