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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.
+
+---