{ "version": "0.1.0", "default_locale": "en", "checks": { "mrz_checksum_failure": { "messages": { "default": { "what": "The machine-readable zone (MRZ) on the identity document failed its built-in check-digit validation.", "what_to_do": "Treat the document as unverified, request a clearer scan or an alternative identity document before proceeding." } } }, "mrz_composite_checksum_unverified": { "messages": { "default": { "what": "The overall (composite) MRZ check digit could not be confirmed, although the document number, date of birth and expiry all validated.", "what_to_do": "Low concern on its own, investigate only if other identity findings are present." }, "HIGH": { "what": "The identity document's composite MRZ check digit could not be confirmed.", "what_to_do": "Re-scan the document at higher resolution or route it to identity review." }, "INFO": { "what": "The composite MRZ check digit is unverified; the other three check digits passed.", "what_to_do": "Treat as low concern unless other identity findings co-occur." } } }, "national_id_checksum_failure_egn": { "messages": { "default": { "what": "The Bulgarian national identity number (EGN) failed its checksum validation.", "what_to_do": "The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant." } } }, "national_id_checksum_failure_cnp": { "messages": { "default": { "what": "The Romanian national identity number (CNP) failed its checksum validation.", "what_to_do": "The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant." } } }, "national_id_checksum_failure_oib": { "messages": { "default": { "what": "The Croatian national identity number (OIB) failed its checksum validation.", "what_to_do": "The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant." } } }, "national_id_checksum_failure_rodne_cislo": { "messages": { "default": { "what": "The Slovak/Czech birth number (rodné číslo) failed its checksum validation.", "what_to_do": "The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant." } } }, "national_id_checksum_failure_cpr": { "messages": { "default": { "what": "The Danish personal number (CPR) is not a valid number.", "what_to_do": "Re-check the document and confirm the number with the applicant." } } }, "sv_nr_invalid": { "messages": { "default": { "what": "The Austrian social-security number (SV-Nr) is not a valid number.", "what_to_do": "Confirm the number against the source document; a genuine invalid number should be queried with the applicant." } } }, "aut_pa_fraud_batch_range": { "messages": { "default": { "what": "The Austrian ID card (Personalausweis) number falls within a confirmed fraud batch reported to the authorities.", "what_to_do": "Decline or escalate, this card series is on a known-fraud list." } } }, "pa_number_extended_batch_proximity": { "messages": { "default": { "what": "The Austrian ID card number is numerically close to a known fraud batch.", "what_to_do": "Treat as a supporting signal, review alongside any other findings on this applicant." } } }, "at_fuehrerschein_era_mismatch": { "messages": { "default": { "what": "The Austrian driving-licence card format does not match its stated year of issue.", "what_to_do": "Verify the licence; an inconsistent format can indicate a counterfeit." } } }, "identity_name_cross_script_unverifiable": { "messages": { "default": { "what": "The applicant's name is written in a non-Latin script and could not be verified automatically.", "what_to_do": "Verify the name manually against the source document." } } }, "applicant_name_id_mismatch": { "messages": { "default": { "what": "The applicant name supplied with the case does not match the name on the identity document.", "what_to_do": "Confirm the correct spelling with the applicant; escalate a genuine mismatch." } } }, "height_cross_match": { "messages": { "default": { "what": "Several applicants in this batch declared an identical height on their ID documents, a pattern consistent with a reused document template.", "what_to_do": "Review the linked applicants together for a possible fraud ring." } } }, "bv_cumulative_doubling": { "messages": { "default": { "what": "The year-to-date contribution total on the payslip doubles and then reverts, a known fabrication pattern.", "what_to_do": "Decline or escalate; request original payslips directly from the employer." } } }, "bv_cumulative_reversal": { "messages": { "default": { "what": "The year-to-date contribution total decreases from one payslip to the next, which should not happen within a year.", "what_to_do": "Request corrected payslips; escalate if the figures are not explained." } } }, "gz_arithmetic_mismatch": { "messages": { "default": { "what": "The payslip's net pay does not match its gross pay minus the declared deductions.", "what_to_do": "Request an updated payslip or the missing deduction line before approving." }, "MEDIUM": { "what": "There is a small arithmetic gap on the payslip, most likely a missing voluntary deduction.", "what_to_do": "Confirm with the applicant if the case would otherwise reject; safe to accept on review." }, "CRITICAL": { "what": "The payslip does not add up: net pay is inconsistent with gross pay minus deductions.", "what_to_do": "Decline or escalate, request an original payslip from the employer." } } }, "gz_arithmetic_not_verified": { "messages": { "default": { "what": "The payslip arithmetic could not be confirmed because some deduction figures were not readable.", "what_to_do": "Request a clearer copy if you need the arithmetic confirmed; otherwise review manually." } } }, "exit_payslip_detected": { "messages": { "default": { "what": "This payslip indicates the applicant's employment has ended (exit / Austritt).", "what_to_do": "Not a fraud signal, flag to the relationship team that the declared income may no longer be current." } } }, "payslip_period_duplicate": { "messages": { "default": { "what": "Two