This rule monitors newly onboarded merchants for suspicious high-value transactions during the critical early establishment period.

Generates alert when:
1. Merchant account age is less than 90 days from account opening
2. Transaction amount exceeds AED 25,000
3. Merchant still in probationary/monitoring period

New merchant high-value transactions are flagged because:
- Insufficient transaction history to establish normal patterns
- Fraudulent merchant applications often process large transactions quickly before detection
- Money laundering operations may use new merchant fronts for rapid fund movement
- Business email compromise may target newly onboarded businesses
- Limited relationship history to validate legitimacy

The 90-day window is critical because:
- Establishes baseline merchant behavior patterns
- Allows time to verify business legitimacy
- Enables fraud detection before significant exposure
- Standard risk management probationary period

Alert enables fraud team to conduct enhanced merchant validation without disrupting legitimate new business growth.