I know for a fact that The Canadian Revenue Agency has this type of system in place and it isn't reactive to a complaint. It's proactive. If you try to pull up, say, Wayne Gretzky's tax information the system is able to detect whether or not you have a likely need for the information. If not, you're temporarily denied access until your access is evaluated by humans that are capable of asking why you need access. "For funsies" is not an acceptable response.