Commission Fraud Detection – AI for DSA Auditing
Built an anomaly detection engine to audit Direct Selling Agent commissions and detect overpayments and irregular behavior.
A bank wanted to automate auditing of commission payouts to prevent abuse by agents gaming the disbursal system.
Business Challenges
- Overpaid commissions due to misaligned rules
- Difficult to detect fraudulent approval loops
- Manual audits missed subtle anomalies
Plenum’s Solution
- Built ML pipeline to detect DSA behavior outliers using PCA and clustering
- Integrated commission logic with loan disbursal patterns
- Created fraud alert dashboard for internal audit
Key Capabilities Used
- Unsupervised Clustering
- Behavioral Analytics
- Commission Auditing
- Alert & Case Review UI
Outcomes & Impact
Reduced commission abuse risks via early alerts
12%
Detected overpayment anomalies
80%
Improved auditor productivity with faster triage
Technologies
Implemented
Momentum AI
PCA
Inset BI
Sklearn