Sometimes the pattern only exists in data writ large. For example, a particular merchant is breached, and then the fraudsters try to run most of the cards stol

Sometimes the pattern only exists in data writ large. For example, a particular merchant is breached, and then the fraudsters try to run most of the cards stolen in that breach at a few locations. It could be obvious on your bank's end that a few dozen customers made a charge at Store A and then reported a charge at Store B to be fraudulent, so then they decided to freeze the cards of everyone with the same Store A -> Store B pattern.