Referral Fraud Detection Skill When to Use - Designing safeguards for new referral initiatives. - Investigating suspicious referral spikes, duplicate accounts, or payout anomalies. - Reporting on program integrity for finance, legal, or compliance teams. Framework 1. Signal Collection – IP/device matching, velocity checks, blacklist databases, manual reviews. 2. Scoring Model – assign risk scores by cohort (new accounts, high-volume referrers, geo mismatch). 3. Workflow Automation – auto-flag, queue for review, or pause rewards until verified. 4. Investigation Runbook – define evidence gather…