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frSjqYvNZM\/E2p\/qWjQnTOwE8SqDig6B9ui+jIg7bD+OoQ0w0FbxsSq1ppmjC7A0gWKWLW9fKv5SeayDmklld30FYwesMAuBQMrRj48KC6Lwblapb6gOYOhSxThiZkyHrgK0HqrhYxzlsFokW93KXWDeEbqFDnyd1MVPV0rZSb0wZskiIkiZiaoD0B\/yqlMAxdu65M8NCUEBjzPkgUT3igyl8DAVzuZz3UxgAVa3YdA6iBvVGaaH4ShzH4rHXoXc7t6cx4eqjdzroE725Lo+4rZ0ypLDOHWBHBhCN+Dp9JXf7lpojYCX53WSkwzTsHoGBJ1qq2lnURhEhOAjTSVAHAvAPejXLsHAPC\/tk5r8Jmm6xMh9U5SVeZrFZ1px7uJVfl1Isyh02oOnVZz6FS7t6QzpSzlZNpVSZnmhoxmwpjRhV6ZyWHsknea1NuqmBtegEhaxs+1nNGKt+oLocbpklUFBmkF6gkaHP+9LuI2KOobQM9YzhNBoeh2fTL3V92nu6W410lqB8Rc+DImpnzWxH+UHg6FLVmceOApC3z1o8yy2+Z+PunJaDNCt\/hN9NweKx5XkGkBLAnuoiTh8yCevYrpNGSeVAKZ5mV0JdYM6m+ai3+DJcJvsD74TVsbo\/oT3jZ6n23CBCtiD4Z09aJm+B2e91gjmidcK4+bt2BdtoD3pd+8j5WbpR2fdV6xn9MX78Cw9iqJWZhMaXgp3MLa6XHbC5rSd5CMcrc2uZu0U532rFsUML2SpfBOPSZZgHfLOO2WITNKvoJUYDpvB4UAVQwu5RDpJO\/WJnbRnur\/L6pKwMDo2wwSVtcCJoX1K5NDcgqqKWPfCpbzyziIwLsavwaHiOqy1sEYaDQOIqE55KuKvp9Rbg\/+86SPOndpCP7pK0b+ufhnB+lftggE8xejpOBEkbjOvyrf3at9WWDLyew7NqCJYvb7p6tzG6fdP5p0XFcjpvVxUJIzMBsxLDGxWzuIhJOnfj90Ri0YgZ0BM5RcYS7JOw1McRWcMWTBVMPQx0vh3GhXYLeDJbIaEqSFEPjqFUPbK9YNZSPq7TkxLj6pSPODNfPUW6wjs\/tpILCrFpEibBCGtq9Ytb8jF4TC3lI6QRJ\/VHy5F4+bHwmyyfdvWFNMYdlHtTXegINBLPGodo8NHMDy8O8kiR4eTuVSjv9oMrGExvlD7ayXYyZNaTkz3oIo4MuSyw1YYd8P6G5t+BqWAWNIW1v\/Vrdr8xY836orfQbXeGPe2oYzUpfSbXCN78112amVMmianLKeXqZXrggKKpnF\/K+Rq4EBimvAl5Gr8STtTP03rLenEGhp4C4u5EO0813lYG5ypD0HCL2gmhdEQ8VUhlQLPFNRKifG1cVVk3JVpVwRYRIsfyHkVoiWom2oiQWHKsrBUAZWIpoq1fxYJ4uBJX6q1D+kkqeiHBfK4UF6yVUXU3hDZZM\/8NinIFVRmdSbqkWWJxmhF0qaBMKINBWlbeEnweuVTbUq+dpziBCACAtNYNH1QaZc0ZQXGTgcG1RUBXWu0bZySL6f\/sNcri3YJldXQqe5lW1NCDHQNiXb1BTlY5dG5nZt5qL35tqmxLBOrQIp5EK0zTqphbCyIRgFVj\/wZjiOBUUGsTs3xYCeb9KEC3\/B6LZ2Goxuhffk3sy1exwFnmkLhOGtcLBMsApIw1upPJyKDFBE3fF23emVkkEQAtxj3CNGutCKtCb9MW9STVAuQ3kfNRaauBSNXYs3w4F9q04rxbgSi3cxoMQK3pLbWTlTUy0KIOgAyxdIgwH\/q5pq94PrcevC0nFNx+5QrhZssKoH3fFVjOO6XDmcXwlt8lUM6LoiOa5fCYVSK5c\/Gv9B2fiAdWeUaimQ+IWALMWX4fQsacaqGDzp9D0\/RNtUODQq42o3sEHMVV5GZ80WqJCBzFKv7eoGpZpLI209Ymz8WbRDAjajL+PPPepTJgYlgmbUs5MYkbW0P21SCF5TeFK48yYAq0yZesNUaCl2RR+kHT33YbdH4SVJLypS5TCwPBYyzg76\/QoY1O9Mbd\/RYYwJmr1q738vcwRXfmkUe49IwX9QMrmYz9Vboa1uW21lfa\/ltW6i+Lajm6TZ4oaBu3gVpXwD5mz7pfZmto+1qZCibc34TvI3VinCX1SquTwL37LNwwPVIsbpW7ZBDfOplmZg6\/KXzKdFyNV6HSSHL0xumsdCTsU2gnZ4bBpjeOCWFW2tLx8Nf5E\/nwc+f8s2F5D11DS00725v3Zzg9Dwkpzo49fS7HOBf0Pl4UG8EAVtY6Ya2jGu7Z6GhQJhVGN+rTDHT+PqNe7vSQSBgf9WL3cwLrMsWd2A6wZSpUIeLaVKliqz3Jfjo\/DstFmGP87yOe3gS+zR8jv4L5NV\/CjHsJ\/jaVmXiUY97xXAboKcs5hlaj0HelAy\/sREeMRTSDB2FHz9faQiVfCH76O4NHZZqOCuL3j\/sP65gfvdykJGgeqPT5C0mjMg5RvD25TmebBk1XS7H92bhmKQKvjlEwUu2EYy8yuTo8tju6uMyzDsrCGoy\/+HKPdJEo1gEdEuEN73hohbZBmL+SeazZg4urLLDFmU0o4fUWQQ14Pn5IkBIdCSgrdDZwdTDpGydhDOIMJ4xs68xhE7k0HGzJ4xZw9HKoa9Z9Uex15+KA0\/IpoWgaO0YfARVBixs3dNhZGo8B2zI+b01iiigjkjVVzORwaO4PfTnGVLll3A3kEf1N1uh60wMSlXC7XAV+cMbedMSyS2mqBSIO2dYcMAulkdZOSyZlrcfjLf4YzBQtr8A2eMz1nEuh72OsroriYA++HmU7LjvK8npmonqFlGVIsHfG8uHx4aEwbsuol2jMCl7wf8RbJ+alsJ8ooIACzKtg\/hc+LUS5rG0hCm1VIgXnehBkBbM6vZT+vu2HU2B9cD1X14MLQjhHBnI6+Lct2iVO3sG6cbs2ee4nuzk\/krkrsYfRaLHozTeNbbfwJ7vtB48iJMpm1PcNGWqi4UI0158V1NuRgCQZO8V\/ZNuzy+R1up23YWqvfIuid62fYoL8jdJI7Fuq1MKu32Y838Pbyucv4eXqufv4fV05p7ERvF+STGrq7ci9RTl\/WIp0S3aEfB0Eq\/UGd\/IR0NE\/hqAUfuWMzfJR5D2+5XL\/azQOVT84oYy7Vt1J1rq5m23plzS1x5Jnv9Si5MwZymlW+BVr4Fqt1LK\/oPYeC15tBvzXE7GTf8M7GTyY+jJGPpLuhHsXDQNxB2CYfEdJwRHftExxu5fJDnsX4yxjH5mYDLoBdwmXRmuKjaJl2R4EmvRvFEaMGqCT7InsRogg+Sx8EHxWAO8MfBB9lg3rFTZw2JTKN5ylyOb0iBr0gxXgmP2HmGtlcks25INlhVCzpQWcXoplJW2egK3lbmDZ6bVx2h36lo61cbL5vGSI\/727pzsa07l1E18c5WRoEzCKgWTtoYz1SEeYf2RbVq8KGa\/S60u+46AtZNorE335FH5WVaNV6mG+llWjVeppsdL9NlWyzUgK8Ik44m+VBvYBa7gXlopqJ28r1qvUPCl4SvOuutek21wldyTfVdd5HV9QO1hE1V9HNZ2nCZ\/0NTqrXjo7aUZfAjk\/tSDKIfWLjT7yKB2r+XKi39j8yjSEXWomcdwWK0sY0CVEY\/ZxrdtZZRZRUt9llFrZYS1fYn75WcvJNHk\/cN2q7Um3byFt\/fmbw37eTtPzF5+6isG9ubtoOfmI6F4H5inp3+CK8SX+CrSW92S56a3ZIfzm71uWTw7z6extC2Oz1Nd6anfshAQnQ4UVrN1qOJlZw1U3dMEpw0ETmcMDtxcAGPoeHgjDA7drAPj6H0cxXnHkTbnHvyCN+Zmo04GqjeqEBj1R8VaMjRNiC\/BGUT4x109gB65xlDLa6OVffOQbP64PouNO4cx2UIy7hNOMXOz5jF60iIgnhwWJdymzs41MJ4ZnPwEdncIXBaxErkm+FUp2ntNoYF1L1\/dmL5dWEbURiEPdkcTjP7gwkU2gOI2KWsOlAuTH7hS4mhmqydcgK8MRM8Z2szxinlnfCs6sh9RGJ77uBZN4hqVsdCRVBwJCz5mtg7MrHuzoyJdScEOKujoyL7DlDvgK5y1ovTbsPA\/CDunJCei93rrSx1ZOAFmQ1mTUU50a38jFl5zZVLEti5M5rjKUngJcL35HJwOZwOpsLOPluI3jFlouDYzh3UxrKVC3Jv3ZG86R931XbfmpHty8lH8z3++Mr8C083HOLxGfaY+1HEnXHxfsXCMDf\/ZNgLZgHPzd8ZXkTmW4azeGa+ZtgNaZSav+K8iMzPDEd0wT5kyT\/mimH2raDhK5rxORwwhYKu4Tic+W+GU34df4CotinDceCyt5G5YKW1G\/AdErs633dUH+hzD7vn8zyV4QAnEjvu9q1eR63uH9CF8krOmpsw7NgpYztxyKQ6aWPH1RF45OxcDXDavRqgwcKbzujvVRn4KnTJnQCjOdFx1DmfPAPvwVnQ+A6qnIE9c+CyBkI42s6HxLBEcQJsOA6Ey0RDUp3JlfsD0Xh+DhEhPowDw5L2q0QAc0pGGsXEtwrJi6YJTdxeUYYMzoduwGzORzHjqyRbKA7ZRonXDZ9rFB\/T4sRjeUU9TgjTPJbmOMYcF81wx34tl5joVnwWWLG4XKKWieU30gGkguhWcZbULCkErp3YhWg68MKXX7r4KqXe2FfDRpZrO08XDHvMTWnNac2qMgQdpZMsSqvTykqe+yqe9xpUnZeyorPAiuo+NAPG3MHPAn5y+LkkdrSntLumGdai4Vku30YGKhd2BBLP4VFfMXLZu11kSi6lJ1pF1kxmnKJOl93YU6dmS6PY7wmAbS7mody+FxF0lzL3PbIAQnJ76gyNskIgpAKg7cK+d4ZkYU8d686+d+o6K9WT7uVa2nBNtmHWa8OKzLQ0SdUu3Xf26jHdNwTAQHdq3wgibpzxwl45A9UYpvbKEUpg9QshEdrO7ZUzJACtSLvaS9qVJM0YB61IvxHd+nZ2olvf6pr\/3Jv3T5lXM47r3L1k0QNjp2lrVypxv3V\/2gCyOfR77fR4cGXHzriDVW3ztiUEdT7ezQG2whX5szoKZjv49710y5NhnhrgBMcIvyAf7Y+1UWM4+E2lxXo1QUyMUHpvhHb6Wzb9zchA1u\/yvS2i1jvb3GQ4NgMMqsNMMAzCmZnhpODw4uOpa85xmplXOGPUnZt\/45xxHjLzd7BiWSa81I1uak9cBppPg7B7lUR1SFomgIHjqUyLcaW1xOUxzVI\/bgjFgZZzlrYFtUltiYCB6vOzoPjBk7Bj6Mh6apH6FcMKW8Jtv9HtmeCe2JwnW99MsGvGeGFynHOzwGEQL3Izw\/k8WZmBxjcpy0XAcomXAVvl5naW0XTe40k7RTYNTPDRid5vMj6a6OKunPEEZ4SPJ9hvU2F1PTo+wnCKN8ag+HBEFAXPLGnHMC2vpoOIpu1EDqfAamPkbYl24qG7qU0B9gcHvKXt91v4LuXIlzPmRk6V8lTpqL77YDKcDKr3wV2jzWdovLEqlWwXQ7+9j2OBcFZ\/wx0PC4QXTjvCK0OsJ7WOUVaJLXfwVDReCMK+tCcOTBegNYUENZCTPQXtWEXN9yyCezK3L8UufireYBd\/RdR78PGmlY\/3Br4N+JY+3isC25DfyGqoFqMVGlzhP8nNUM1GN2hwZclxXdXNZZHnuhUNCQQisVBVwB5W8FYugCLFVJg3gzWp+F7AtzLMq09XMUPZqBpQcMX8+0IuYGWQl2cqt8qwDXMC4rEhz2J3oYaE\/tGFfnuM+KcAHXRB6d4SU1liKUX2qGf83jJh5uCP5GjY3vrBtDSzZ85ggwbH+AUphqo\/\/Dg87VzWMgdja+Ig\/IZk\/VToKnVql62zHk+h685qpvqL0YJtKqipDGcdZsfKcFbiuhA3yFy4hGOnJKUVx+8QAnIhbuIQ78aFvJzDlLdlCLScU84aVFB3zGuwPTbLqAcAJVko2F13ItTm0vLEBsLuZhcuuI2zDvijYP+wJh78qn3SxckLBXereAGFdMt+MzwCkMg9orE7TzLFfCSHc21yfKHknGZ8T+rZSCSzGFoVBZ4XMqXErQoRrWptXag8X85UsFQjvJWuWkmrqbxk4KBlsbs5EJr0IPEP+Jwd5MGaMwYx4jGHS68OIOy8yJh3MN0cuDR3qccOJOdbsYur+RRTESUpsB1TYT6hnx8vYUQfdh\/ZOZW3+tEcEzczS5XT5o7tOzJuqICZZU+SUU861UppuzCVXBny6uQMv1DuOEsPlCE3lTshApyzWW7agOgreGkW2DVFnywxwGYAy7Br8rNqFC6abipumSkdvIQYfbMYZkOl5ikwqCOiKc1ydRvTiJlKxTYFr8wEZ8kqN2Mc0bUJs5Fv6gD63TSO8Iym5nMcmfYRfnaEJ0f4+MTBdB3kN6IpypWs6UAOioME9qSr8YB5AHaF8mnOOvJkKcgXnlJ8kJ+GAd\/sWRHZTn3Z0c6hXvBHUXeOHh4MHD+BMXUh+ZH448q2qiXDNo0a4dgVy\/NtbG652fZ2LsZwvjIbBcidjtboQ3v6o8QeFFXdYMPEJCo8Ojhfmu1niaeA1o5hoN7mzjjGkwpVfJc43cVLM5s7A5BajSkgJc56FQt2tRXXnyWe0szcwk8LHIOFBFcClXBqK9ixMcBwaQ7eaYJhWqbly1HR+Xh4qJPSbhJ8lI0jB5rBIXK\/6ZNNX1CqkSK7lwAd0Ng7yDc5Z1HgHghaQZOIp+zuCgZKTVvJFAw2tZuERRSLUSWE3C+UiaEFCV6TIFUVjXmu4LiIZFRihTVtsF4wvmIsjlm+By1t0D7QGftI4V6oXZyswfkI5O+pi7YoihCRuLVDNE\/GIjhyzAYl+J4XaZDvGT06TjoKTa5GoP\/HPYWWczuudFbQqDPZFWLnvH5NHLRNSFy7vSqWUt\/fYWreDP+DPDnwoR1LGhas7okBwkUccFNJfDgGx7R4ZCAcJ5xVw8g\/J\/qFQn3OsgNl2I7BKhVG4lAR2iYXc3kl+0r\/NDIF\/ZI3tIG2zQ94ciCXOjs09acEoEeSWJUhiFMol7oLaBL6t65JrB+amm7g60C41bMiFdeA7alL5OlxomcW10XzpO1Nt0nO2+5fd3hZdsulRGgqSbEQHMtF4bUQh8pBwucsyw9WcxYfBLziZOmUsELs96JqQSn4MBK2iNnMPXc9XjSzGOw6jZKl0hXmd2WId7gKBFY9Y0copvLukbBLnMRyG\/vR9C92M7wggigkYfFVoAB2AMSmzTaAbbPqRhM5ddzSbJGLQyM546pouIL16kLYCgh1K\/UVYlAeqi+\/CjQWPnmaIw8Dj2VElgmhWOCCBFfqnk1uIdWIrhXc9BrZce1utWB\/wSo1gF603\/pJ\/j+TI2zAEkc03esy6J9J6V022L2x2Sc2HGofZJjbE2eQOXhD7EJCigoiPIPS9TfZveZTrECaq6eaNYXYzhj5ctGHcPd2UQFs1yab9nO3BANKMOoSOtfKyuUROdLbBdIdmY2PdLxo706MEM7bL9UY3aFBhMYLfNlC7wTEko7FfPAUjYKK4eVeouWnCLp\/ogRx5eJ3SoB0WUJalyCz6G0WiQOXt9SrfykHTuOJmuJOpPwU3yM0znAn\/R5P0ThzGnN0Xrurqvh38wSL7druXY1gaEhTvOgdpfwlgbmo0pg970heOxNitdU6uXAHdL8Nx0FwQVazU4Xv+xdUpUS30rPa62ultYRXpNDWG\/XSToWeFc8qhPu+vXpqBf3uvrl6SmiP7bTeC4NUvGrvBZjWO1+dhHtSR3scTEtU+eTh\/gd+IX57iu2i8ZpBSuAhc2SYI2PnAuS+32Vetyiq\/S5i7671u0T7\/S6zp\/wud61zIJIeErwgG1D\/kdx52Tw8QAK8CY5YvHe+L5PX3KmhrBkvLrTTY1MzTpHFO0f+\/IG6uDC0E9MQTL9DWw666CaI2UsKXfJo4OOjge+gsi5fTey5A6X08GDHAfevI6h63BMLwPrGvboX+aCTCu2DGDZYXJaHo5YJPrDzUDve9ZH4wlZHgyPtGN\/9vEiB69Lyq04qcG3KZkFc7YxyjWauOocONBcBIri6f+\/DNdxUzjunVCOxcMm0mM3MSCxXMg3WK2ZW3VAokdU+3+8uJtrENLSjHbFFFxmcEjczLW+TILBKE2aL3FEGuoaz4ZGgbXiEt+KcvSlvMMAQE2IaEFMvb0swo4sTXTePdR3Lc+hRZ6kl71lNs8A09GHNUEPXh2p0caybcNNDWWIIl\/k\/yTXryRV6mspHc6Eu6xfwFc7FjVf1y5kxaXZCt14Q1Z4muMwb8wBWbmI9LHgirHfb7q04dlaJvoMcXGPkB0ncwZDe\/BpFrCIOAr+15+oFsu07HW8A4N6BQ+UgTlYKtpX3KcsoD2JwrL1slu3Ka2leOXanOztObVdeQUAkGNNQ1QGfB3ltjpZt2ER1Xr609m+CapU\/gHjibq7GRviyEwsS7gtGz30FPTwoCk7IC6Yq8ZqNZuEo9+EKU3HrI9w6Wk8U4b6godwf1Y4ln4bhVPzJBas9KPtL\/J9m7P8lif+kFOmr2PmLFKsgqzlTb4poYhtZTfC6gmXyjj5fPuqddDkDdM8vxZrY14A9jk4cvNhRnTdB8DA02nk1BT0LudQUd+OkamHLEu3UUQsMWoByhlcQLohKpM7tyNkJehQs1mDZ2vtDHimRwE4pvCVxBduxZ2lN4qrdoXza6ga6iLJIA\/NfYrMSODD8V23w3kCzMibO+d8Il\/EiDV4k3kYVG5t4K+4Bqc9siEgtKCNPabaQdV\/9sG6BvLf2q07tV6J2gdupA2\/dIjPb76siK5G8NUgAYTx2\/hwJB7WgQmtjU2kqxA1q79jXXSMGWPc9EgMAnxDDQRAfpCJz1avSLOEJmA3wF03er+IPWZKyjG80l4ahmuIVqmlbYbljXHbjSGVZsSb3HmENIt961ZfAKj9j+VxNxVU3IpZQuYC+bsrDgjNVxv\/BXSgQDyEDACEok2tJrCrunMawL9MJilk0UDjoI9FkKGUHraavXmoChfU70IhTnInO8fNN+B6xNR0idHQvGb\/LWw6a1x4RT5TmZgl4q\/aUdgUpsjTx2pbWZKZP8OOyZsZllxOlXExqsC6FZHiK1PB\/ySWhx7ZekZk67o3EhntyWzF8Op5d6cwtl02Pj2hav2Y0lzf4tKdMf2lHA8SBZqTGuviNqRznuP4GuhEy\/5bQBIuCJbCK+WwvF\/GhYWk8I102ZgBRU3ljAPDxFgirXgTLMlT+aAbJGPU2Sh2TCqXKtczPzzw7UcsQQiHZk6Htpdo5UpqJWG+tCnWFiLyfqyqA7SOpt6p57RrEmTNRaR0QDEfEVgf7UnoT0femg42IPdGCvC0lnpVTCPHdZknCb2k2A+V4qOvp+kBcw4SaKOOwWpBVZxWm1bV596T\/d6iqASZiioE5Vtuq24LTxy3ahar3bZ0e3tKab7l08jbfr4MQ+rwt2SnqUxw5DVX1iYvzb5kXVOeNHoFVRU0z5rMsHwlbepS7IhT6AC4hRwrad6Cu0pL3nR5VlqH8u1t+HbxW9H0+3Zv4Xpu8LHt\/rOsl83MSMqsHvAmmZL0Daznd3Pbd\/8NfwqTaMY2ipIA\/VoM93IkmAsd3J1A4gc4BHPrCVBEkLJBl+2L4s1WJ878YLaWwWf8f<\/script><script 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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n1llrjxg.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n1llrjxg.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n1llrjxg.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n1llrjxg.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n1llrjxg.nxe :where(ul,ol){padding-left:20px}#nxe-n1llrjxg.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n1llrjxg.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n1llrjxg.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n1llrjxg.nxe svg{display:none}#nxe-n1llrjxg.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n1llrjxg.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1llrjxg.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P08 \u00b7 TOPIC \u00b7 payments-fraud<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Financial Crime and Fraud Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Payments fraud<\/h1><p class=\"nx-tagline\">Payments fraud takes money through unauthorised transactions, such as stolen card use and account takeover, and through authorised push payment fraud, where victims are tricked into sending funds. Instant and irrevocable payments raise the stakes. This page sets out how payments fraud develops and moves between channels, how it is measured, who bears losses and which institutions decide on controls and reimbursement.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Payments fraud: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Settlement dependencies, and what\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Alert triage and investigations, in\u2026<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Payments fraud: how the risk develops<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Payments fraud is the theft of money through payment systems, either by unauthorised transactions such as stolen card use or by tricking victims into authorising payments. Instant payments, mule networks and liability rules shape it. Payment regulators, fraud functions, scheme operators and law enforcement hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Settlement dependencies, and what fails with a node.<\/h2><p class=\"nx-lede\">How a failure at one financial centre can spread through settlement links. Design links, not real dependencies.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"payments-network\" data-gl=\"sf:payments-network\" data-sf=\"payments-network\" aria-label=\"Interactive map: sixteen financial centres joined by design dependency links. The panel chooses a centre to fail and steps the cascade.