This rule uses behavioral analysis to detect card usage in geographically abnormal locations that deviate from established spending patterns.

Analysis performed:
1. System builds a 30-day geographic profile for each card
2. Identifies the cardholder's typical transaction locations
3. Calculates statistical deviation of current transaction location
4. Flags when location is 3+ standard deviations from normal pattern

Geographic anomalies often indicate:
- Card theft with usage far from owner's location
- Account compromise with fraudulent online purchases shipped to alternate addresses
- Card number theft with usage in different region/country
- Insider fraud where card data is sold and used remotely

Suspicious geographic transactions are placed on HOLD for cardholder verification before processing.