What determines the timing of fines for the Standard level in Visa Fraud Monitoring Program?

• A. Fines begin after 1 month.
• B. Fines begin after 4 months of sustained rates at this level.
• C. There are no fines at Standard level.
• D. Fines begin immediately.

Answer: (B)

The timing hinges on how long risk remains elevated at the Standard level. In this program, fines don’t start with the first sign of elevated activity. Instead, they are triggered after a four-month window of sustained elevated rates at the Standard level. If the rates stay above the threshold for four consecutive months, fines begin in the following period. This setup helps ensure that only persistent risk leads to penalties, rather than short-term spikes. If the elevated rates don’t persist for four months, fines aren’t triggered.