This is interesting and well-informed, but it's important to remember that fraud is an adversarial problem. The bad guys will change their behavior to evade det

This is interesting and well-informed, but it's important to remember that fraud is an adversarial problem. The bad guys will change their behavior to evade detection. The habits described here may exist when there is no defense in place, but if you use them to detect fraud, you'll likely see shifts in behavior to appear more "normal" and evade detection.