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  `id` bigint NOT NULL AUTO_INCREMENT,
  `name` varchar(255) NOT NULL,
  `description` text,
  `category` varchar(255) NOT NULL,
  `parameters` json DEFAULT NULL,
  `enabled` tinyint(1) DEFAULT '1',
  `rule_type` varchar(255) NOT NULL,
  `execution_order` int DEFAULT '0',
  `mcc_codes` json DEFAULT NULL,
  `inserted_at` datetime NOT NULL,
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  PRIMARY KEY (`id`),
  UNIQUE KEY `risk_rules_name_category_index` (`name`,`category`),
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  KEY `risk_rules_enabled_index` (`enabled`),
  KEY `risk_rules_rule_type_index` (`rule_type`)
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INSERT INTO `risk_rules` VALUES (227,'Suspicious International transactions','International card transactions with value ≥ AED 10,000','Cat A','{\"currency\": \"AED\", \"threshold\": 8000.0, \"card_types\": [\"international\"], \"multiplier\": 3.2}',1,'hold',1,'{}','2026-03-19 07:20:54','2026-03-19 07:20:54'),(228,'Suspicious-Multiple International card transactions for low values','2+ international transactions, same terminal, 2,000–5,000 AED within 30 minutes','Cat A','{\"min_count\": 2, \"threshold\": 8000.0, \"card_types\": [\"international\"], \"max_amount\": 5000, \"min_amount\": 2000, \"multiplier\": 3.2, \"time_window_minutes\": 30}',1,'hold',2,'{}','2026-03-19 07:20:54','2026-03-26 13:06:46'),(229,'Suspicious-Abnormal Time transaction','Transaction made during abnormal working hours between 12 Midnight to 7 AM\n','Cat A','{\"end_hour\": 7, \"threshold\": 8000.0, \"multiplier\": 3.2, \"start_hour\": 0, \"excluded_mccs\": [\"8062\", \"7011\", \"5542\", \"5812\"]}',1,'hold',3,'{}','2026-03-19 07:20:54','2026-03-26 13:07:45'),(230,'Suspicious-Split transaction','All transactions with the same card and at same merchant terminal in the same city within 10 minutes are highlighted in daily risk reports for scrutiny and further action (if to be kept on hold or release in merchant account) – Sum Transaction value => 10000 AED\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"location\"], \"time_window_minutes\": 10}',1,'hold',4,'{}','2026-03-19 07:20:54','2026-03-26 13:08:27'),(231,'Suspicious-Duplicate transaction','All transactions with the same card and at same merchant terminal with the same amount processed within 10 minutes are highlighted in daily risk reports for scrutiny and further action (if to be kept on hold or release in merchant account) – Sum Transaction value => 10000 AED\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"amount\"], \"time_window_minutes\": 10}',1,'hold',5,'{}','2026-03-19 07:20:54','2026-03-26 13:09:01'),(232,'Suspicious-High Velocity transaction','All transactions processed at same merchant terminal processed within 2 minutes are highlighted in daily risk reports for scrutiny and further action (if to be kept on hold or release in merchant account) –Transaction value => 500 AED\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"grouping_fields\": [\"terminal_id\"], \"amount_threshold\": 500, \"time_window_minutes\": 2}',1,'hold',6,'{}','2026-03-19 07:20:54','2026-03-26 13:09:22'),(233,'Transactions above-average ticket size','Transaction >= 4 times (multiples) average ticket size (calculated over last 90 days rolling average) on the following MCCs to be highlighted in the risk reports','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"target_mccs\": [\"4812\", \"5732\", \"5733\", \"5541\"], \"rolling_days\": 90}',1,'hold',7,'{\"4722\": \"Travel Agencies\", \"4812\": \"Telecommunication Equipment\", \"5045\": \"Computers/Peripherals\", \"5172\": \"Petroleum Products\", \"5732\": \"Electronics Stores\", \"5812\": \"Eating Places, Restaurants\", \"5962\": \"Direct Marketing—Travel-Related Arrangement Services\", \"7512\": \"Automobile Rental Agency—not elsewhere classified\", \"7513\": \"Truck Rental\", \"7519\": \"Motor Home and Recreational Vehicle Rental\", \"7991\": \"Tourist Attractions and Exhibits\"}','2026-03-19 07:20:54','2026-03-26 13:09:56'),(234,'Dormant Merchant','Transaction after 30 days of inactivity','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"inactivity_days\": 30}',1,'hold',8,'{}','2026-03-19 07:20:55','2026-03-19 07:20:55'),(235,'Suspicious High Value (10000 AED) Transaction ','A scenario which includes high-value transactions above 10000 AED is put on hold for scrutiny and further action (if to be kept on hold for further documents/details or release in merchant account)\n','Cat A','{\"currency\": \"AED\", \"threshold\": 8000.0, \"multiplier\": 3.2}',1,'hold',9,'{}','2026-03-19 07:20:55','2026-03-26 13:11:07'),(236,'Declines of high value Fallback transactions','Transaction amount greater than 501 , and entry mode ( 80 - Fallback and 90 magstripe)\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"entry_modes\": [\"80\", \"90\"], \"amount_threshold\": 501, \"entry_mode_names\": [\"Fallback\", \"Magstripe\"]}',1,'alert',28,'{}','2026-03-19 07:20:55','2026-03-27 06:26:46'),(237,'Decline Transaction Monitoring','More than 10 declines within 20 minutes at same merchant','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"time_window_minutes\": 20, \"decline_count_threshold\": 10}',1,'alert',29,'{}','2026-03-19 07:20:55','2026-03-27 06:28:23'),(238,'New Onboarded Merchant High Decline','Merchant age <90 days AND increasing declines >5 within 20 minutes','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"decline_threshold\": 5, \"merchant_age_days\": 90, \"time_window_minutes\": 20}',1,'alert',30,'{}','2026-03-19 07:20:55','2026-03-27 06:28:31'),(239,'AML - Local transaction higher than 50K','Individual transaction is higher than AED50K - alert (Local Cards)\n','Cat A','{\"card_type\": \"local\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 500000}',1,'alert',31,'{}','2026-03-19 07:20:55','2026-03-27 06:28:37'),(240,'AML - Local transaction higher than 100K','If individual transaction is higher than 100K - hold (Local Cards) Excluding CAT-A Merchant\n','Cat A','{\"card_type\": \"regional\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 1500000, \"cat_a_alert_only\": true}',1,'alert',32,'{}','2026-03-19 07:20:55','2026-03-27 06:28:42'),(241,'AML - Local transaction higher than 400K','If individual transaction is higher than 400K - hold (Local Cards) Including CAT-A Merchant\n','Cat A','{\"card_type\": \"local\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 400000, \"exclude_categories\": [\"Cat A\"]}',1,'hold',33,'{}','2026-03-19 07:20:55','2026-03-27 06:28:50'),(242,'AML - International transaction higher than 100K','Single transaction >100,000 AED (International Cards)','Cat A','{\"card_type\": \"international\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 100000}',1,'hold',34,'{}','2026-03-19 07:20:55','2026-03-27 09:19:38'),(243,'AML - International transaction higher than 25K','Single transaction >25,000 AED (International Cards)','Cat A','{\"card_type\": \"international\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 25000}',1,'alert',35,'{}','2026-03-19 07:20:55','2026-03-27 09:19:53'),(244,'AML - 10 cards same BIN','More than 10 different cards from same BIN used at same merchant within 30 minutes','Cat A','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 8000.0, \"multiplier\": 3.2, \"time_window_minutes\": 30, \"card_count_threshold\": 10}',1,'alert',36,'{}','2026-03-19 07:20:55','2026-03-27 09:20:12'),(245,'AML - 20 cards same BIN','More than 20 different cards from same BIN used at same merchant within 30 minutes','Cat A','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 8000.0, \"multiplier\": 3.2, \"time_window_minutes\": 30, \"card_count_threshold\": 20}',1,'alert',37,'{}','2026-03-19 07:20:55','2026-03-27 