Bank/payment details claim to have changed (BEC fraud)
body-payment-details-override
What this tier means
High-confidence threat indicator — phishing, impersonation, BEC, or scam pattern. Strong contributor to the trash decision.
How Gorganizer detects this
Body contains a "bank account / wire instructions / payment details / IBAN / routing number" phrase AND a "updated / changed / new / please note / disregard the previous" change-announcement phrase within ~120 characters of each other. This is the canonical Business Email Compromise (BEC) vendor-fraud shape: the attacker impersonates a supplier and asks payment for a real invoice to go to a new account. The FBI IC3 reports BEC as the single highest-dollar-loss email-crime category — multi-billions in annual losses. The proximity requirement plus the change-announcement modifier keeps false-positives minimal: a neutral "please wire payment to our bank account" line on a real invoice is NOT an attack, but "our bank details have been updated — please use the new IBAN below" is. No legitimate vendor ever announces a banking change through email alone — real changes happen on letterhead and verified out-of-band channels precisely because of BEC.
False-positive guard
Every signal in Gorganizer feeds a multi-module score — never a sole verdict. This is a threat-tier signal — it adds a strong contribution to the trash score. The full pipeline still requires convergence across multiple modules + a margin over the safety floor before deletion happens, and Gmail's trash (30-day recovery) is always used — never permanent delete.
About the scoring engine
Gorganizer's scoring engine emits over 1,800 signals across six modules — headers, sender, subject, body, attachments, and structural metadata. Every email is scored by every module independently; the final verdict requires multiple modules to agree and the trash score to beat the safety floor by a margin.
Sacred safety guards — never delete starred emails, replies, calendar invites, receipts/invoices, or attachments — apply unconditionally regardless of any signal.
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