\" data-nx-z=\"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\"><figcaption class=\"nx-fk-cap\"><span>Sixteen financial centres, and how a failure at one spreads through settlement links.<\/span><span data-honesty=\"true\">Design links, not the real dependencies of any infrastructure.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/payments-fraud\/#map\" data-nxf-title=\"Financial Crime and Fraud Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"project\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Alert triage and investigations, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-fincrime-alerts\" data-cx=\"fincrime.alerts\" data-variant=\"section\" aria-label=\"Alert triage and investigations: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Alert triage and investigations<\/h3><p class=\"nx-fk-sub\">Payments fraud \u00b7 Bank B monitoring \u00b7 Today<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Alerts today<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">1407<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,14.9L10.2,11.1L18.4,12L26.5,12.6L34.7,13.9L42.9,18L51.1,19.6L59.3,11L67.5,17.5L75.6,23L83.8,19.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,14.9L10.2,11.1L18.4,12L26.5,12.6L34.7,13.9L42.9,18L51.1,19.6L59.3,11L67.5,17.5L75.6,23L83.8,19.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Escalated to cases<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">3<\/span><span class=\"nx-fk-kpi-u\">pct of alerts<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,10.8L10.2,13L18.4,17.2L26.5,19.7L34.7,23L42.9,20.5L51.1,17L59.3,16.9L67.5,20.8L75.6,18.4L83.8,15.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,10.8L10.2,13L18.4,17.2L26.5,19.7L34.7,23L42.9,20.5L51.1,17L59.3,16.9L67.5,20.8L75.6,18.4L83.8,15.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Open cases older than 30 days<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">31<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,11.3L10.2,11.1L18.4,8.9L26.5,13.4L34.7,18.9L42.9,22.7L51.1,20L59.3,16.3L67.5,23L75.6,18.6L83.8,18.3L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,11.3L10.2,11.1L18.4,8.9L26.5,13.4L34.7,18.9L42.9,22.7L51.1,20L59.3,16.3L67.5,23L75.6,18.6L83.8,18.3L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Reports filed this month<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">42<\/span><span class=\"nx-fk-pill\" data-state=\"met\"><i aria-hidden=\"true\"><\/i>Normal<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,13.1L10.2,16.1L18.4,17.9L26.5,11.6L34.7,23L42.9,17.6L51.1,14.3L59.3,11.3L67.5,6.5L75.6,9.3L83.8,8.6L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,13.1L10.2,16.1L18.4,17.9L26.5,11.6L34.7,23L42.9,17.6L51.1,14.3L59.3,11.3L67.5,6.5L75.6,9.3L83.8,8.6L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Backlog above target<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Financial Crime and Fraud Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"queue\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Alert queue<\/h4><\/div><\/div><ol class=\"nx-cx-q\"><li><span class=\"nx-fk-pill\" data-state=\"not\"><i aria-hidden=\"true\"><\/i>H<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Rapid in-out through new accounts<\/span><span class=\"nx-cx-qm\">Scenario TM-07 \u00b7 score <span class=\"nx-cx-n\">84<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">2<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>M<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Trade invoice price outlier<\/span><span class=\"nx-cx-qm\">Scenario TB-03 \u00b7 score <span class=\"nx-cx-n\">67<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">4<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>M<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Structuring below threshold<\/span><span class=\"nx-cx-qm\">Scenario TM-02 \u00b7 score <span class=\"nx-cx-n\">66<\/span><\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">3<\/span> h<\/span><\/li><li><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>L<\/span><span class=\"nx-cx-qb\"><span class=\"nx-cx-qt\">Name match, sanctions list<\/span><span class=\"nx-cx-qm\">Likely false positive<\/span><\/span><span class=\"nx-cx-age\"><span class=\"nx-cx-n\">1<\/span> h<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"map\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Counterparty network, case CS-6839<\/h4><p class=\"nx-fk-panel-sub\">red: accounts under review<\/p><\/div><\/div><div class=\"nx-cx-map\"><svg class=\"nx-cx-svg\" viewBox=\"0 0 480 250\" role=\"img\" aria-label=\"Counterparty network, case CS-9638: schematic on placeholder geography. Illustrative.