09:20:31'),(246,'AML - Daily amount limit per card ( Accumulated 25k Day)','Accumulated daily amount per card is greater than AED25K \n','Cat A','{\"period\": \"daily\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"alternative_threshold\": 200000, \"daily_limit_threshold\": 100000}',1,'alert',38,'{}','2026-03-19 07:20:55','2026-03-27 06:29:18'),(247,'High Value Transaction on New Merchant (First 90 Days)','Transaction >25,000 AED on merchant within first 90 days of account opening','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"merchant_status\": \"new\", \"amount_threshold\": 25000, \"merchant_age_days\": 90}',1,'alert',40,'{}','2026-03-19 07:20:55','2026-03-27 06:29:29'),(249,'AML Suspicious International Transaction','Transaction from Iraq, Egypt, Libya, Mozambique exceeding 5,000 AED','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"country_names\": [\"Iraq\", \"Egypt\", \"Libya\", \"Mozambique\"], \"amount_threshold\": 5000, \"high_risk_countries\": [\"IRQ\", \"EGY\", \"LBY\", \"MOZ\"]}',1,'alert',41,'{}','2026-03-19 07:20:55','2026-03-27 06:29:33'),(250,'Suspicious domestic/international high value tranx for manual entry ( Key-IN)','The rule applies to Key-In transactions where the transaction amount exceeds AED 5,000, either as a single transaction or on a cumulative basis','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"entry_modes\": [\"manual\", \"keyin\"], \"amount_threshold\": 5000, \"transaction_types\": [\"QR\", \"POS\"]}',1,'alert',42,'{}','2026-03-19 07:20:55','2026-03-27 07:33:49'),(251,'New onboarded merchant International Card ( Min 90 days )','Newly onboarded merchant within 90 days and transaction for AED 20K on international card\n','Cat A','{\"card_type\": \"international\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 20000, \"merchant_age_days\": 50}',1,'alert',43,'{}','2026-03-19 07:20:55','2026-03-27 06:29:41'),(252,'Expired Card Reuse at Same Merchant','Transaction with repose code 51 and same card , same merchant greater than 3 transactions in the same day ','Cat A','{\"grouping\": [\"card_number\", \"merchant_id\"], \"threshold\": 8000.0, \"multiplier\": 3.2, \"response_code\": \"01\", \"transaction_count_threshold\": 50}',1,'alert',44,'{}','2026-03-19 07:20:55','2026-03-27 06:29:50'),(253,'High Amount of Aggregative Refunds','More than 10 refunds amounting to greater then (5K Accumulated) amount in 15 min time\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"transaction_status\": [\"refund\", \"refunded\"], \"refund_count_threshold\": 10, \"total_amount_threshold\": 5000}',1,'alert',45,'{}','2026-03-19 07:20:55','2026-03-27 06:29:54'),(254,'To alert high value refund of greater than 5000 which should include only refund transaction  ','To alert high value refund of greater than 5000 which should include only refund transaction  \n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"amount_threshold\": 5000, \"transaction_status\": [\"refund\", \"refunded\"]}',1,'alert',46,'{}','2026-03-19 07:20:55','2026-03-27 06:29:58'),(256,'Transaction followed by Suspect declined transaction wrong PIN entry attempts','Transaction that are followed by suspected declined transactions with wrong PIN entry response code, with same card any amount (After 4 wrong attempts) are kept on Hold and scrutinized for further action (if to be put on hold or release in Merchant account)\n','Cat A','{\"pattern\": \"declines_then_approvals\", \"threshold\": 8000.0, \"multiplier\": 3.2, \"decline_count\": 4, \"different_cards\": true, \"time_window_minutes\": 30, \"wrong_pin_response_codes\": [\"55\", \"75\"]}',1,'hold',16,'{\"all\": true}','2026-03-19 07:20:55','2026-03-27 05:40:51'),(258,'Daily volume above daily average volume of a Merchant ','Daily Transaction Volume >= 4 times average Daily volume of the merchant of last 90 days. \n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"analysis_period\": \"daily\", \"baseline_period_days\": 30, \"initial_volume_multiplier\": 2.0}',1,'hold',17,'{}','2026-03-19 07:20:55','2026-03-27 05:41:06'),(259,'Multiple Transactions Same Amount','Multiple transaction with same amount at the same terminal using different cards more than 5 transactions in 24Hrs – Sum more than <=50000 AED\n','Cat A','{\"threshold\": 8000.0, \"multiplier\": 3.2, \"same_amount_count\": 5, \"time_window_minutes\": 60}',1,'hold',18,'{}','2026-03-19 07:20:55','2026-03-26 12:59:47'),(260,'Transactions done by Self Card of the Merchants ','Scenario where Merchant used his own card on his own terminal should be highlighted (Sum More than >=2000) in a day.\n','Cat A','{\"card_type\": [\"merchant_owned_debit\", \"merchant_owned_credit\"], \"threshold\": 8000.0, \"multiplier\": 3.2, \"min_amount_threshold\": 2000, \"self_transaction_detection\": true}',1,'hold',19,'{}','2026-03-19 07:20:55','2026-03-26 13:14:23'),(274,'Suspicious International transactions','International card transactions with value ≥ AED 10,000','Cat B','{\"currency\": \"AED\", \"threshold\": 10000, \"card_types\": [\"international\"]}',1,'hold',1,'{}','2026-03-19 07:20:55','2026-03-19 07:20:55'),(275,'Multiple Int\'l card, low value','2+ international transactions, same terminal, 2,000–5,000 AED within 30 minutes','Cat B','{\"min_count\": 2, \"card_types\": [\"international\"], \"max_amount\": 5000, \"min_amount\": 2000, \"time_window_minutes\": 30}',1,'hold',2,'{}','2026-03-19 07:20:55','2026-03-19 07:20:55'),(276,'Abnormal Time transaction','Transactions between 12AM–7AM, except certain MCCs','Cat B','{\"end_hour\": 7, \"start_hour\": 0, \"excluded_mccs\": [\"8062\", \"7011\", \"5542\", \"5812\"]}',1,'hold',3,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(277,'Split transaction','Same card+terminal+city, ≤10 minutes, sum ≥ AED 10,000','Cat B','{\"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"location\"], \"time_window_minutes\": 10}',1,'hold',4,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(278,'Duplicate transaction','Same card+terminal+amount, ≤10 minutes, sum ≥ AED 10,000','Cat B','{\"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"amount\"], \"time_window_minutes\": 10}',1,'hold',5,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(279,'High Velocity transaction','Same terminal, ≤2 minutes, value ≥ AED 500','Cat B','{\"grouping_fields\": [\"terminal_id\"], \"amount_threshold\": 500, \"time_window_minutes\": 2}',1,'hold',6,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(280,'Above-average ticket size','Transaction >= 4 times (multiples) average ticket size (calculated over last 90 days rolling average) on the following MCCs to be highlighted in the risk reports','Cat B','{\"multiplier\": 4.0, \"target_mccs\": [\"4812\", \"5732\", \"5733\", \"5541\"], \"rolling_days\": 90}',1,'hold',7,'{\"4722\": \"Travel Agencies\", \"4812\": \"Telecommunication Equipment\", \"5045\": \"Computers/Peripherals\", \"5172\": \"Petroleum Products\", \"5732\": \"Electronics Stores\", \"5812\": \"Eating Places, Restaurants\", \"5962\": \"Direct Marketing—Travel-Related Arrangement Services\", \"7512\": \"Automobile Rental Agency—not elsewhere classified\", \"7513\": \"Truck Rental\", \"7519\": \"Motor Home and Recreational Vehicle Rental\", \"7991\": \"Tourist Attractions and Exhibits\"}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(281,'Dormant Merchant','Transaction after 30 days of inactivity','Cat B','{\"inactivity_days\": 30}',1,'hold',8,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(282,'High Value Transaction','Single transaction value ≥ AED 10,000','Cat B','{\"currency\": \"AED\", \"threshold\": 10000}',1,'hold',9,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(283,'Machines of High Value Fallback Transactions','Transaction amount >50 AED AND entry mode = 80 (Fallback) OR 90 (Magstripe)','Cat