Originally Posted by pompousjohn

I have been monitoring chat traffic for fraud for over 5 years now and been pretty successful at it. This is nothing new for me. I've seen good sales, bad sales, great sales and unspeakable horror.

The reason I made this thread was to find out what I was missing because aside from the impossible ratios everything else checked out.

It's not hard for me to imagine the scenario you mentioned above. One thing that has helped me is not paying out too much. Chat agents are all on their way to the dark side, they will almost all get there sooner or later. They have direct contact with the customer and hold a lot of influence over the customers actions both before and after joining.

Paying too much is a sure way to both attract the worst agents and also turn the decent ones down a dark path. One of the easiest ways to minimize fraud is to find out how much a stolen credit card profile costs on the street and always pay less than that. If carders can't turn a profit they won't card. Nobody does that shit just for fun. Of course, it's not quite that simple because your site is not the only one they can run that card on, but if you have good fraud scrub and solid contact with customers you can make a good portion of the stolen cards worthless and spot the other fraudulent transactions before they do any real damage.