Add configurable anomaly sensitivity and opt-in fraud risk factor explanations

[GenesisPray]

Summary

Add configurable anomaly sensitivity and opt-in fraud risk factor explanations

What was solved

#697 — anomalyDetector: Add configurable sensitivityLevel option (low/medium/high)

Add a configurable sensitivityLevel option to anomalyDetector that maps low/medium/high to Z-score thresholds 3.0/2.0/1.5 (default medium), and include the active sensitivityLevel in every anomaly report object for auditability, while keeping existing behavior/tests passing.

Addressed:

• Changed: src/lib/anomalyDetector.ts
• Accept a sensitivityLevel: "low" | "medium" | "high" option with default "medium"
• Map levels to Z-score thresholds: low→3.0, medium→2.0, high→1.5
• Include the current sensitivityLevel in every anomaly report object

#698 — fraudRiskScorer: Add explainability output listing contributing risk factors

Add an opt-in explain capability to fraudRiskScorer so that when explain: true is passed, the returned result includes a factors array of {name, weight, value} entries sorted by weight descending, while the default (no explain) result omits factors entirely.

Addressed:

• Changed: src/lib/fraudRiskScorer.ts
• When explain: true is passed, the result must include factors: Array<{name: string, weight: number, value: number}>
• The factors array must be sorted by weight descending (highest-impact first)
• When explain is false or omitted (default), the factors field must be absent from the result object

Changes

• src/lib/anomalyDetector.ts (modify)
• src/lib/fraudRiskScorer.ts (modify)

Approach

1. anomalyDetector: Add configurable sensitivityLevel option (low/medium/high) #697 — anomalyDetector: Add configurable sensitivityLevel option (low/medium/high) (Changed: src/lib/anomalyDetector.ts)
2. fraudRiskScorer: Add explainability output listing contributing risk factors #698 — fraudRiskScorer: Add explainability output listing contributing risk factors (Changed: src/lib/fraudRiskScorer.ts)

Issues

Closes #697
Closes #698
Closes #695
Closes #696

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