B','{\"entry_modes\": [\"80\", \"90\"], \"amount_threshold\": 50, \"entry_mode_names\": [\"Fallback\", \"Magstripe\"]}',1,'alert',10,'{}','2026-03-19 07:20:56','2026-03-19 07:20:56'),(284,'Decline Transaction Monitoring','More than 10 declines within 20 minutes at same merchant','Cat B','{\"time_window_minutes\": 20, \"decline_count_threshold\": 10, \"wrong_pin_response_codes\": [\"55\", \"75\"]}',1,'alert',16,'{\"all\": true}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(285,'New Onboarded Merchant High Decline','Merchant age <90 days AND increasing declines >5 within 20 minutes','Cat B','{\"decline_threshold\": 5, \"merchant_age_days\": 90, \"time_window_minutes\": 20}',1,'alert',17,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(286,'MI - Local Transaction Higher than 500K','Single transaction >500,000 AED (Local Cards)','Cat B','{\"card_type\": \"local\", \"amount_threshold\": 500000}',1,'hold',18,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(287,'MI - Regional Transaction Higher than 1500K','Single transaction >1,500,000 AED (Regional Cards); Hold for Cat B/C/D, Alert only for Cat A','Cat B','{\"card_type\": [\"merchant_owned_debit\", \"merchant_owned_credit\"], \"amount_threshold\": 1500000, \"cat_a_alert_only\": true, \"min_amount_threshold\": 2000}',1,'hold',19,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(288,'MI - Local Transaction Higher than 400K','Single transaction >400,000 AED (Local Cards), Excluding Cat A','Cat B','{\"card_type\": \"local\", \"amount_threshold\": 400000, \"exclude_categories\": [\"Cat A\"]}',1,'hold',20,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(289,'MI - International Transaction Higher than 100K','Single transaction >100,000 AED (International Cards)','Cat B','{\"card_type\": \"international\", \"amount_threshold\": 100000}',1,'hold',21,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(290,'MI - International Transaction Higher than 25K','Single transaction >25,000 AED (International Cards)','Cat B','{\"card_type\": \"international\", \"amount_threshold\": 25000}',1,'alert',28,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(291,'MV - 10 Cards Same BIN','More than 10 different cards from same BIN used at same merchant within 30 minutes','Cat B','{\"grouping\": [\"bin\", \"merchant_id\"], \"amount_threshold\": 501, \"time_window_minutes\": 30, \"card_count_threshold\": 10}',1,'alert',29,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(292,'MH - 20 Cards Same BIN','More than 20 different cards from same BIN used at same merchant within 30 minutes','Cat B','{\"grouping\": [\"bin\", \"merchant_id\"], \"time_window_minutes\": 30, \"card_count_threshold\": 20}',1,'alert',30,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(293,'MI - Daily Amount Limit Per Card','Accumulated daily amount per card exceeds 100K/200K AED','Cat B','{\"period\": \"daily\", \"alternative_threshold\": 200000, \"daily_limit_threshold\": 100000}',1,'alert',31,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(294,'High Value Transaction on New Merchant (First 90 Days)','Transaction >25,000 AED on merchant within first 90 days of account opening','Cat B','{\"merchant_status\": \"new\", \"amount_threshold\": 25000, \"merchant_age_days\": 90}',1,'alert',32,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(296,'MI - Suspicious International Transaction (High-Risk Countries)','Transaction from Iraq, Egypt, Libya, Mozambique exceeding 5,000 AED','Cat B','{\"country_names\": [\"Iraq\", \"Egypt\", \"Libya\", \"Mozambique\"], \"amount_threshold\": 5000, \"high_risk_countries\": [\"IQ\", \"EG\", \"LY\", \"MZ\"]}',1,'alert',34,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(297,'Suspicious High Value Manual Entry','Domestic/International transaction >5,000 AED (QR) OR POS with manual entry mode (Key-in)','Cat B','{\"entry_modes\": [\"manual\", \"keyin\"], \"amount_threshold\": 5000, \"transaction_types\": [\"QR\", \"POS\"]}',1,'alert',35,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(298,'New Merchant International Card (First 50 Days)','Merchant age <50 days AND international card transaction >20,000 AED','Cat B','{\"card_type\": \"international\", \"amount_threshold\": 20000, \"merchant_age_days\": 50}',1,'alert',36,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(299,'Expired Card Reuse at Same Merchant','Expired card (response code 01) used >50 times at same merchant','Cat B','{\"grouping\": [\"card_number\", \"merchant_id\"], \"response_code\": \"01\", \"transaction_count_threshold\": 50}',1,'alert',37,'{}','2026-03-19 07:20:56','2026-03-26 09:42:14'),(300,'High Amount of Aggregative Refunds','More than 10 refunds totaling >5,000 AED','Cat B','{\"transaction_status\": [\"refund\", \"refunded\"], \"refund_count_threshold\": 10, \"total_amount_threshold\": 5000}',1,'alert',38,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(301,'High Value Single Refund Alert','Single refund transaction >5,000 AED','Cat B','{\"amount_threshold\": 5000, \"transaction_status\": [\"refund\", \"refunded\"]}',1,'alert',39,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(303,'Transactions Followed by Frequent Successful Transactions','Transaction followed by SUCCESSFUL transaction using Different Card BUT same merchant (4+ declines then approvals - testing stolen cards with different BINs/PANs)','Cat B','{\"pattern\": \"declines_then_approvals\", \"decline_count\": 4, \"different_cards\": true, \"time_window_minutes\": 30}',1,'alert',42,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(305,'Daily Volume Above Initial Volume','Daily volume above initial volume of a Merchant','Cat B','{\"analysis_period\": \"daily\", \"baseline_period_days\": 30, \"initial_volume_multiplier\": 2.0}',1,'alert',44,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(306,'Multiple Transactions Same Amount','Multiple transactions with same amount','Cat B','{\"same_amount_count\": 5, \"time_window_minutes\": 60}',1,'alert',45,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(307,'Merchant Debit Card Transactions','Transactions Reco by debit card of the Merchants','Cat B','{\"card_type\": \"merchant_owned_debit\", \"self_transaction_detection\": true}',1,'alert',46,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(321,'Suspicious International transactions','International card transactions with value ≥ AED 10,000','Cat C','{\"currency\": \"AED\", \"threshold\": 12000.0, \"card_types\": [\"international\"], \"multiplier\": 4.8}',1,'hold',1,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(322,'Multiple Int\'l card, low value','2+ international transactions, same terminal, 2,000–5,000 AED within 30 minutes','Cat C','{\"min_count\": 2, \"threshold\": 12000.0, \"card_types\": [\"international\"], \"max_amount\": 5000, \"min_amount\": 2000, \"multiplier\": 4.8, \"time_window_minutes\": 30}',1,'hold',2,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(323,'Abnormal Time transaction','Transactions between 12AM–7AM, except certain MCCs','Cat C','{\"end_hour\": 7, \"threshold\": 12000.0, \"multiplier\": 4.8, \"start_hour\": 0, \"excluded_mccs\": [\"8062\", \"7011\", \"5542\", \"5812\"]}',1,'hold',3,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(324,'Split transaction','Same card+terminal+city, ≤10 minutes, sum ≥ AED 10,000','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"location\"], \"time_window_minutes\": 10}',1,'hold',4,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(325,'Duplicate transaction','Same card+terminal+amount, ≤10 minutes, sum ≥ AED 10,000','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"amount\"], \"time_window_minutes\": 10}',1,'hold',5,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(326,'High Velocity transaction','Same terminal, ≤2 minutes, value ≥ AED 