Most fraud systems launch like this:
“Ship strict rules now, deal with complaints later.”
That’s equivalent to deploying a breaking change and calling it security.
Takeaway: Fraud detection is part of the user interface, even if it lives in backend services.
Framework: Intervention Layers
Think of fraud responses as fallbacks:
- Invisible – auto-resolve using context
- Low-friction – quick user confirmation
- High-friction – manual review or hard blocks
Question for the community:
Which layer do your current controls default to, and why?