Machine learning technology will provide the best results in detection of fraud in the future. Indeed, many organizations are actively driving replacement of human-driven rules analysis with machine-driven solutions. However, I believe that a mix of machined-led and human-led activity is the best fit for many organizations to maximize performance. There are several perceptions that suggest fraud rules are no longer fit. Ultimately a data-driven approach, regardless of human or machine involvement, is a state that organizations need to move to in order to maximize detection in the present and to ease the transition to a more machine-driven future.