(Responding because I saw you were instantly downvoted, even though you provided factual information.) Absolutely correct. Fraud scoring systems are heuristic

(Responding because I saw you were instantly downvoted, even though you provided factual information.) Absolutely correct. Fraud scoring systems are heuristic. Your fraud score is positively and negatively correlated with a large number of behaviors, almost all of which are benign by themselves, but in aggregate can be used to predict fraudulent behavior.