You’re at Starbucks trying to make a purchase of your favourite hot-drink and your card is denied. How embarrassing. But wait - You’ve paid your balance every month without fail. What gives? What likely could have happened is that some intelligant software at your financial institution detected a purchase anomaly and took action to prevent the fraud. Today, these tools are incredibly powerful, scanning through terabytes of data to detect even slight deviations in behavioral models like a sequence of small charges at online vendors or sudden spending pattern on new product categories. These are common signs of fraud that can raise red flags.