A system for classifying a transaction as fraudulent includes a training component and a scoring component. The training component acts on historical data and also includes a multi-dimensional risk table component comprising one or more multidimensional risk tables each of which approximates an initial risk value for a substantially empty cell in a risk table based upon risk values in cells related to the substantially empty cell. The scoring component produces a score, based in part, on the risk tables associated with groupings of variables having values determined by the training component. The scoring component includes a statistical model that produces an output and wherein the transaction is classified as fraudulent when the output is above a selected threshold value.