TELISIK/Rules
Rule Management
AUGMENT — rule lifecycle. AI recommends, a human approves every change.
New members start with Bank Indonesia-recommended baseline rules pre-loaded.
AI-generated insightQwen-Max · trained on ALTO post-transaction history· Network rule lifecycleConfidence 94%Configurable
Two active rules are drifting this week: R-014 (FPR +3.1σ) and R-118 (TPR −2.4σ). The Rule Evaluator has drafted retunes — every parameter is configurable and nothing deploys without a human approver. Approving R-014 v2 alone would cut network-wide false positives by ~9%.
Sapa drafts and recommends — you decide.
Rule catalog (12)
| ID | Name | Status | Precision | Triggers (30d) | |
|---|---|---|---|---|---|
| R-014 | QRIS High-Velocity Merchant QRIS MPM | Active | 9.1% | 1,802 | |
| R-021 | ATM Cash-Out Burst ATM | Active | 41.2% | 412 | |
| R-034 | Debit POS Card-Not-Present Anomaly Debit POS/NPG | Active | 28.7% | 612 | |
| R-072 | Cross-Border QRIS Mismatch QRIS CPM | Active | 22.4% | 198 | |
| R-088 | Dormant Account Reactivation QRIS MPM | Active | 55.0% | 88 | |
| R-101 | Issuer-Acquirer Geo Velocity Debit POS/NPG | Active | 33.0% | 274 | |
| R-110 | Merchant KYC Similarity Cluster QRIS MPM | Draft | 0.0% | 0 | |
| R-112 | ATM Skimmer Hotspot ATM | Active | 62.1% | 47 | |
| R-118 | Refund Abuse Pattern Debit POS/NPG | Active | 18.5% | 320 | |
| R-130 | Beneficiary Fan-In QRIS CPM | Active | 47.3% | 105 | |
| R-141 | Retired Legacy ATM Velocity ATM | Retired | 4.0% | 0 | |
| R-152 | QRIS Cross-Member Pattern (β) QRIS MPM | Draft | 0.0% | 0 |
R-014ActiveOwner: ALTONeeds attention
QRIS High-Velocity Merchant
QRIS MPM
Rule Definition
IF
channel = QRIS_MPMAND
count(merchant_id, window=10min) > 25AND
avg(amount) < 300,000THEN
flag = HIGHShow raw DSL (audit view)
IF channel = QRIS_MPM AND count(merchant_id, window=10min) > 25 AND avg(amount) < 300,000 THEN flag = HIGH
Live performance (last 30 days)
Triggers
1,802
Confirmed fraud
127
False positives
1,294
Precision
9.1%
AI recommendationQwen-Max · Rule Evaluator agentConfidence 92%
Tighten R-014 velocity threshold 25 → 35 and gate by merchant_age
Generated for R-014 — QRIS High-Velocity Merchant · derived from post-transaction history (alerts, analyst dispositions, confirmed-fraud outcomes)
- 1Of the 4,217 R-014 triggers in the last 90 days, 91% were dispositioned as false positives by analysts (3,837 of 4,217).
- 294% of false positives came from 3 merchant categories: top-up agents (MCC 6051), parking lots (MCC 7523) and street-food vendors (MCC 5812) — all of which legitimately exceed 25 small payments / 10 min.
- 3Confirmed-fraud triggers cluster at 38+ payments / 10 min and merchant_age < 90 days — raising the threshold to 35 and adding a merchant_age gate preserves catch.
- 4Replaying the proposed rule across 90d of real traffic suppresses 41% of false positives while only dropping 3% of confirmed-fraud catches (none of which were unique to this rule — all were also flagged by R-072).
Proposed parameters — fully configurable
Velocity threshold
25 txns / 10 min→35 txns / 10 min
Merchant age gate
none days→< 90 days
Min amount
— IDR→10,000 IDR
Flag severity
HIGH→HIGH
Projected impact (from historical backtest)
False positives
-41%
Confirmed catch
-3%
Net precision
+17.9 pp
AI-generated from the last 90 days of post-transaction outcomes. Every parameter above is configurable; no rule deploys automatically — a human approver must accept the change. All actions are logged to ActionTrail.