Machine learning based automated management of customer accounts

A method, comprising:

• at a computing platform comprising at least one processor, at least one physical sensor communicatively coupled to the at least one processor, and memory:
• determining, via a computing device and based on historical user activity of a user, a pattern of the user activity;
• identifying, from one or more external sources of data, an event of one or more events that impacts the pattern of the user activity;
• detecting, via the computing device and based on the identifying and based on a machine learning model, a deviation from the pattern of the user activity;
• identifying, via the computing device, an anticipated transaction of the user;
• retrieving, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction;
• determining whether the one or more preference rules apply to one or more attributes of the anticipated transaction;
• and
• triggering, via the computing device and based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, at least one physical sensor communicatively coupled to the at least one processor, and memory, cause the computing platform to:

• determine, via a computing device and based on historical user activity of a user, a pattern of the user activity;
• detect, via the computing device, a deviation from the pattern of the user activity;
• identify, via the computing device, an anticipated transaction of the user;
• retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction;
• determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction;
• and
• initiate, via an intelligent virtual assistant and based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an interactive session with the user;
• and
• trigger, based on the interactive session, an action associated with the anticipated transaction.