I thought this was interesting reading and (probably) relates to some of what Chase is attempting to counter. Excerpt:
"
One of those things was a talk by Steve Lenderman, Fraud Operations Lead for Paypal, who talked about how people commit fraud against financial institutions. It matters even for people who aren’t committing fraud because behaviors undertaken by bad actors look suspicious when they’re legitimately undertaken by the rest of us."
https://viewfromthewing.boardingarea...ks-like-fraud/