A streaming feature store and an explainable scoring model replaced a rules engine that blocked too many good customers.
Challenge
The existing rules engine flagged 9% of applications for manual review, with most turning out to be legitimate. Fraud losses kept growing and each new rule added friction for good customers.
Solution
We built a streaming ingestion layer for application, device and transaction events, a governed feature store on Snowflake, and a gradient-boosted scoring model with SHAP-based explanations for every decision.
- Decision latency under 80 ms at the 99th percentile
- Model monitoring with automatic drift alerts
- Analyst console to review and label edge cases
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