\" focusable=\"false\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Case path<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"6\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Alert<\/span><span class=\"nx-cx-snote\">scenario<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Triage<\/span><span class=\"nx-cx-snote\">analyst<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Investigate<\/span><span class=\"nx-cx-snote\">case<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Decide<\/span><span class=\"nx-cx-snote\">MLRO<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Report<\/span><span class=\"nx-cx-snote\">to FIU<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Feedback<\/span><span class=\"nx-cx-snote\">tuning<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Alert triage and investigations: the screen's structure, terms and states for Payments fraud.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Payments fraud: how the risk develops.<\/h2><p class=\"nx-lede\">Fraud in digital transactions. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12h-2.48a2 2 0 0 0-1.93 1.46l-2.35 8.36a.25.25 0 0 1-.48 0L9.24 2.18a.25.25 0 0 0-.48 0l-2.35 8.36A2 2 0 0 1 4.49 12H2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Speed removes the window<\/h3><p class=\"nx-p nx-mt-1\">Instant payments settle in seconds and cannot easily be recalled. Fraudsters move funds through mule accounts before victims or banks notice, so prevention must happen before release.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"6\" cy=\"19\" r=\"3\"\/><path d=\"M9 19h8.5a3.5 3.5 0 0 0 0-7h-11a3.5 3.5 0 0 1 0-7H15\"\/><circle cx=\"18\" cy=\"5\" r=\"3\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Controls displace fraud<\/h3><p class=\"nx-p nx-mt-1\">Strong authentication cut card-not-present and unauthorised fraud in several markets, and criminals shifted to manipulating customers into authorising payments themselves.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M16 21v-2a4 4 0 0 0-4-4H6a4 4 0 0 0-4 4v2\"\/><circle cx=\"9\" cy=\"7\" r=\"4\"\/><path d=\"M22 21v-2a4 4 0 0 0-3-3.87\"\/><path d=\"M16 3.13a4 4 0 0 1 0 7.75\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Mule networks launder proceeds<\/h3><p class=\"nx-p nx-mt-1\">Stolen funds pass through accounts held by recruited, coerced or synthetic mules. Detecting and closing mule accounts limits the fraud economy.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Liability shapes incentives<\/h3><p class=\"nx-p nx-mt-1\">Who reimburses victims, the sending bank, the receiving bank or no one, decides how much each invests in prevention. Rules differ sharply between jurisdictions.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Unauthorised fraud<\/td><td data-label=\"Definition\">A payment made without the account holder's consent, such as with stolen card details.<\/td><\/tr><tr><td data-label=\"Term\">Verification of payee<\/td><td data-label=\"Definition\">A check that the payee name matches the account details before a payment is sent.<\/td><\/tr><tr><td data-label=\"Term\">Mule account<\/td><td data-label=\"Definition\">An account used to receive and move criminal proceeds on behalf of others.