Dimension 01 / 04
Detection Thresholds
Synthetic ID Reject Score Cutoff 75
0 — Permit all50100 — Reject all
Scores ≥ this value from T321 trigger rejection. Recommended: 75–85 per FRB SR 2022.
ATO Step-Up Score Cutoff 60
050100
Scores ≥ this value trigger step-up authentication (MFA, device re-challenge).
Detection Model Version Tag
Label the model version this mandate is calibrated against. Used in AP2 audit metadata only.
Dimension 02 / 04
APP Scam Controls
Confirmation of Payee (CoP) Enforcement
UK FPS CoP v3.0 and PSR PS23/3 require CoP for FPS payments. Setting to Off while accepting PSR reimbursement liability is a policy contradiction.
Delay Friction Policy
PSR guidance permits a 24-hour hold for high-risk payments. Warning = display enhanced warning screen.
PSR PS23/3 Reimbursement Policy
Dimension 03 / 04
Loss Tolerance
Fraud Loss Budget 8 bps
1 bps2550 bps
Maximum acceptable total fraud loss as basis points of monthly payment volume.
Max CNP Fraud Rate 5 bps
1 bps1530 bps
Card-Not-Present fraud. Agents trigger step-up when this threshold is breached.
Max ATO Fraud Rate 2 bps
1 bps1020 bps
Account Takeover fraud rate. Triggers enhanced monitoring at account level.
Max APP Fraud Rate 3 bps
1 bps1225 bps
Authorised Push Payment fraud rate. Relevant to PSR PS23/3 liability exposure.
Dimension 04 / 04
Reporting Triggers
SAR Auto-File Threshold
£/$
Fraud losses or confirmed APP scams at or above this amount trigger auto-SAR filing workflow.
Escalation Chain
Used in policy summary only — not stored or transmitted. Enter role titles, not names.
Board Reporting Frequency
Frequency of fraud loss and risk posture reporting to board or board Risk Committee.