500','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"grouping_fields\": [\"terminal_id\"], \"amount_threshold\": 500, \"time_window_minutes\": 2}',1,'hold',6,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(327,'Above-average ticket size','Transaction >= 4 times (multiples) average ticket size (calculated over last 90 days rolling average) on the following MCCs to be highlighted in the risk reports','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"target_mccs\": [\"4812\", \"5732\", \"5733\", \"5541\"], \"rolling_days\": 90}',1,'hold',7,'{\"4722\": \"Travel Agencies\", \"4812\": \"Telecommunication Equipment\", \"5045\": \"Computers/Peripherals\", \"5172\": \"Petroleum Products\", \"5732\": \"Electronics Stores\", \"5812\": \"Eating Places, Restaurants\", \"5962\": \"Direct Marketing—Travel-Related Arrangement Services\", \"7512\": \"Automobile Rental Agency—not elsewhere classified\", \"7513\": \"Truck Rental\", \"7519\": \"Motor Home and Recreational Vehicle Rental\", \"7991\": \"Tourist Attractions and Exhibits\"}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(328,'Dormant Merchant','Transaction after 30 days of inactivity','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"inactivity_days\": 30}',1,'hold',8,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(329,'High Value Transaction','Single transaction value ≥ AED 10,000','Cat C','{\"currency\": \"AED\", \"threshold\": 12000.0, \"multiplier\": 4.8}',1,'hold',9,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(330,'Machines of High Value Fallback Transactions','Transaction amount >50 AED AND entry mode = 80 (Fallback) OR 90 (Magstripe)','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"entry_modes\": [\"80\", \"90\"], \"amount_threshold\": 50, \"entry_mode_names\": [\"Fallback\", \"Magstripe\"]}',1,'alert',10,'{}','2026-03-19 07:20:57','2026-03-19 07:20:57'),(331,'Decline Transaction Monitoring','More than 10 declines within 20 minutes at same merchant','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"time_window_minutes\": 20, \"decline_count_threshold\": 10, \"wrong_pin_response_codes\": [\"55\", \"75\"]}',1,'alert',16,'{\"all\": true}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(332,'New Onboarded Merchant High Decline','Merchant age <90 days AND increasing declines >5 within 20 minutes','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"decline_threshold\": 5, \"merchant_age_days\": 90, \"time_window_minutes\": 20}',1,'alert',17,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(333,'MI - Local Transaction Higher than 500K','Single transaction >500,000 AED (Local Cards)','Cat C','{\"card_type\": \"local\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 500000}',1,'hold',18,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(334,'MI - Regional Transaction Higher than 1500K','Single transaction >1,500,000 AED (Regional Cards); Hold for Cat B/C/D, Alert only for Cat A','Cat C','{\"card_type\": [\"merchant_owned_debit\", \"merchant_owned_credit\"], \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 1500000, \"cat_a_alert_only\": true, \"min_amount_threshold\": 2000}',1,'hold',19,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(335,'MI - Local Transaction Higher than 400K','Single transaction >400,000 AED (Local Cards), Excluding Cat A','Cat C','{\"card_type\": \"local\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 400000, \"exclude_categories\": [\"Cat A\"]}',1,'hold',20,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(336,'MI - International Transaction Higher than 100K','Single transaction >100,000 AED (International Cards)','Cat C','{\"card_type\": \"international\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 100000}',1,'hold',21,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(337,'MI - International Transaction Higher than 25K','Single transaction >25,000 AED (International Cards)','Cat C','{\"card_type\": \"international\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 25000}',1,'alert',28,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(338,'MV - 10 Cards Same BIN','More than 10 different cards from same BIN used at same merchant within 30 minutes','Cat C','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 501, \"time_window_minutes\": 30, \"card_count_threshold\": 10}',1,'alert',29,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(339,'MH - 20 Cards Same BIN','More than 20 different cards from same BIN used at same merchant within 30 minutes','Cat C','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 12000.0, \"multiplier\": 4.8, \"time_window_minutes\": 30, \"card_count_threshold\": 20}',1,'alert',30,'{}','2026-03-19 07:20:57','2026-03-26 09:42:14'),(340,'MI - Daily Amount Limit Per Card','Accumulated daily amount per card exceeds 100K/200K AED','Cat C','{\"period\": \"daily\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"alternative_threshold\": 200000, \"daily_limit_threshold\": 100000}',1,'alert',31,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(341,'High Value Transaction on New Merchant (First 90 Days)','Transaction >25,000 AED on merchant within first 90 days of account opening','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"merchant_status\": \"new\", \"amount_threshold\": 25000, \"merchant_age_days\": 90}',1,'alert',32,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(343,'MI - Suspicious International Transaction (High-Risk Countries)','Transaction from Iraq, Egypt, Libya, Mozambique exceeding 5,000 AED','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"country_names\": [\"Iraq\", \"Egypt\", \"Libya\", \"Mozambique\"], \"amount_threshold\": 5000, \"high_risk_countries\": [\"IQ\", \"EG\", \"LY\", \"MZ\"]}',1,'alert',34,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(344,'Suspicious High Value Manual Entry','Domestic/International transaction >5,000 AED (QR) OR POS with manual entry mode (Key-in)','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"entry_modes\": [\"manual\", \"keyin\"], \"amount_threshold\": 5000, \"transaction_types\": [\"QR\", \"POS\"]}',1,'alert',35,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(345,'New Merchant International Card (First 50 Days)','Merchant age <50 days AND international card transaction >20,000 AED','Cat C','{\"card_type\": \"international\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 20000, \"merchant_age_days\": 50}',1,'alert',36,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(346,'Expired Card Reuse at Same Merchant','Expired card (response code 01) used >50 times at same merchant','Cat C','{\"grouping\": [\"card_number\", \"merchant_id\"], \"threshold\": 12000.0, \"multiplier\": 4.8, \"response_code\": \"01\", \"transaction_count_threshold\": 50}',1,'alert',37,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(347,'High Amount of Aggregative Refunds','More than 10 refunds totaling >5,000 AED','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"transaction_status\": [\"refund\", \"refunded\"], \"refund_count_threshold\": 10, \"total_amount_threshold\": 5000}',1,'alert',38,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(348,'High Value Single Refund Alert','Single refund transaction >5,000 AED','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"amount_threshold\": 5000, \"transaction_status\": [\"refund\", \"refunded\"]}',1,'alert',39,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(350,'Transactions Followed by Frequent Successful Transactions','Transaction followed by SUCCESSFUL transaction using Different Card BUT same merchant (4+ declines then approvals - testing stolen cards with different BINs/PANs)','Cat C','{\"pattern\": \"declines_then_approvals\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"decline_count\": 4, \"different_cards\": true, \"time_window_minutes\": 