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Watch Events → Score Risk → Anomalous? → Flag → Route To Review

Fraud and Anomaly Monitor

Flags suspicious patterns in payments, identity changes, and account updates, so fraud risk is caught as it happens instead of discovered after a chargeback.

The Problem

Fraud shows up after the money or access is already gone.

Suspicious payment patterns or account changes go unnoticed until chargebacks arrive.

What Changes

Suspicious patterns flagged as they happen.

Flags unusual patterns - payment method changes, identity updates, duplicate accounts - early enough to investigate before damage is done.

Humans stay in control: Your team investigates and acts. The agent flags the anomaly. It removes the blind spot, not the decision.

HOW THE AGENT WORKS

TRIGGERLLMAPIDECISIONACTIONWAIT
TRIGGEREvent OccursPayment, identity, or account change
APIPull ContextGet the account history and baseline
LLMScore RiskAssess against fraud patterns
DECISIONAnomalous?
ACTIONFlag For ReviewSurface the suspicious event
ACTIONLog PatternRecord for ongoing monitoring
The agent doesn't block accounts or accuse anyone. It flags suspicious patterns for your team to investigate.

HOW TO BUILD IT

Three levels of depth. Pick the one that matches where you are.

For the ops person who needs to understand what's involved and brief their team.

Your EventsPayments, account changes
The AgentWorkflow engine + LLM
Your TeamFraud flags

WHAT YOUR TEAM PROVIDES ONCE

  • Event access - payments, identity, account updates
  • Fraud patterns - the signals to watch for
  • Baselines - normal behaviour per account
  • Risk thresholds - what to flag vs ignore
  • Review routing - who investigates flags
What happens day-to-day: An account changes its payment method then immediately requests a refund, or a payment pattern shifts oddly. The agent scores the event against fraud patterns and flags the suspicious ones for your team to investigate before the loss lands.

For the IT person or technical lead who needs to scope the integration.

INQUIRY SOURCES

Payment system
PMS account events
Identity changes

WORKFLOW ENGINE (N8N)

Trigger - event
API - Pull context
LLM - Score risk
Branch - anomalous?
Flag for review
Log pattern
Update baseline

CONNECTS TO

Payment / AR systemRead: payment events
PMSRead: account + identity changes
Notifications (Slack / email)Flag suspicious events
Monitoring logRecord patterns over time
WITHOUT PMS API

Agent reviews exported event logs on a schedule and flags anomalies. The detection logic still runs.

WITH PMS API

Agent scores live events against baselines and flags anomalies in real time. Best experience.

For the person who wants to build this agent step by step. Each node below maps to an n8n workflow node.

TRIGGERNode 1
Trigger - Event Occurs
Webhook on payment, identity, or account-update events.
Output: { account_id, event_type, details, timestamp }
APINode 2
HTTP Request - Pull Context
Get the account history and behavioural baseline.
Output: { history[], baseline }
LLMNode 3
LLM - Score Risk
Assess the event against fraud patterns and the account baseline.
Output: { risk_score, signals[], anomalous }
You score an account event for fraud risk.

Using FRAUD PATTERNS and the account baseline, return:
- risk_score: 0-100
- signals: which patterns matched
- anomalous: true if above threshold
This is a flag for human review, not an accusation.
Respond ONLY with valid JSON.

FRAUD PATTERNS: {fraud_patterns}
BASELINE: {baseline}
EVENT: {event}
INPUT
{ "event_type": "payment_method_change", "then": "refund_request 2h later", "amount": 2100 }
OUTPUT
{
  "risk_score": 82,
  "signals": ["payment_method_change_then_refund", "short_time_window"],
  "anomalous": true
}
DECISIONNode 4
Condition - Anomalous?
IF risk_score above threshold → flag for review. ELSE → log and update baseline.
Output: Branch: ANOMALOUS (flag) or NORMAL (log)
ACTIONNode 5
Flag & Log
Surface flagged events to the team with the signals; log all events for ongoing monitoring.
Output: Suspicious events surfaced; baseline maintained.
MVP vs Advanced — Where To Start
MVP — START HERE
  • Event-log review
  • History from a sheet
  • Pattern scoring
  • Simple threshold
  • Email flags
  • Log to a sheet
ADVANCED — ADD LATER

    Full Video Walkthrough Coming Soon

    From account events to a fraud flag - step by step.

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    Frequently asked questions

    Fraud and Anomaly Monitor is an AI agent that flags suspicious payment and identity patterns early.
    Fraud shows up after the money or access is already gone. The Fraud and Anomaly Monitor addresses this — it flags suspicious payment and identity patterns early.
    No — your team stays in control. Your team investigates and acts. The agent flags the anomaly. It removes the blind spot, not the decision.

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