Kibo Fraud Detection & Risk Management
Designed and implemented fraud detection and risk management system from scratch for enterprise commerce platform.
The Challenge
Kibo's payment processing platform had no fraud detection or risk management capabilities, exposing both the company and its enterprise customers to significant financial risk. Fraudulent transactions were being processed without any automated screening, resulting in chargebacks, revenue loss, and eroding client trust. The solution needed to work across Kibo's diverse customer base—from small retailers to large enterprise brands—each with different risk profiles, transaction volumes, and tolerance thresholds.
My Approach
Designed the system architecture from the ground up, starting with a thorough analysis of transaction patterns and fraud vectors specific to the commerce platform. Built a layered detection approach that combined automated rules-based screening for known fraud patterns with machine-learning-informed risk scoring for more nuanced threats. Created configurable risk profiles so each client could tune detection sensitivity to their business needs, and established manual review workflows with clear escalation procedures for borderline cases. Worked closely with engineering to ensure the system could process transactions in real time without adding latency to the checkout experience.
Technologies & Tools
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