This rule implements stringent monitoring for high-value cross-border transactions that carry elevated fraud risk.

System flags when:
1. Single transaction exceeds AED 100,000
2. Card is international (issued outside UAE)
3. Cross-border nature increases complexity and fraud risk

International high-value transactions require enhanced scrutiny because:
- Greater difficulty verifying cardholder identity across borders
- Increased chargeback risk due to jurisdictional complexities
- Common target for business email compromise fraud
- Challenging to recover funds if fraud detected after processing
- May involve currency conversion exploitation
- Higher likelihood of shipping fraud or goods never delivery disputes

Transaction placed on HOLD requiring:
- Cardholder contact via issuing bank
- Merchant verification of goods/services legitimacy
- Cross-border compliance verification
- Enhanced fraud screening before authorization