30}',1,'alert',42,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(352,'Daily Volume Above Initial Volume','Daily volume above initial volume of a Merchant','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"analysis_period\": \"daily\", \"baseline_period_days\": 30, \"initial_volume_multiplier\": 2.0}',1,'alert',44,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(353,'Multiple Transactions Same Amount','Multiple transactions with same amount','Cat C','{\"threshold\": 12000.0, \"multiplier\": 4.8, \"same_amount_count\": 5, \"time_window_minutes\": 60}',1,'alert',45,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(354,'Merchant Debit Card Transactions','Transactions Reco by debit card of the Merchants','Cat C','{\"card_type\": \"merchant_owned_debit\", \"threshold\": 12000.0, \"multiplier\": 4.8, \"self_transaction_detection\": true}',1,'alert',46,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(368,'Suspicious International transactions','International card transactions with value ≥ AED 10,000','Cat D','{\"currency\": \"AED\", \"threshold\": 15000.0, \"card_types\": [\"international\"], \"multiplier\": 6.0, \"time_window_minutes\": 20}',1,'hold',1,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(369,'Multiple Int\'l card, low value','2+ international transactions, same terminal, 2,000–5,000 AED within 30 minutes','Cat D','{\"min_count\": 2, \"threshold\": 15000.0, \"card_types\": [\"international\"], \"max_amount\": 5000, \"min_amount\": 2000, \"multiplier\": 6.0, \"time_window_minutes\": 60}',1,'hold',2,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(370,'Abnormal Time transaction','Transactions between 12AM–7AM, except certain MCCs','Cat D','{\"end_hour\": 7, \"threshold\": 15000.0, \"multiplier\": 6.0, \"start_hour\": 0, \"excluded_mccs\": [\"8062\", \"7011\", \"5542\", \"5812\"], \"time_window_minutes\": 20}',1,'hold',3,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(371,'Split transaction','Same card+terminal+city, ≤10 minutes, sum ≥ AED 10,000','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"location\"], \"time_window_minutes\": 20}',1,'hold',4,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(372,'Duplicate transaction','Same card+terminal+amount, ≤10 minutes, sum ≥ AED 10,000','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"sum_threshold\": 10000, \"grouping_fields\": [\"card_number\", \"terminal_id\", \"amount\"], \"time_window_minutes\": 20}',1,'hold',5,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(373,'High Velocity transaction','Same terminal, ≤2 minutes, value ≥ AED 500','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"grouping_fields\": [\"terminal_id\"], \"amount_threshold\": 500, \"time_window_minutes\": 4}',1,'hold',6,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(374,'Above-average ticket size','Transaction >= 4 times (multiples) average ticket size (calculated over last 90 days rolling average) on the following MCCs to be highlighted in the risk reports','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"target_mccs\": [\"4812\", \"5732\", \"5733\", \"5541\"], \"rolling_days\": 90, \"time_window_minutes\": 20}',1,'hold',7,'{\"4722\": \"Travel Agencies\", \"4812\": \"Telecommunication Equipment\", \"5045\": \"Computers/Peripherals\", \"5172\": \"Petroleum Products\", \"5732\": \"Electronics Stores\", \"5812\": \"Eating Places, Restaurants\", \"5962\": \"Direct Marketing—Travel-Related Arrangement Services\", \"7512\": \"Automobile Rental Agency—not elsewhere classified\", \"7513\": \"Truck Rental\", \"7519\": \"Motor Home and Recreational Vehicle Rental\", \"7991\": \"Tourist Attractions and Exhibits\"}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(375,'Dormant Merchant','Transaction after 30 days of inactivity','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"inactivity_days\": 30, \"time_window_minutes\": 20}',1,'hold',8,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(376,'High Value Transaction','Single transaction value ≥ AED 10,000','Cat D','{\"currency\": \"AED\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"time_window_minutes\": 20}',1,'hold',9,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(377,'Machines of High Value Fallback Transactions','Transaction amount >50 AED AND entry mode = 80 (Fallback) OR 90 (Magstripe)','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"entry_modes\": [\"80\", \"90\"], \"amount_threshold\": 50, \"entry_mode_names\": [\"Fallback\", \"Magstripe\"], \"time_window_minutes\": 20}',1,'alert',10,'{}','2026-03-19 07:20:58','2026-03-19 07:20:58'),(378,'Decline Transaction Monitoring','More than 10 declines within 20 minutes at same merchant','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"time_window_minutes\": 40, \"decline_count_threshold\": 10, \"wrong_pin_response_codes\": [\"55\", \"75\"]}',1,'alert',16,'{\"all\": true}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(379,'New Onboarded Merchant High Decline','Merchant age <90 days AND increasing declines >5 within 20 minutes','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"decline_threshold\": 5, \"merchant_age_days\": 90, \"time_window_minutes\": 40}',1,'alert',17,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(380,'MI - Local Transaction Higher than 500K','Single transaction >500,000 AED (Local Cards)','Cat D','{\"card_type\": \"local\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 500000, \"time_window_minutes\": 20}',1,'hold',18,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(381,'MI - Regional Transaction Higher than 1500K','Single transaction >1,500,000 AED (Regional Cards); Hold for Cat B/C/D, Alert only for Cat A','Cat D','{\"card_type\": [\"merchant_owned_debit\", \"merchant_owned_credit\"], \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 1500000, \"cat_a_alert_only\": true, \"time_window_minutes\": 20, \"min_amount_threshold\": 2000}',1,'hold',19,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(382,'MI - Local Transaction Higher than 400K','Single transaction >400,000 AED (Local Cards), Excluding Cat A','Cat D','{\"card_type\": \"local\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 400000, \"exclude_categories\": [\"Cat A\"], \"time_window_minutes\": 20}',1,'hold',20,'{}','2026-03-19 07:20:58','2026-03-26 09:42:14'),(383,'MI - International Transaction Higher than 100K','Single transaction >100,000 AED (International Cards)','Cat D','{\"card_type\": \"international\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 100000, \"time_window_minutes\": 20}',1,'hold',21,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(384,'MI - International Transaction Higher than 25K','Single transaction >25,000 AED (International Cards)','Cat D','{\"card_type\": \"international\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 25000, \"time_window_minutes\": 20}',1,'alert',28,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(385,'MV - 10 Cards Same BIN','More than 10 different cards from same BIN used at same merchant within 30 minutes','Cat D','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 501, \"time_window_minutes\": 60, \"card_count_threshold\": 10}',1,'alert',29,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(386,'MH - 20 Cards Same BIN','More than 20 different cards from same BIN used at same merchant within 30 minutes','Cat D','{\"grouping\": [\"bin\", \"merchant_id\"], \"threshold\": 15000.0, \"multiplier\": 6.0, \"time_window_minutes\": 60, \"card_count_threshold\": 20}',1,'alert',30,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(387,'MI - Daily Amount Limit Per Card','Accumulated daily amount per card exceeds 100K/200K AED','Cat D','{\"period\": \"daily\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"time_window_minutes\": 20, \"alternative_threshold\": 200000, \"daily_limit_threshold\": 