This rule detects abnormal patterns of accumulated refunds that may indicate merchant fraud schemes or money laundering.

System flags when:
1. Total refund volume accumulates to suspicious levels
2. Analyzed over rolling time period
3. Significantly exceeds normal business refund patterns

High aggregate refunds can indicate:
- Return fraud schemes (processing fake returns for cash)
- Money laundering (using refunds to layer illicit funds)
- Merchant collusion (issuing fraudulent refunds to associates)
- Business failure (excessive legitimate returns indicating product/service issues)
- Account takeover (fraudster issuing refunds to drain merchant account)

The aggregative approach is critical because:
- Individual small refunds may appear normal
- Pattern only visible when viewing total volume
- Indicates systematic rather than isolated issues
- May represent ongoing criminal enterprise

Generates ALERT to enable:
- Merchant contact and business validation
- Review of refund supporting documentation
- Pattern analysis for fraud ring indicators
- Potential merchant account suspension if fraud confirmed