payslips cover the same pay period.", "what_to_do": "Request the correct, distinct payslip for each period." } } }, "payslip_period_gap": { "messages": { "default": { "what": "The submitted payslips do not form a continuous recent sequence, one or more periods are missing.", "what_to_do": "Request the missing payslips to complete the sequence." } } }, "payslip_period_future_dated": { "messages": { "default": { "what": "A payslip is dated in the future relative to the submission date.", "what_to_do": "Request a corrected payslip; a future date suggests the document was edited." } } }, "payslip_period_label_mismatch": { "messages": { "default": { "what": "The month shown in the payslip header does not match its payment date.", "what_to_do": "Request clarification or a corrected payslip." } } }, "financial_anomaly": { "messages": { "default": { "what": "The declared income is far outside the normal range for the stated occupation.", "what_to_do": "Escalate for review, verify the employment and salary independently." } } }, "lst_secondary_employer_override": { "messages": { "default": { "what": "The wage-tax (Lohnsteuer) deduction looks inconsistent with a single employer, which can be normal for someone with a second job.", "what_to_do": "No action needed unless the applicant declared only one employer; confirm if in doubt." } } }, "gz_creation_date_backdated": { "messages": { "default": { "what": "The payslip PDF was created at a date inconsistent with its pay period (well before or long after it).", "what_to_do": "Request an original payslip issued directly by the employer." } } }, "kaz_creation_date_backdated": { "messages": { "default": { "what": "The bank-statement PDF was created before the period it covers had ended, which is not possible for a genuine statement.", "what_to_do": "Request an original statement downloaded directly from the bank." } } }, "kaz_creation_date_post_print_date": { "messages": { "default": { "what": "The bank-statement PDF was created more than a week after the date printed on it.", "what_to_do": "Request an original statement from the bank to rule out later editing." } } }, "balance_arithmetic_mismatch": { "messages": { "default": { "what": "The bank statement does not balance: the opening balance plus the transactions does not equal the closing balance.", "what_to_do": "Decline or escalate, request an original statement from the bank." } } }, "credit_before_payslip_date": { "messages": { "default": { "what": "A salary credit appears on the bank statement before the payslip's payment date.", "what_to_do": "Review for a legitimate advance (Vorschuss); escalate if it is unexplained." } } }, "iban_checksum_fail": { "messages": { "default": { "what": "An IBAN on the document failed its checksum validation and is not a valid account number.", "what_to_do": "Re-check the IBAN and confirm the correct account number with the applicant." } } }, "iban_blz_not_in_oenb": { "messages": { "default": { "what": "The bank code (BLZ) in the IBAN is not in the Austrian National Bank register.", "what_to_do": "Verify the account details; the IBAN may be mistyped or non-Austrian." } } }, "failed_debit_detected": { "messages": { "default": { "what": "The statement shows a returned or failed direct debit.", "what_to_do": "Informational, consider as part of the affordability picture." } } }, "chronic_overdraft": { "messages": { "default": { "what": "The account was overdrawn for sustained periods.", "what_to_do": "Informational financial-stress signal, weigh it in the affordability assessment." } } }, "sollzinsen_detected": { "messages": { "default": { "what": "Overdraft interest (Sollzinsen) was charged on the account.", "what_to_do": "Informational, indicates overdraft use during the period." } } }, "address_not_extracted": { "messages": { "default": { "what": "The address could not be read from the bank statement, so the cross-document address check was skipped.", "what_to_do": "If address confirmation matters for this case, request a clearer copy." } } }, "transactions_after_period_end": { "messages": { "default": { "what": "The statement contains transactions dated after its stated period end, the period heading was likely altered.", "what_to_do": "Request an original statement from the bank." } } }, "aml_foreign_remittance": { "messages": { "default": { "what": "The account shows payments to high-risk jurisdictions or via remittance services.", "what_to_do": "Escalate to Compliance for an anti-money-laundering review." } } }, "failed_debit_pattern": { "messages": { "default": { "what": "The statement shows repeated failed direct debits, indicating insufficient funds.", "what_to_do": "Escalate, this pattern points to a serious liquidity problem." } } }, "anonymous_credit_cluster": { "messages": { "default": { "what": "The account received significant credits with no identifiable payer.", "what_to_do": "Escalate to Compliance, unexplained incoming funds require review." } } }, "kaz_income_absent_high_expenses": { "messages": { "default": { "what": "The statement shows large recurring outgoings but no salary-level credit, the claimed wage was never deposited.", "what_to_do": "Escalate, the declared income is not supported by the account." } } }, "iban_country_not_allowed": { "messages": { "default": { "what": "The account's country is not on this bank's list of permitted countries.", "what_to_do": "Review against your onboarding policy for the country in question." } } }, "pensionsbescheid_detected": { "messages": { "default": { "what": "A pension or welfare notice was identified as an income source.", "what_to_do": "Informational, no action needed." } } }, "pensionsbescheid_confirmed_by_kaz": { "messages": { "default": { "what": "The pension amount on the notice matches a recurring deposit on the bank statement.", "what_to_do": "No action, the