The Six-Dimension Scorecard: A proposed framework for assessing cyberfraud risk

The Six-Dimension Scorecard offers an expansion of the Fraud Triangle for the digital age by helping fraud examiners classify fraud as behavioral, technical or hybrid and tailor investigative resources accordingly. The author explains how to use the scorecard to triage cases, align controls across human and technical risks, and communicate clearly to leadership why certain incidents might require specialized cyber expertise.

A note from the author: The Six‑Dimension Scorecard is a practitioner‑developed assessment tool, not a validated predictive model. It reflects professional judgment, investigative experience and application to publicly documented cases. The framework hasn’t been formally validated through independent testing, external review or inter‑rater reliability studies. Accordingly, the framework should be used as a structured aid for organizing analysis, communicating risk characteristics and guiding resource allocation, not as a definitive method for proving fraud, predicting misconduct or classifying legal violations.