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skills/fraud-detection/SKILL.md

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+---
+name: fraud-detection
+description: Use to monitor, investigate, and prevent abuse within referral programs.
+---
+
+# Referral Fraud Detection Skill
+
+## When to Use
+- Designing safeguards for new referral initiatives.
+- Investigating suspicious referral spikes, duplicate accounts, or payout anomalies.
+- Reporting on program integrity for finance, legal, or compliance teams.
+
+## Framework
+1. **Signal Collection** – IP/device matching, velocity checks, blacklist databases, manual reviews.
+2. **Scoring Model** – assign risk scores by cohort (new accounts, high-volume referrers, geo mismatch).
+3. **Workflow Automation** – auto-flag, queue for review, or pause rewards until verified.
+4. **Investigation Runbook** – define evidence gathering, communication templates, and resolution paths.
+5. **Feedback Loop** – update heuristics, adjust incentives, and communicate policy changes.
+
+## Templates
+- Fraud monitoring dashboard outline (metrics, thresholds, owners).
+- Investigation log (case ID, referrer, signals, action taken, notes).
+- Policy update checklist (legal, comms, ops, partner notifications).
+
+## Tips
+- Combine automated checks with random manual audits for accuracy.
+- Align with legal/finance on clawback procedures before launch.
+- Share learnings with `incentive-design` to discourage risky behavior.
+
+---

skills/incentive-design/SKILL.md

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+---
+name: incentive-design
+description: Use when structuring payouts, tiers, and eligibility for referral programs.
+---
+
+# Referral Incentive Design Skill
+
+## When to Use
+- Launching new referral or affiliate programs.
+- Revisiting incentive structures after performance reviews.
+- Adapting rewards for new personas, products, or regions.
+
+## Framework
+1. **Objective Alignment** – tie incentives to desired behavior (lead quality, revenue, product adoption).
+2. **Structure Options** – choose between cash, credits, swag, tiered multipliers, or charitable donations.
+3. **Economics** – model CAC/LTV impact, cap payouts, and define clawback rules.
+4. **Compliance** – account for tax reporting, regional regulations, and contractual clauses.
+5. **Experimentation** – define hypotheses, guardrails, and measurement cadence.
+
+## Templates
+- Incentive matrix (persona → action → reward → cap → notes).
+- Budget planner comparing reward scenarios vs target outcomes.
+- A/B test brief for incentive experiments.
+
+## Tips
+- Keep tiers simple; too many options create friction.
+- Pair with finance/legal early to avoid rework.
+- Document changes with effective dates for auditability.
+
+---

skills/partner-ops/SKILL.md

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+---
+name: partner-ops
+description: Use to manage partner onboarding, enablement, and compliance workflows
+  for referral programs.
+---
+
+# Partner Operations Toolkit Skill
+
+## When to Use
+- Onboarding new referral partners or affiliates.
+- Coordinating partner communications, reporting, and payment processes.
+- Auditing partner compliance and performance tiers.
+
+## Framework
+1. **Onboarding Flow** – agreements, compliance docs, tax forms, tool access, success plan.
+2. **Enablement Package** – content kits, messaging, FAQs, co-marketing assets, escalation contacts.
+3. **Reporting Cadence** – dashboards, submission tracking, performance reviews, payout schedules.
+4. **Compliance & Risk** – policy acknowledgment, brand guidelines, marketing approval steps.
+5. **Lifecycle Management** – tier upgrades/downgrades, inactive partner re-engagement, offboarding.
+
+## Templates
+- Partner onboarding checklist (documents, approvals, system access).
+- Enablement brief (program overview, assets, CTAs, support channels).
+- Quarterly business review deck outline.
+
+## Tips
+- Centralize partner data (CRM or PRM) with status + compliance fields.
+- Pair with `launch-program` command to ensure partners receive updated kits.
+- Automate reminders for reporting deadlines and policy renewals.
+
+---