How it works

Follow one fraud decision from request to outcome

See the findings, the bank’s decision, and the record available for later review.

The bank chooses the facts it trusts

The bank chooses which records to include in an evaluation.

Use the identity and access results the bank already trusts.

Bring in the payment and account information the bank already holds.

Keep the responsible reviewer, decision, outcome, and later response with the same record.

Results from the bank's identity, bot-control, device, and network tools stay with the payment or account change they protected.

Keep the result from the bank's identity provider beside the decision it supported.

Keep the bank's bot-control result beside the action it protected.

Keep the device and network signals the bank already collects with the same decision.

Rule of Record shows the bank what changed when a planned action no longer matches what was approved. The reviewer can then examine that finding.

The reviewer sees that something no longer matches what was authorized, before release when the workflow allows.

The reviewer can inspect the source material behind a finding.

The question goes to the authorized bank employee responsible for the next decision.

What the bank decided and what happened next stay with the original request.

Authorized employees decide whether to allow, hold, investigate, or resolve the action.

The bank can continue when the final details match its authorized records and rules.

The bank can pause the action when a contradiction needs review.

An authorized employee can inspect the changed field and the records behind it.

The bank can keep the outcome and any later correction or dispute with the original decision.

The request, reviewer, decision, outcome, and later changes stay together in one record.