100000}',1,'alert',31,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(388,'High Value Transaction on New Merchant (First 90 Days)','Transaction >25,000 AED on merchant within first 90 days of account opening','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"merchant_status\": \"new\", \"amount_threshold\": 25000, \"merchant_age_days\": 90, \"time_window_minutes\": 20}',1,'alert',32,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(390,'MI - Suspicious International Transaction (High-Risk Countries)','Transaction from Iraq, Egypt, Libya, Mozambique exceeding 5,000 AED','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"country_names\": [\"Iraq\", \"Egypt\", \"Libya\", \"Mozambique\"], \"amount_threshold\": 5000, \"high_risk_countries\": [\"IQ\", \"EG\", \"LY\", \"MZ\"], \"time_window_minutes\": 20}',1,'alert',34,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(391,'Suspicious High Value Manual Entry','Domestic/International transaction >5,000 AED (QR) OR POS with manual entry mode (Key-in)','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"entry_modes\": [\"manual\", \"keyin\"], \"amount_threshold\": 5000, \"transaction_types\": [\"QR\", \"POS\"], \"time_window_minutes\": 20}',1,'alert',35,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(392,'New Merchant International Card (First 50 Days)','Merchant age <50 days AND international card transaction >20,000 AED','Cat D','{\"card_type\": \"international\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 20000, \"merchant_age_days\": 50, \"time_window_minutes\": 20}',1,'alert',36,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(393,'Expired Card Reuse at Same Merchant','Expired card (response code 01) used >50 times at same merchant','Cat D','{\"grouping\": [\"card_number\", \"merchant_id\"], \"threshold\": 15000.0, \"multiplier\": 6.0, \"response_code\": \"01\", \"time_window_minutes\": 20, \"transaction_count_threshold\": 50}',1,'alert',37,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(394,'High Amount of Aggregative Refunds','More than 10 refunds totaling >5,000 AED','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"transaction_status\": [\"refund\", \"refunded\"], \"time_window_minutes\": 20, \"refund_count_threshold\": 10, \"total_amount_threshold\": 5000}',1,'alert',38,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(395,'High Value Single Refund Alert','Single refund transaction >5,000 AED','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"amount_threshold\": 5000, \"transaction_status\": [\"refund\", \"refunded\"], \"time_window_minutes\": 20}',1,'alert',39,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(397,'Transactions Followed by Frequent Successful Transactions','Transaction followed by SUCCESSFUL transaction using Different Card BUT same merchant (4+ declines then approvals - testing stolen cards with different BINs/PANs)','Cat D','{\"pattern\": \"declines_then_approvals\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"decline_count\": 4, \"different_cards\": true, \"time_window_minutes\": 60}',1,'alert',42,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(399,'Daily Volume Above Initial Volume','Daily volume above initial volume of a Merchant','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"analysis_period\": \"daily\", \"time_window_minutes\": 20, \"baseline_period_days\": 30, \"initial_volume_multiplier\": 2.0}',1,'alert',44,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(400,'Multiple Transactions Same Amount','Multiple transactions with same amount','Cat D','{\"threshold\": 15000.0, \"multiplier\": 6.0, \"same_amount_count\": 5, \"time_window_minutes\": 120}',1,'alert',45,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(401,'Merchant Debit Card Transactions','Transactions Reco by debit card of the Merchants','Cat D','{\"card_type\": \"merchant_owned_debit\", \"threshold\": 15000.0, \"multiplier\": 6.0, \"time_window_minutes\": 20, \"self_transaction_detection\": true}',1,'alert',46,'{}','2026-03-19 07:20:59','2026-03-26 09:42:14'),(415,'High Transactions Decline Rate Merchant\'s','Transaction coming from high decline rate Merchant\'s. Average 20% decline rates in last 30 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat A','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'hold',11,'{}','2026-03-26 09:42:14','2026-03-26 09:42:14'),(416,'High Transactions Decline Rate Merchant\'s','Transaction coming from high decline rate Merchant\'s. Average 20% decline rates in last 30 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat B','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'hold',11,'{}','2026-03-26 09:42:14','2026-03-26 09:42:14'),(417,'High Transactions Decline Rate Merchant\'s','Transaction coming from high decline rate Merchant\'s. Average 20% decline rates in last 30 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat C','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'hold',11,'{}','2026-03-26 09:42:14','2026-03-26 09:42:14'),(418,'High Transactions Decline Rate Merchant\'s','Transaction coming from high decline rate Merchant\'s. Average 20% decline rates in last 30 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat D','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'hold',11,'{}','2026-03-26 09:42:14','2026-03-26 09:42:14'),(423,'Round Figure Transaction using same card at Multiple Merchants','Scenario which includes transaction in round figures (In Multiple of 100) using the same card and at multiple merchant location in the same city in a same day – Sum Transaction value => 2000 AED (Are highlighted in daily risk report for scrutiny and further actions)','Cat A','{\"currency\": \"AED\", \"min_total_amount\": 2000, \"time_window_hours\": 24, \"min_merchant_count\": 2, \"same_city_required\": true, \"round_figure_multiple\": 100}',1,'hold',12,'{}','2026-03-26 10:03:13','2026-03-26 10:03:13'),(424,'Round Figure Transaction using same card at Multiple Merchants','Scenario which includes transaction in round figures (In Multiple of 100) using the same card and at multiple merchant location in the same city in a same day – Sum Transaction value => 2000 AED (Are highlighted in daily risk report for scrutiny and further actions)','Cat B','{\"currency\": \"AED\", \"min_total_amount\": 2000, \"time_window_hours\": 24, \"min_merchant_count\": 2, \"same_city_required\": true, \"round_figure_multiple\": 100}',1,'hold',12,'{}','2026-03-26 10:03:13','2026-03-26 10:03:13'),(425,'Round Figure Transaction using same card at Multiple Merchants','Scenario which includes transaction in round figures (In Multiple of 100) using the same card and at multiple merchant location in the same city in a same day – Sum Transaction value => 2000 AED (Are highlighted in daily risk report for scrutiny and further actions)','Cat C','{\"currency\": \"AED\", \"min_total_amount\": 2000, \"time_window_hours\": 24, \"min_merchant_count\": 2, \"same_city_required\": true, \"round_figure_multiple\": 100}',1,'hold',12,'{}','2026-03-26 10:03:13','2026-03-26 10:03:13'),(426,'Round Figure Transaction using same card at Multiple Merchants','Scenario which includes transaction in round figures (In Multiple of 100) using the same card and at multiple merchant location in the same city in a same day – Sum Transaction value => 2000 AED (Are highlighted in daily risk report for scrutiny and further actions)','Cat D','{\"currency\": \"AED\", \"min_total_amount\": 2000, \"time_window_hours\": 24, \"min_merchant_count\": 2, \"same_city_required\": true, \"round_figure_multiple\": 100}',1,'hold',12,'{}','2026-03-26 10:03:13','2026-03-26 10:03:13'),(427,'Round Figure Transaction on same Terminal','Scenario which includes high frequency of transactions in round figures on any single Merchant (in Multiple of 