if response.get("prediction") == 1:
    fp = response.get("fraud_probability", 0.0)
    alert_payload = {
        "alert_id": f"API-ALT-{_random.randint(100000, 999999)}",
        "transaction_id": data.get("transaction_id", f"TXN-{_random.randint(10000, 99999)}"),
        "amount": float(data.get("amount", 0.0)),
        "timestamp": datetime.datetime.now().isoformat(),
        "model_probability": fp,
        "triggered_rules": ["MODEL_HIGH_FRAUD_RISK"] if fp >= 0.85 else ["MODEL_SUSPICIOUS_RISK"],
        "status": "BLOCKED" if fp >= 0.80 else "PENDING_OTP",
        "rag_context": response.get("rag_context", []),
        "sender_bank": data.get("sender_bank"),
        "regulatory_body": data.get("regulatory_body")
    }

    # Dispatch to SMS/Email notifier if it is critical (>= 85%)
    if _api_notifier is not None and fp >= 0.85:
        threading.Thread(target=_api_notifier.dispatch, args=(alert_payload,)).start()