Results for “credit-usage”

Applies the PCI-DSS framework to identify, assess, and mitigate security risks in systems, processes, and data handling.

Use to identify signals of customer vulnerability in support conversations and audit whether they were recognised and acted on. Trigger for "identify vulnerable customers", "did we spot the vulnerability signals", "customers in financial difficulty", bereavement or health disclosures in support, vulnerable customer handling audits, or designing vulnerability recognition for a support team.

Detect abuse of service accounts through anomalous interactive logons, privilege escalation, lateral movement, and unauthorized access patterns.

Per-page UX audit using NN/g heuristics, Intuit microcopy, and Google HEART. Use when evaluating usability, auditing microcopy, checking UX heuristics, or assessing cognitive load. Cross-page flows/IA → audit-ux-journeys. Layout/breakpoints → audit-responsive. Empty/error states → audit-ui-states.

Use to measure customer effort from behavioural signals instead of CES surveys, and to audit whether a composite effort score is honest. Trigger for "customer effort score", "behavioural CES", effort without survey, repeat contacts and channel switches, transfers and reopens, or "our CES doesn't match operational data".

Use to audit how payment disputes, chargebacks and unrecognised-transaction claims are handled against scheme deadlines and evidence standards. Trigger for "audit our dispute handling", "chargeback quality review", "are we meeting scheme deadlines", unrecognised transaction claims, provisional credit decisions, or a customer complaining their dispute was rejected unfairly.

Implement PCI DSS compliance requirements for secure handling of payment card data and payment systems. Use when securing payment processing, achieving PCI compliance, or implementing payment card security measures.

Use to design or audit the support contribution to a customer health score, so the score predicts something instead of averaging weakly-related signals into a colour. Trigger for "build a customer health score", "add support signal to health scoring", "our health scores don't predict churn", red/amber/green account scoring, or a health score nobody trusts.

Detect and exploit race condition vulnerabilities in web applications using Turbo Intruder's single-packet attack technique to bypass rate limits, duplicate transactions, and exploit time-of-check-to-time-of-use flaws.

Personal finance review skill for individuals who want to understand their spending, budgets, and financial patterns. Use whenever the user wants to analyze expenses, categorize spending, review a budget, build a budget from scratch, analyze debt, audit subscriptions, understand their savings rate, or track progress toward a financial goal. Triggers: "help me review my spending", "here are my expenses", "can you look at my budget", "help me build a budget", "I want to understand where my money goes", "categorize these transactions", "help me pay off my debt", "audit my subscriptions", "am I saving enough", "am I on track for my goal", "analyze my finances", or any time the user shares financial data (even raw or messy) and wants insight. Does NOT provide investment, tax, or financial planning advice — helps users understand their own data. Trigger proactively when the user pastes transactions, expenses, or any money-related data, even without an explicit request for analysis.

Use when for crm audit.

Authentication and credential security assessment. Tests password brute-force, credential stuffing, password spraying, default credential testing, credential harvesting, lockout analysis, MFA bypass, OAuth/OIDC abuse, session token entropy, Kerberos attacks, and intelligent wordlist generation. Uses hydra, john, ncrack, medusa, cewl, crunch, netexec, impacket, kerbrute, and nuclei default-login templates. Covers OWASP A07:2021 Identification and Authentication Failures.

Use to audit arrears, collections and financial-difficulty conversations for fair treatment — forbearance offered, pressure absent, vulnerability recognised. Trigger for "audit our collections calls", "are we treating customers in arrears fairly", "did we offer forbearance", financial difficulty handling, payment plan conversations, or a complaint about collections conduct.

Use for PPC work when Codex should audit Meta Ads account structure, delivery, learning, attribution, creative, audience, and spend evidence.