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Fraud losses by payment type<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Industry and central bank reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Fraud rate on card payments<\/td><td data-label=\"Unit\">fraud value as share of transaction value<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">ECB and scheme reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Authorised push payment fraud cases<\/td><td data-label=\"Unit\">count and value<\/td><td data-label=\"Cadence\">half-yearly<\/td><td data-label=\"Source type\">Industry reports<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Reimbursement rate to victims<\/td><td data-label=\"Unit\">share of losses returned<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Regulator data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Mule accounts identified<\/td><td data-label=\"Unit\">count<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Industry and law enforcement data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Payments subject to verification of payee<\/td><td data-label=\"Unit\">share of credit transfers<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Scheme data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/payments-fraud\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Payments fraud as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p08-topics-payments-fraud-aml-t nx-dag-a-p08-topics-payments-fraud-aml-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p08-topics-payments-fraud-aml-t\">Payments fraud: from customer due diligence to suspicious activity report<\/title><desc id=\"nx-dag-a-p08-topics-payments-fraud-aml-d\">Customer due diligence sets a risk rating; transaction monitoring scenarios raise alerts; analysts triage and investigate; the MLRO decides whether to report to the financial intelligence unit; feedback tunes the scenarios. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">ECB and EBA report on payment fraud<\/td><td data-label=\"What it gives\">Payment fraud rates by instrument in the European Economic Area<\/td><td data-label=\"Licence class\">Free, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">UK Finance annual fraud report<\/td><td data-label=\"What it gives\">Unauthorised and authorised push payment fraud statistics<\/td><td data-label=\"Licence class\">Free to read, UK Finance terms<\/td><\/tr><tr><td data-label=\"Source\">Payment Systems Regulator APP fraud reimbursement data<\/td><td data-label=\"What it gives\">Reimbursement under the UK requirement<\/td><td data-label=\"Licence class\">Free, PSR terms<\/td><\/tr><tr><td data-label=\"Source\">FTC Consumer Sentinel data<\/td><td data-label=\"What it gives\">Reported fraud by payment method in the United States<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><tr><td data-label=\"Source\">Card scheme and central bank payment security reports<\/td><td data-label=\"What it gives\">Card fraud trends<\/td><td data-label=\"Licence class\">Free to read, terms per publisher<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P08\/topics\/payments-fraud\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Financial Crime and Fraud Risk prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Payment regulators and legislators<\/td><td data-label=\"The question\">Who reimburses victims and what prevention duties apply<\/td><td data-label=\"Evidence this page serves\">Loss data, reimbursement outcomes and comparative rules<\/td><\/tr><tr><td data-label=\"Who decides\">Bank and payment firm fraud functions<\/td><td data-label=\"The question\">Which controls to apply before releasing payments<\/td><td data-label=\"Evidence this page serves\">Fraud patterns, friction cost and detection performance<\/td><\/tr><tr><td data-label=\"Who decides\">Payment scheme operators<\/td><td data-label=\"The question\">Whether to mandate verification of payee or data sharing<\/td><td data-label=\"Evidence this page serves\">Scheme data and fraud trends<\/td><\/tr><tr><td data-label=\"Who decides\">Law enforcement<\/td><td data-label=\"The question\">How to target mule networks and organisers<\/td><td data-label=\"Evidence this page serves\">Intelligence from reports and industry data<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to unauthorised and authorised push payment fraud<\/li><li>Comparative notes on victim reimbursement rules<\/li><li>Brief on mule account detection and data sharing<\/li><li>Questions for boards on fraud prevention in instant payments<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What experts ask.<\/h2><p class=\"nx-lede\">Payments fraud researchers ask how to stop fraud without stopping legitimate payments.