Suspicious actor pattern with compromised account signals
The actor may be malicious, and the decision cannot be trusted.
Limited authority-pressure evidence
Decision confidence reduced by actor uncertainty
No usable voice context available
Strong account behavior deviation
How the Decision Integrity Score is derived. Weights below are illustrative and tuned with each institution during the pilot.
External authority & pressure pattern
Decision autonomy & answer consistency
Stress trajectory during confirmation
Beneficiary / timing anomaly vs baseline
Device fingerprint not previously associated with customer.
New recipient created before transfer.
Faster-than-normal flow across sensitive steps.
Step-up challenge and fraud escalation.
Challenge the session, hold the transaction, and route to fraud operations.
Action escalates with decision risk — friction stays proportional and hard blocks are the last resort.
Shadow-mode log only, no customer friction.
SMS / in-app reconfirmation on a safer channel.
Customer-care callback on a safe channel.
Hold transfer and notify a trusted contact.
Block and route to fraud operations.
Synthetic demo only. No real customer data is used in this dashboard preview.
Coercion-like decision risk detected despite clean fraud status.
Hard block not recommended; start with soft pause and safer-channel reconfirmation.
Review 3-5 anonymized or synthetic journeys with fraud, compliance, and customer care teams.