The challenge
An African national payments programme needed to translate transaction-monitoring technology into a clear approach for its payment-switch operations. Teams needed to understand how individual rules contribute to a fraud scenario, how scoring affects an alert, and what data and testing each configuration requires.
How AO approached it
As part of the wider delivery team, AO brought its years of instant-payments experience and systems-integration expertise into a practical rules-and-typologies workshop.
- Explained the standard Tazama rule catalogue and the distinction between an individual rule, a typology and a system topology.
- Worked through illustrative scenarios to show how rule outcomes, weights and thresholds influence monitoring decisions.
- Examined data requirements and legitimate payment behaviour to support informed calibration.
- Provided a configuration workbook for recording proposed selections, dependencies, responsibilities and acceptance criteria.
- Covered testing, investigation workflows and the considerations for a controlled operational rollout.
Practical value
The workshop gave participants a structured way to connect business risk discussions with configuration decisions and implementation planning. It also provided reusable material for recording choices and organising the next stages of validation.
The engagement demonstrates how AO combines payment-domain knowledge with technical delivery and knowledge transfer. Its contribution extends from systems-integration support into helping operational teams understand, configure and review transaction monitoring.
Confidentiality
Customer and programme identities are withheld under confidentiality obligations.
