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Changelog

v1.0.0 — April 2026​

Initial Release​

  • Elder profile management: Enroll customers in the protected population with demographics, linked accounts, guardian contacts, and vulnerability indicators
    • Profile statuses: Active, Monitoring, Elevated, Protected, Inactive, Deceased
    • Enrollment reasons: Age threshold, vulnerability flag, POA detected, manual, family request, regulatory
  • Behavioral baselines: Automatic baseline computation over configurable rolling windows (default 90 days)
    • Transaction baselines: average monthly debits/credits, transaction counts, max single transaction
    • Balance baselines: average balance, minimum balance, balance trend
    • Beneficiary baselines: known beneficiary count, new beneficiary rate, top counterparties
    • Channel and temporal baselines: channel distribution, typical hours and days
    • Device and geographic baselines: known devices, IP ranges, locations
    • Lifestyle markers: recurring payments, utility patterns
  • Signal detection across 7 categories:
    • Gradual Draining: balance decline, velocity increase
    • New Relationship: beneficiary burst, large first transfer
    • POA Access Anomaly: large withdrawal by POA holder
    • Scam Signatures: romance scam pattern detection
    • Lifestyle Inconsistency: utility payment drop-off
    • Cognitive Decline: repeated authentication failures
    • Isolation: single-dependency transaction patterns
  • Exploitation Risk Score (ERS): Composite scoring (0-100) with 5 risk tiers (Normal, Watch, Elevated, High, Critical)
    • Configurable category weights and tier thresholds
    • Support for rule-based, ML, and ensemble scoring methods
    • Trend tracking: Improving, Stable, Worsening, Rapid Decline
  • Detection rules engine: 6 rule types (Threshold, Velocity, Pattern, Behavioral, Network, Custom)
    • Per-tenant rule configuration with enable/disable toggles
    • Configurable severity, weight, and applicable markets
  • Event processing: Real-time ingestion of transaction, session, beneficiary, account, and customer events
    • Support for CBA and BankApp event sources
    • Unified CBA-style webhook receiver with HMAC signature verification
  • Batch operations: Enrollment scan, baseline recalculation, and draining scan with progress tracking
  • Dashboard API: Overview statistics, risk tier distribution, ERS trends, top signal categories, and highest-risk profiles
  • Webhooks: 9 event types (signal.detected, signal.confirmed, signal.dismissed, profile.tier_changed, profile.created, profile.status_changed, ers.calculated, batch.completed, batch.failed)
    • HMAC-SHA256 signature verification
    • Exponential backoff retry (5 attempts)
  • Sandbox: Full sandbox environment with test fixtures for deterministic results