System and method for requirements scoring and malfeasance detection via machine learning

Abstract

Systems, computer program products, and methods are described herein for requirements scoring and malfeasance detection via machine learning. The present disclosure includes receiving resource transfer data associated with an account identifier, determining an obligation record in the resource transfer data based on the transfer entries comprising an obligation transaction, segmenting, for each of the transfer entries, a string element into discrete tokens, normalizing the discrete tokens into root tokens, grouping related root tokens into grouped root tokens, transforming the grouped root tokens into categorical feature vectors, determining a probability of each of the categorical feature vectors being associated with requirements, tagging, as requirements resource transfers, the categorical feature vectors upon a first condition where the probability is above a predetermined threshold, and storing the requirements resource transfers in a repository.