100) using any card – Round figure transaction rate is more than 25% in last 90 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat A','{\"period_days\": 90, \"round_multiples\": [100], \"round_figure_threshold_percent\": 0.25}',1,'hold',13,'{}','2026-03-26 10:08:27','2026-03-26 10:08:27'),(428,'Round Figure Transaction on same Terminal','Scenario which includes high frequency of transactions in round figures on any single Merchant (in Multiple of 100) using any card – Round figure transaction rate is more than 25% in last 90 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat B','{\"period_days\": 90, \"round_multiples\": [100], \"round_figure_threshold_percent\": 0.25}',1,'hold',13,'{}','2026-03-26 10:08:27','2026-03-26 10:08:27'),(429,'Round Figure Transaction on same Terminal','Scenario which includes high frequency of transactions in round figures on any single Merchant (in Multiple of 100) using any card – Round figure transaction rate is more than 25% in last 90 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat C','{\"period_days\": 90, \"round_multiples\": [100], \"round_figure_threshold_percent\": 0.25}',1,'hold',13,'{}','2026-03-26 10:08:27','2026-03-26 10:08:27'),(430,'Round Figure Transaction on same Terminal','Scenario which includes high frequency of transactions in round figures on any single Merchant (in Multiple of 100) using any card – Round figure transaction rate is more than 25% in last 90 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat D','{\"period_days\": 90, \"round_multiples\": [100], \"round_figure_threshold_percent\": 0.25}',1,'hold',13,'{}','2026-03-26 10:08:27','2026-03-26 10:08:27'),(431,'Transaction followed by Fraud-Suspect declined transaction with Same Card','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with same card, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat A','{\"lookback_count\": 5, \"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"]}',1,'hold',14,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(432,'Transaction followed by Fraud-Suspect declined transaction with Same Card','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with same card, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat B','{\"lookback_count\": 5, \"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"]}',1,'hold',14,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(433,'Transaction followed by Fraud-Suspect declined transaction with Same Card','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with same card, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat C','{\"lookback_count\": 5, \"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"]}',1,'hold',14,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(434,'Transaction followed by Fraud-Suspect declined transaction with Same Card','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with same card, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat D','{\"lookback_count\": 5, \"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"]}',1,'hold',14,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(435,'Transaction followed by Fraud-Suspect declined transaction with different Card but same amount','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with different card but same amount, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat A','{\"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"amount_match_threshold\": 0.99}',1,'hold',15,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(436,'Transaction followed by Fraud-Suspect declined transaction with different Card but same amount','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with different card but same amount, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat B','{\"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"amount_match_threshold\": 0.99}',1,'hold',15,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(437,'Transaction followed by Fraud-Suspect declined transaction with different Card but same amount','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with different card but same amount, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat C','{\"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"amount_match_threshold\": 0.99}',1,'hold',15,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(438,'Transaction followed by Fraud-Suspect declined transaction with different Card but same amount','Transaction that are followed by declined transactions with fraudulent-suspect response codes, with different card but same amount, are kept on Hold and scrutinized for further action (If to be put on hold or release in Merchant account)','Cat D','{\"time_window_minutes\": 60, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"amount_match_threshold\": 0.99}',1,'hold',15,'{}','2026-03-26 10:36:15','2026-03-26 10:36:15'),(439,'High Chargeback Rate','Merchants with chargeback rates exceeding 1% of total transactions or more in a 30-day period','Cat A','{\"period_days\": 30, \"chargeback_threshold_percent\": 0.01}',1,'alert',22,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(440,'High Chargeback Rate','Merchants with chargeback rates exceeding 1% of total transactions or more in a 30-day period','Cat B','{\"period_days\": 30, \"chargeback_threshold_percent\": 0.01}',1,'alert',22,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(441,'High Chargeback Rate','Merchants with chargeback rates exceeding 1% of total transactions or more in a 30-day period','Cat C','{\"period_days\": 30, \"chargeback_threshold_percent\": 0.01}',1,'alert',22,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(442,'High Chargeback Rate','Merchants with chargeback rates exceeding 1% of total transactions or more in a 30-day period','Cat D','{\"period_days\": 30, \"chargeback_threshold_percent\": 0.01}',1,'alert',22,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(443,'High Fraud Rate','Merchants with fraud rates exceeding 0.5% of total transactions or more in a calendar month. All MCCs to be included. Compare total refunds to total successful sales','Cat A','{\"period_days\": 30, \"fraud_threshold_percent\": 0.005}',1,'alert',23,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(444,'High Fraud Rate','Merchants with fraud rates exceeding 0.5% of total transactions or more in a calendar month. All MCCs to be included. Compare total refunds to total successful sales','Cat B','{\"period_days\": 30, \"fraud_threshold_percent\": 0.005}',1,'alert',23,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(445,'High Fraud Rate','Merchants with fraud rates exceeding 0.5% of total transactions or more in a calendar month. All MCCs to be included. Compare total refunds to total successful sales','Cat C','{\"period_days\": 30, \"fraud_threshold_percent\": 0.005}',1,'alert',23,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(446,'High Fraud Rate','Merchants with fraud rates exceeding 0.5% of total transactions or more in a calendar month. All MCCs to be included. Compare total refunds to total successful sales','Cat D','{\"period_days\": 30, \"fraud_threshold_percent\": 0.005}',1,'alert',23,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(447,'Round or Unusual Amount Patterns','Unusually high proportion (>25%) of transactions in round figures (multiples of 100/1000) at a single merchant within a rolling 90-day window.','Cat A','{\"period_days\": 90, \"round_multiples\": [100, 1000], \"round_figure_threshold_percent\": 0.25}',1,'alert',24,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(448,'Round or Unusual Amount Patterns','Unusually high proportion (>25%) of transactions in round figures (multiples of 100/1000) at a single merchant within a rolling 90-day window.','Cat B','{\"period_days\": 90, \"round_multiples\": [100, 