Okay seriously, how does Amex Fraud Work and why is it so good?

Serious question in the title. I'm not asking because I'm attempting to beat the system by an stretch of the imagination - I'm asking because I've been an amex customer since 2013 and 100% of the times where they've asked "is this charge fraudulent," they've been correct. Additionally, there's been exactly 0 times where they've asked about a charge that I was like "oh this is gonna get flagged." By this, I mean that I've never had issues with random purchases such as a $3800 purchase at newegg, a $2100 next day flight to a funeral, a $260 meal on a trip (which was way out of my normal pattern, I'm taco bell trash, maybe chipotle if I'm feeling lucky), usage in Canada for a week, San Jose and Vegas back to back... all of it was totally approved, but a $11.24 charge to Uber was immediately flagged and put my card on hold. I'm asking because literally chase bank is asking every week "diD YoU MAke a FifTY fIVe dollar pURchAse to GCP fOr ThE 32nd MoNtH in A RoW?" How is the system that good? Are they pulling signals from my social media accounts or something? Edit: no this isn't an ad nor am I gushing. I've just legit never seen a system be so accurate especially considering there's never been charges that have slipped through.

DoorDash megDDstaln Oct 24, 2022

They should get in the ads game

Microsoft Str8toProd OP Oct 24, 2022

Maybe they already are? Maybe that's why I spent so much at newegg? Come to think of it, I did see a delta ad before my grandmother died.... 🤔

Amazon zbskiak Oct 24, 2022

What computer did you build?

Microsoft Str8toProd OP Oct 24, 2022

12900k with a 3090ti, haf700, z690 extreme.

Amazon zbskiak Oct 24, 2022

Nice 👍

American Express uczP77 Oct 24, 2022

That’s the team I work on :)

Wayfair אִינְטֶלִי Oct 24, 2022

Amazing, tell us more. Genuinely interested now

Microsoft Str8toProd OP Oct 24, 2022

Same.

Bloomberg st0ch182w Oct 24, 2022

Maybe there are false negatives it is missing

Microsoft Str8toProd OP Oct 24, 2022

I check my statement every month and never once. Maybe for others but never for me so far.

American Express omIb13 Oct 24, 2022

I used to be on the fraud team. Their ML models are genuinely great and gathering/processing lot of data. I contributed to the model and wrote a chunk of the paper.

MasterCard inoc28 Oct 26, 2022

Me too part of fraud modelling in Amex!!

Bloomberg msg.go Oct 24, 2022

Broooo I think imma close my chase account I can’t handle them mfker holding my transactions and making me wait 12h till they call me on the phone to confirm🤦‍♂️ f outta here!! Imma stay wit BOA

American Express jkkk Nov 2, 2022

Capital one does the same thing. Yesterday I had to submit the same transaction three times