Welcome back to Autocomplete Lives, I am Sinead Fallon. Two weeks ago I stood at a petrol pump outside Letterkenny with a queue behind me and a card that would not work. Thirty seconds later my bank texted to ask if that was really me. It was. So what did the machine think it saw? Today I am joined by Ruairi Devlin, who spent six years building exactly these fraud models, and he is going to tell me honestly what tipped the balance: a new town, a new merchant, an unusual hour, and a dozen other things I had never considered. We will also cover what you can do before a trip so it happens less, and who actually looks at your transaction once it is flagged. You are listening on Witspeak Podcasts, and this one might save you a queue.