Step 5 of 5
Transaction Explorer
Pick any transaction to see what each scorer thought, why, and what the AI analyst recommends. This is the investigation console fraud analysts use day-to-day.
Txn ID
txn_8a3f10c
Timestamp
2026-06-27 02:14:47 UTC
Amount
USD 4,821.50
Merchant
Aria Electronics · RU
Customer / Card
cus_44211 · card_4f9b···2017
Channel
CNP
XGBoost
Supervised classifier
Fraud probability
94.0%
Confidence 88.0%
Isolation Forest
Unsupervised anomaly
Raw score
-0.412
Percentile 98.7
Rules Engine
Deterministic guardrails
Risk level
high
Triggered rules
- R-001 High amount > $5,000 (near)
- R-019 IP country ≠ card BIN
- R-022 Geo velocity > 800 km/h
Overall Risk
Ensemble decision
Large CNP purchase in a previously unseen country with implausible travel velocity.
SHAP explanation
Per-feature contribution to the XGBoost score · sorted by absolute impact
| Feature | Current value | Impact | Direction |
|---|---|---|---|
| geo_velocity_kmh | 1,042 | +0.184 | ↑ fraud |
| amount_vs_prior_avg | 8.21x | +0.142 | ↑ fraud |
| ip_country_mismatch | true | +0.118 | ↑ fraud |
| merchant_country_seen_before | false | +0.097 | ↑ fraud |
| device_seen_before | false | +0.082 | ↑ fraud |
| cvv_match | true | -0.044 | ↓ legit |
| is_night_local | true | +0.041 | ↑ fraud |
| merchant_seen_before | false | +0.036 | ↑ fraud |
| card_age_days | 612 | -0.028 | ↓ legit |
| three_ds_challenged | true | -0.021 | ↓ legit |
AI Fraud Analyst Report
Narrative investigation summary
Overall risk assessment
Why the transaction was flagged
Key contributing factors
- geo_velocity_kmh (1,042)
- amount_vs_prior_avg (8.21x)
- ip_country_mismatch (true)
Recommended action
Confidence