pennaburry/parallel-constrained-decoding

1{2  "id": "fintech_fraud",3  "title": "FinTech Fraud & Autonomous AML Compliance (28 Fields)",4  "description": "Real-time multi-attribute financial fraud detection, sanctions verification, and autonomous containment decision.",5  "context": "TRANSACTION ALERT #TX-98421\nTimestamp: 2026-09-15 03:14:22 UTC\nCardholder: Sarah Jenkins (Account ID: US-99120)\nTransaction Amount: ,850.00 USD\nMerchant: CyberGold Crypto Exchange (Nicosia, Cyprus)\nCardholder Billing Address: Seattle, WA, USA\nDevice IP: 185.220.101.5 (Known Tor Exit Node, Frankfurt, Germany)\nDevice Fingerprint: Unrecognized Linux Firefox 128.0 (First seen 4 minutes ago)\nVelocity Check: 3 previous transactions attempted in past 10 minutes from Singapore (), London (), and Frankfurt (,850).\nCardholder Typical Activity: Average monthly spend ,200. No prior cryptocurrency, wire transfer, or foreign cross-border transactions recorded in 3 years.\nCurrent Account Balance: ,200.00 USD.\nTwo-Factor Authentication: SMS 2FA prompt bypassed via Session Hijacking / Cookie Injection anomaly.",6  "schema": {7    "is_fraudulent": {8      "type": "boolean",9      "description": "Whether transaction is fraudulent"10    },11    "risk_tier": {12      "type": "enum",13      "description": "Calculated risk tier",14      "choices": [15        "LOW",16        "MEDIUM",17        "HIGH",18        "CRITICAL"19      ]20    },21    "recommended_action": {22      "type": "enum",23      "description": "Immediate mitigation action",24      "choices": [25        "APPROVE",26        "CHALLENGE_2FA",27        "MANUAL_REVIEW",28        "BLOCK_TRANSACTION",29        "FREEZE_ACCOUNT"30      ]31    },32    "primary_anomaly": {33      "type": "enum",34      "description": "Predominant anomaly",35      "choices": [36        "IP_GEOLOCATION_MISMATCH",37        "UNUSUAL_VELOCITY",38        "HIGH_VALUE_TRANSFER",39        "NEW_DEVICE",40        "TOR_EXIT_NODE"41      ]42    },43    "secondary_anomaly": {44      "type": "enum",45      "description": "Secondary anomaly indicator",46      "choices": [47        "RAPID_DESTINATION_CHANGE",48        "MULTIPLE_FAILED_LOGINS",49        "CARD_NOT_PRESENT",50        "NONE"51      ]52    },53    "requires_human_escalation": {54      "type": "boolean",55      "description": "Whether senior fraud analyst must review"56    },57    "can_auto_block": {58      "type": "boolean",59      "description": "Whether system should execute automated block"60    },61    "aml_sar_filing_required": {62      "type": "boolean",63      "description": "Whether FinCEN SAR report must be filed"64    },65    "fincen_flag_threshold": {66      "type": "boolean",67      "description": "Whether transfer amount exceeds AML reporting threshold"68    },69    "sanctions_screening_risk": {70      "type": "enum",71      "description": "OFAC sanctions risk",72      "choices": [73        "CLEARED",74        "POTENTIAL_MATCH",75        "HIGH_CONFIDENCE_MATCH"76      ]77    },78    "tor_exit_node_detected": {79      "type": "boolean",80      "description": "Whether connection originates from anonymizing proxy/Tor"81    },82    "device_fingerprint_mismatch": {83      "type": "boolean",84      "description": "Whether device hardware ID differs from cardholder device"85    },86    "velocity_score": {87      "type": "enum",88      "description": "Transaction frequency score",89      "choices": [90        "NORMAL",91        "ELEVATED",92        "EXTREME_BURST"93      ]94    },95    "block_card_immediately": {96      "type": "boolean",97      "description": "Whether payment card should be deactivated immediately"98    },99    "freeze_online_banking": {100      "type": "boolean",101      "description": "Whether web portal access should be restricted"102    },103    "notify_cardholder_sms": {104      "type": "boolean",105      "description": "Whether urgent SMS alert should be dispatched"106    },107    "notify_cardholder_email": {108      "type": "boolean",109      "description": "Whether notification email should be dispatched"110    },111    "requires_identity_verification": {112      "type": "boolean",113      "description": "Whether government ID biometric verification is required"114    },115    "merchant_category_risk": {116      "type": "enum",117      "description": "Merchant category code risk level",118      "choices": [119        "LOW",120        "MODERATE",121        "HIGH_RISK_CRYPTO",122        "RESTRICTED_GAMBLING"123      ]124    },125    "chargeback_probability": {126      "type": "enum",127      "description": "Probability of cardholder chargeback dispute",128      "choices": [129        "LOW",130        "MEDIUM",131        "VERY_HIGH"132      ]133    },134    "counterparty_jurisdiction_risk": {135      "type": "enum",136      "description": "Jurisdiction risk tier of destination merchant",137      "choices": [138        "TIER_1_LOW",139        "TIER_2_MODERATE",140        "TIER_3_HIGH",141        "SANCTIONED_ZONE"142      ]143    },144    "auto_reverse_transfer": {145      "type": "boolean",146      "description": "Whether clearing network should attempt immediate reversal"147    },148    "fraud_ring_association": {149      "type": "boolean",150      "description": "Whether signature matches known syndicate patterns"151    },152    "alert_clearing_house": {153      "type": "boolean",154      "description": "Whether inter-bank network should be warned"155    },156    "escalate_to_fiu": {157      "type": "boolean",158      "description": "Whether Financial Intelligence Unit should be notified"159    },160    "confidence_score_tier": {161      "type": "enum",162      "description": "Model decision confidence bucket",163      "choices": [164        "HIGH_CONFIDENCE_FRAUD",165        "LEANING_FRAUD",166        "BORDERLINE",167        "LEGITIMATE"168      ]169    },170    "loss_prevention_priority": {171      "type": "enum",172      "description": "Queue priority for asset recovery team",173      "choices": [174        "IMMEDIATE_P0",175        "STANDARD_QUEUE",176        "LOW_PRIORITY"177      ]178    },179    "account_takeover_suspected": {180      "type": "boolean",181      "description": "Whether cardholder credentials were compromised"182    }183  }184}