UnderwritingIs this merchant pattern caught automatically?
Risk Colleague clarifyingQuick check so I answer the right question — do you mean caught at onboarding, or flagged in ongoing monitoring after they're live?
UnderwritingOngoing — after they're live.
Risk ColleagueYes — the velocity + chargeback signal triggers an automated review. One gap: refund-abuse on this pattern isn't covered yet. Want me to flag it for the next assessment?