Agent Skills: anomaly-fraud-scanner

Scans transactions for fraud and anomaly signals — duplicate charges within 48 hours, transactions more than 3 standard deviations above a merchant's historical average, first-ever transaction with a new merchant above a high-dollar threshold, and unusual geography or time. Produces severity-tagged alerts with the transaction id, evidence, and a recommended action (call bank, freeze card, dispute, monitor). Use for vigilance scans on every drop, after any large unexplained outflow, or when user mentions fraud check, suspicious charge, anomaly detection, or duplicate charge.