1---2name: fraud-detection3description: Use to monitor, investigate, and prevent abuse within referral programs.4---5
6# Referral Fraud Detection Skill
7
8## When to Use
9- Designing safeguards for new referral initiatives.
10- Investigating suspicious referral spikes, duplicate accounts, or payout anomalies.
11- Reporting on program integrity for finance, legal, or compliance teams.
12
13## Framework
141. **Signal Collection** – IP/device matching, velocity checks, blacklist databases, manual reviews.
152. **Scoring Model** – assign risk scores by cohort (new accounts, high-volume referrers, geo mismatch).
163. **Workflow Automation** – auto-flag, queue for review, or pause rewards until verified.
174. **Investigation Runbook** – define evidence gathering, communication templates, and resolution paths.
185. **Feedback Loop** – update heuristics, adjust incentives, and communicate policy changes.
19
20## Templates
21- Fraud monitoring dashboard outline (metrics, thresholds, owners).
22- Investigation log (case ID, referrer, signals, action taken, notes).
23- Policy update checklist (legal, comms, ops, partner notifications).
24
25## Tips
26- Combine automated checks with random manual audits for accuracy.
27- Align with legal/finance on clawback procedures before launch.
28- Share learnings with `incentive-design` to discourage risky behavior.
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