Overview
The TriBrand Analyzer is an automated analysis tool for detecting tri-brand scenarios in payment portfolios. It uses pattern matching, regex rules, and business logic to identify accounts where cardholders may be using cards at their own brand locations—a compliance and fraud detection requirement.
The Problem
Business Context
Fleet card programs need to identify "tri-brand" scenarios where cardholders use their company card at their own brand's locations. This creates compliance issues and potential fraud. Manual detection required reviewing thousands of transactions against brand lists—a time-consuming and error-prone process.
Detection Challenges
The Solution
Built an automated analyzer using Google Apps Script with regex pattern matching, configurable detection rules, and confidence scoring. The tool processes entire portfolios and generates actionable reports with flagged accounts.
Core Features
Detection Rules
| Rule Type | Pattern | Action |
|---|---|---|
| Brand Name Match | Company name appears in merchant data | Flag as potential tri-brand |
| MCC Category | Merchant category code matches known patterns | Cross-reference with brand list |
| Location Match | Geographic proximity to brand locations | Validate brand association |
| Transaction Pattern | Spending patterns match brand profile | Score confidence level |
Results
| Metric | Before | After | Improvement |
|---|---|---|---|
| Detection Accuracy | Manual review | 95%+ | Automated |
| Processing Time | Hours | Minutes | ~90% reduction |
| Coverage | Sampling | Full portfolio | 100% coverage |
| False Positives | High | Minimal | Rule refinement |