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>How are fraud methods shifting between unauthorised and authorised fraud as controls change?<\/li><li>How can fraud be detected in real time without excessive friction for legitimate payments?<\/li><li>How should responsibility for losses be allocated between sending and receiving institutions and customers?<\/li><li>How do confirmation of payee, delays and other interventions affect fraud and customer experience?<\/li><li>How can data from payment systems be used to detect fraud across institutions?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms-and-drivers\" class=\"nx-section\" data-hue=\"infrastructure\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms and drivers<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">Speed, finality and displacement.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Instant payments are valuable because they are fast and final, but those features also make fraud harder to stop and reverse. As controls on card fraud and account takeover improved, fraud shifted towards deceiving customers into authorising payments, which bypasses authentication. Fraudsters use social engineering, impersonation of banks, police or family members, and fake investments or purchases.<\/p><p class=\"nx-p\">Proceeds move quickly through money mule accounts, often at several institutions. Detection relies on monitoring behaviour, devices and payment patterns, and on intelligence sharing. Rules on reimbursement shape incentives: where receiving institutions share liability, they have stronger reasons to prevent mule accounts.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"stack\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How the evidence is built, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Transaction monitoring<\/h3><p class=\"nx-p nx-mt-1\">Machine learning models scoring payments for fraud risk, using <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/ai-ml\/\">artificial intelligence and machine learning<\/a>. False positives create friction; models degrade as fraud adapts.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Network analysis<\/h3><p class=\"nx-p nx-mt-1\">Detecting mule networks across accounts with <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/network-science\/\">network science<\/a>. Requires data across institutions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Typology research<\/h3><p class=\"nx-p nx-mt-1\">Describing fraud methods to inform controls. Must avoid enabling crime.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Published fraud statistics<\/h3><p class=\"nx-p nx-mt-1\">Industry and official fraud data. Definitions and reporting vary.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/ai-ml\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Artificial intelligence and machine learning<\/span><span class=\"nx-mledger-role\">Real-time fraud scoring \u00b7 Alert prioritisation \u00b7 Fairness in fraud controls<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/ai-ml\/\" aria-label=\"Artificial intelligence and machine learning: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/network-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Network science and contagion<\/span><span class=\"nx-mledger-role\">Mule network detection \u00b7 Ownership chain analysis \u00b7 Cross-institution patterns<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/network-science\/\" aria-label=\"Network science and contagion: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/data-engineering\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Data engineering, interoperability and stewardship<\/span><span class=\"nx-mledger-role\">Screening data quality \u00b7 Monitoring coverage checks \u00b7 Retention and minimisation<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/data-engineering\/\" aria-label=\"Data engineering, interoperability and stewardship: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/stem\/digital-identity\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Digital identity and public digital systems<\/span><span