Three teams, three fraud systems,
zero coordination.
Engineering scores transactions in the payment pipeline. A single function, written eighteen months ago by one senior engineer, still running. It flags scores above 75. It catches roughly 30% of actual fraud.
Compliance, on a different floor, scores merchants at onboarding using a spreadsheet and a weekly review call. They have seen Engineering's scores exactly zero times.
Operations, reporting into a third executive, tracks chargeback patterns in a separate spreadsheet because they're the ones getting called by the acquiring bank. They don't know the other two systems exist.
Combined, the three teams hold the data to prevent an estimated $1.9M in annual fraud losses. Yield surfaced this in a week. It had lived inside NovaTech for two years.