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A Fraud Transaction Report (FTR) is a regulatory filing that documents transaction activity confirmed as fraudulent. The purpose of the FTR is to notify authorities and support ecosystem-level intervention against fraud rings, money mule networks, and organized criminal activity. ProfiledRisk automates the creation of these reports once fraud is validated through investigation.

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When FTRs Are Generated in ProfiledRisk

FTRs require confirmed fraud — not just suspicion. Triggers include:
  • Analyst marks a Case outcome as Fraud Confirmed
  • Device and identity correlation reveals proven multi-account abuse
  • Merchant or beneficiary involvement is linked to known fraud activity
  • Evidence supports consumer protection or regulatory escalation requirements
This ensures reports are submitted only after authoritative decision-making.

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Fraud Case Workflow Leading to FTR

  1. Transaction flagged as pending during risk evaluation
  2. Case automatically created for investigation
  3. Fraud analyst reviews user history, device linkage, and counterparty behavior
  4. Analyst assigns the decision Fraud Confirmed
  5. ProfiledRisk generates an FTR with all relevant evidence
  6. Compliance team downloads for regulatory submission
Once classified as fraud, data in the case becomes immutable for audit integrity.

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What Is Contained in an FTR

FTRs document the full scope of the fraudulent flow:
SectionDescription
Reporting entity detailsBusiness filing the report and contact responsible
Subject informationProfile details of the user committing or impacted by fraud
Transaction informationValue, time, method, and fraud category
Fraud indicatorsRule triggers and system intelligence with supporting facts
Impact and exposure dataEstimated loss, recovered funds, and related accounts
Case referencesLinks to profile history and previous investigations
ProfiledRisk ensures a complete and regulator-aligned submission record.

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Entity Configuration Requirements

Organizations configure the following once:
  • Reporting organization legal name
  • Rendering Entity Code
  • Branch name/ID/Code
These details are automatically applied to every FTR produced.

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Accessing and Managing FTR Reports

All FTRs are accessible in the Reports section with: ✔ Filtering by fraud category and affected product
✔ Download formats for filing or law enforcement requests
✔ Traceability to events, profiles, and Case reviewer identity
✔ Permanent audit storage for evidence continuity

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Analyst Responsibilities

Analysts remain responsible for:
  • Confirming fraudulent activity prior to report creation
  • Providing narrative content explaining the fraud classification
  • Filing the FTR to the correct agency or law enforcement authority
ProfiledRisk ensures the report is accurate — the analyst ensures the action is justified.

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Summary

Fraud Transaction Reporting with ProfiledRisk:
  • Ensures confirmed fraud is properly documented
  • Enables operational cooperation with regulators and investigators
  • Maintains trusted reporting standards across teams and regions
  • Reinforces defense against repeat and organized fraud attacks
With FTR automation, your compliance and fraud teams focus on resolution — not paperwork.