class=\"nx-mledger-role\">Assurance levels for onboarding \u00b7 Defending against deepfakes \u00b7 Inclusion testing<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/technology\/digital-identity\/\" aria-label=\"Digital identity and public digital systems: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Fraud statistics depend on what victims report and how firms classify cases, and many losses are never reported. Definitions differ across countries, so comparisons need care. Industry reports cover members only. Displacement makes trends hard to read. Financial Crime and Fraud Risk explains patterns and controls; it does not investigate cases, make allegations or give compliance advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"infrastructure\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is authorised push payment fraud?<\/summary><div class=\"nx-answer\">Fraud in which a victim is deceived into authorising a payment to an account controlled by a criminal, for example by someone impersonating their bank or a supplier.<\/div><\/details><details><summary>Why is instant payment fraud hard to reverse?<\/summary><div class=\"nx-answer\">Because funds settle in seconds and are quickly moved onward through mule accounts, leaving little time to stop or recall them.<\/div><\/details><details><summary>What is a money mule?<\/summary><div class=\"nx-answer\">A person whose account is used to receive and move criminal proceeds, sometimes knowingly, sometimes recruited through deception or coercion.<\/div><\/details><details><summary>Can instant payments be made safer without slowing them?<\/summary><div class=\"nx-answer\">Risk-based approaches can add checks or delays only for higher-risk payments. The balance between speed and safety is a design choice for providers and regulators.<\/div><\/details><details><summary>Does GRA assess individual payment firms?<\/summary><div class=\"nx-answer\">No. It studies controls and patterns at sector level.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Financial Crime and Fraud Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/identity-fraud\/\">Identity fraud <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/money-laundering-risk\/\">Money laundering risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/suspicious-activity-controls\/\">Suspicious activity controls <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/consumer-scams\/\">Consumer scams <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/financial-sanctions-risk\/\">Financial sanctions risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/cyber-enabled-financial-crime\/\">Cyber enabled financial crime <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/\">Financial Crime and Fraud Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Financial Crime and Fraud Risk<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskalliance.com?subject=Financial%20Crime%20and%20Fraud%20Risk%3A%20Payments%20fraud\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/financial-crime-fraud\/topics\/payments-fraud\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is authorised push payment fraud?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Fraud in which a victim is deceived into authorising a payment to an account controlled by a criminal, for example by someone impersonating their bank or a supplier.\"}},{\"@type\":\"Question\",\"name\":\"Why is instant payment fraud hard to reverse?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because funds settle in seconds and are quickly moved onward through mule accounts, leaving little time to stop or recall them.\"}},{\"@type\":\"Question\",\"name\":\"What is a money mule?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A person whose account is used to receive and move criminal proceeds, sometimes knowingly, sometimes recruited through deception or coercion.\"}},{\"@type\":\"Question\",\"name\":\"Can instant payments be made safer without slowing them?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Risk-based approaches can add checks or delays only for higher-risk payments. 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