Fraud Detection from Bank Statements

Red flags jo statement me dikhte hain

• Chhote-chhote repeated debits (₹10-500) — subscription traps ya card-testing
• Unknown POS/ECOM merchants — card details leak
• Duplicate UPI/NEFT debits same amount+date — converter yellow-flag karta hai
• Unnecessary charges — insurance add-ons jo tumne liye nahi
• Odd-hour transactions — 2-4 AM wale automated debits

Audit — 10 minute me

1. 3-6 mahine ke statements converter me
2. Description column me sort → unknown merchants list karo
3. Duplicate-marked rows verify karo (genuine ya double-charge)
4. Fees & Charges total dekho — unusual spikes dhundo

Fraud mila to?

3 din me bank ko report (RBI rule — zero liability agar 3 din me report), card hotlist, cybercrime.gov.in pe complaint, FIR agar bada amount.