1000], \"round_figure_threshold_percent\": 0.25}',1,'alert',24,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(449,'Round or Unusual Amount Patterns','Unusually high proportion (>25%) of transactions in round figures (multiples of 100/1000) at a single merchant within a rolling 90-day window.','Cat C','{\"period_days\": 90, \"round_multiples\": [100, 1000], \"round_figure_threshold_percent\": 0.25}',1,'alert',24,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(450,'Round or Unusual Amount Patterns','Unusually high proportion (>25%) of transactions in round figures (multiples of 100/1000) at a single merchant within a rolling 90-day window.','Cat D','{\"period_days\": 90, \"round_multiples\": [100, 1000], \"round_figure_threshold_percent\": 0.25}',1,'alert',24,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(451,'High Decline/Authorization Failure Rate','Merchants where >20% of transaction attempts are declined. Analyze the decline reasons and compare to merchant\'s historical pattern.','Cat A','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'alert',25,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(452,'High Decline/Authorization Failure Rate','Merchants where >20% of transaction attempts are declined. Analyze the decline reasons and compare to merchant\'s historical pattern.','Cat B','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'alert',25,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(453,'High Decline/Authorization Failure Rate','Merchants where >20% of transaction attempts are declined. Analyze the decline reasons and compare to merchant\'s historical pattern.','Cat C','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'alert',25,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(454,'High Decline/Authorization Failure Rate','Merchants where >20% of transaction attempts are declined. Analyze the decline reasons and compare to merchant\'s historical pattern.','Cat D','{\"period_days\": 30, \"fraud_response_codes\": [\"04\", \"07\", \"41\", \"43\", \"59\", \"63\", \"65\", \"67\", \"69\"], \"decline_rate_threshold\": 0.2}',1,'alert',25,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(455,'Sudden Drop in Daily Transaction Volume','Alert if a merchant\'s daily transaction volume drops by more than 50% compared to their average daily volume over the past 30 days, and this drop persists for 3 consecutive days','Cat A','{\"baseline_period_days\": 30, \"consecutive_days_required\": 3, \"volume_drop_threshold_percent\": 0.5}',1,'alert',26,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(456,'Sudden Drop in Daily Transaction Volume','Alert if a merchant\'s daily transaction volume drops by more than 50% compared to their average daily volume over the past 30 days, and this drop persists for 3 consecutive days','Cat B','{\"baseline_period_days\": 30, \"consecutive_days_required\": 3, \"volume_drop_threshold_percent\": 0.5}',1,'alert',26,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(457,'Sudden Drop in Daily Transaction Volume','Alert if a merchant\'s daily transaction volume drops by more than 50% compared to their average daily volume over the past 30 days, and this drop persists for 3 consecutive days','Cat C','{\"baseline_period_days\": 30, \"consecutive_days_required\": 3, \"volume_drop_threshold_percent\": 0.5}',1,'alert',26,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(458,'Sudden Drop in Daily Transaction Volume','Alert if a merchant\'s daily transaction volume drops by more than 50% compared to their average daily volume over the past 30 days, and this drop persists for 3 consecutive days','Cat D','{\"baseline_period_days\": 30, \"consecutive_days_required\": 3, \"volume_drop_threshold_percent\": 0.5}',1,'alert',26,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(459,'Significant Decrease in Weekly/Monthly Volume','Alert if the merchant\'s total weekly (or monthly) transaction volume drops by more than 50% compared to the average of the previous 4 weeks (or months)','Cat A','{\"comparison_period_weeks\": 4, \"comparison_period_months\": 1, \"volume_drop_threshold_percent\": 0.5}',1,'alert',27,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(460,'Significant Decrease in Weekly/Monthly Volume','Alert if the merchant\'s total weekly (or monthly) transaction volume drops by more than 50% compared to the average of the previous 4 weeks (or months)','Cat B','{\"comparison_period_weeks\": 4, \"comparison_period_months\": 1, \"volume_drop_threshold_percent\": 0.5}',1,'alert',27,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(461,'Significant Decrease in Weekly/Monthly Volume','Alert if the merchant\'s total weekly (or monthly) transaction volume drops by more than 50% compared to the average of the previous 4 weeks (or months)','Cat C','{\"comparison_period_weeks\": 4, \"comparison_period_months\": 1, \"volume_drop_threshold_percent\": 0.5}',1,'alert',27,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(462,'Significant Decrease in Weekly/Monthly Volume','Alert if the merchant\'s total weekly (or monthly) transaction volume drops by more than 50% compared to the average of the previous 4 weeks (or months)','Cat D','{\"comparison_period_weeks\": 4, \"comparison_period_months\": 1, \"volume_drop_threshold_percent\": 0.5}',1,'alert',27,'{}','2026-03-26 10:40:00','2026-03-26 10:40:00'),(463,'International BIN ( International Trax 100% 1 day)','100% transactions in 24h is on International BINs','Cat A','{\"time_window_hours\": 24, \"min_transaction_count\": 1, \"international_bin_threshold_percent\": 1.0}',1,'alert',39,'{}','2026-03-26 10:44:00','2026-03-27 06:29:24'),(464,'International BIN ( International Trax 100% 1 day)','100% transactions in 24h is on International BINs','Cat B','{\"time_window_hours\": 24, \"min_transaction_count\": 1, \"international_bin_threshold_percent\": 1.0}',1,'alert',40,'{}','2026-03-26 10:44:00','2026-03-26 10:44:00'),(465,'International BIN ( International Trax 100% 1 day)','100% transactions in 24h is on International BINs','Cat C','{\"time_window_hours\": 24, \"min_transaction_count\": 1, \"international_bin_threshold_percent\": 1.0}',1,'alert',40,'{}','2026-03-26 10:44:00','2026-03-26 10:44:00'),(466,'International BIN ( International Trax 100% 1 day)','100% transactions in 24h is on International BINs','Cat D','{\"time_window_hours\": 24, \"min_transaction_count\": 1, \"international_bin_threshold_percent\": 1.0}',1,'alert',40,'{}','2026-03-26 10:44:00','2026-03-26 10:44:00'),(467,'High Frequency Chargeback Merchant\'s','Transaction coming from high frequency chargeback Merchant\'s having 2 or more chargeback received in last 30 days (Are highlighted in daily risk report for scrutiny and further actions)','Cat A','{\"action\": \"hold_for_scrutiny\", \"period_days\": 30, \"chargeback_count_threshold\": 2}',1,'hold',10,'{\"all\": true}','2026-03-27 05:15:29','2026-03-27 05:15:29'),(468,'Out-of-Profile Geographic Behavior (Domestic to International Shift)','Merchant suddenly starts receiving significant transactions from cards issued in new, unrelated geographies. (Immediate effective date)\nCompare the current cardholder country mix to the prior history.\n','Cat A','{\"action\": \"hold\", \"period_days\": 7, \"geographic_shift\": \"domestic_to_international\", \"shift_threshold_percent\": 0.3}',1,'hold',20,'{\"all\": true}','2026-03-27 05:26:58','2026-03-27 05:40:08'),(469,'Excessive Refunds or Reversals','Scenario: Merchants with refund/reversal rates exceeding 10% of total transactions greater than Rs 50 of Total','Cat A','{\"action\": \"alert_generation\", \"currency\": \"AED\", \"min_transaction_amount\": 50, \"refund_threshold_percent\": 0.1}',1,'alert',21,'{\"all\": true}','2026-03-27 05:26:58','2026-03-27 05:26:58');
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