pension income is corroborated." } } }, "pensionsbescheid_no_kaz_confirmation": { "messages": { "default": { "what": "The pension notice could not be matched to a deposit on the bank statement.", "what_to_do": "Request a statement showing the pension payment, or confirm the income another way." } } }, "pensionsbescheid_amount_missing": { "messages": { "default": { "what": "The pension amount could not be read from the notice.", "what_to_do": "Request a clearer copy of the pension notice." } } }, "pensionsbescheid_issuing_authority_unrecognized": { "messages": { "default": { "what": "The authority that issued the pension notice is not a recognised Austrian pension body.", "what_to_do": "Verify the issuer before relying on the notice." } } }, "name_inconsistent_cross_doc": { "messages": { "default": { "what": "The names on the submitted documents do not all resolve to the same person.", "what_to_do": "Confirm the documents belong to one applicant; escalate a genuine mismatch." } } }, "address_mismatch_cross_doc": { "messages": { "default": { "what": "The addresses on the documents do not match.", "what_to_do": "Escalate, confirm the applicant's current address from an authoritative source." } } }, "dob_mismatch_cross_doc": { "messages": { "default": { "what": "The dates of birth differ across the documents.", "what_to_do": "Escalate, a date-of-birth mismatch may indicate document substitution." } } }, "employer_salary_missing": { "messages": { "default": { "what": "The expected employer salary could not be found on the bank statement by name or amount.", "what_to_do": "Verify the employment and that the salary is paid into this account." } } }, "employer_salary_unverified": { "messages": { "default": { "what": "The employer name was not found on the bank statement, although a credit close to the expected net salary is present.", "what_to_do": "Confirm the credit is the salary from the named employer." } } }, "pdf_timezone_mismatch": { "messages": { "default": { "what": "The time-zone stamps in the PDF timestamps are inconsistent across documents.", "what_to_do": "Treat as a supporting signal, review alongside other document-authenticity findings." } } }, "document_type_mismatch": { "messages": { "default": { "what": "A submitted file does not match the document type it was uploaded as.", "what_to_do": "Ask the applicant to re-upload the correct document for that slot." } } }, "optical_vs_metadata_date_mismatch": { "messages": { "default": { "what": "The date printed on the document differs from the date stored inside the PDF file.", "what_to_do": "Review the gap, a large difference suggests the document was re-rendered or back-dated." }, "INFO": { "what": "The printed date and the PDF's internal date differ by a small margin.", "what_to_do": "Low concern, no action needed unless other findings are present." }, "HIGH": { "what": "The date printed on the document and the date stored inside the PDF differ substantially.", "what_to_do": "Request an original document; a large gap indicates back-dating or re-rendering." } } }, "salary_credit_confirmed": { "messages": { "default": { "what": "A salary credit matching the payslip was found on the bank statement.", "what_to_do": "No action, the income is corroborated." } } }, "salary_credit_not_found": { "messages": { "default": { "what": "The expected salary credit was not found on the bank statement within the matching window.", "what_to_do": "Request a statement covering the pay date, or confirm where the salary is paid." } } }, "bank_iban_payslip_mismatch": { "messages": { "default": { "what": "The account on the payslip does not match the account on the bank statement.", "what_to_do": "Confirm where the salary is actually paid, a mismatch can indicate income routed elsewhere." } } }, "gz_kaz_sender_iban_mismatch": { "messages": { "default": { "what": "The employer's paying account on the payslip does not appear in any salary credit on the bank statement.", "what_to_do": "Verify that the salary is paid by the named employer." } } }, "gz_kaz_employer_cross_check": { "messages": { "default": { "what": "The payer of the matched salary credit is not the employer named on the payslip.", "what_to_do": "Confirm the employment relationship and who actually pays the applicant." } } }, "geographic_incoherence": { "messages": { "default": { "what": "The countries implied by the account, ID, address, employer and phone number are not consistent with each other.", "what_to_do": "Review the applicant's stated circumstances for an explanation." } } }, "wrong_person_id": { "messages": { "default": { "what": "The identity document appears to belong to a different applicant in this batch.", "what_to_do": "Escalate, confirm each document is matched to the correct applicant." } } }, "ring_match_biometric": { "messages": { "default": { "what": "This applicant's face or signature matches another applicant in the batch.", "what_to_do": "Escalate the linked applicants together as a possible fraud ring." } } }, "ring_match_shared_iban_non_household": { "messages": { "default": { "what": "This applicant shares a bank account with another, unrelated applicant.", "what_to_do": "Escalate, a shared account across unrelated applicants is a fraud-ring signal." } } }, "ring_match_pa_proximity_plus_signals": { "messages": { "default": { "what": "This applicant's ID number clusters with another applicant's within a fraud batch, alongside other matching signals.", "what_to_do": "Escalate the linked applicants as a possible ring." } } }, "ring_match_same_person_two_ids": { "messages": { "default": { "what": "The same face appears on two different identity documents with different declared identities.", "what_to_do": "Escalate, this indicates identity stitching." } } }, "ring_deterministic": { "messages": { "default": { "what": "Two or more independent fraud-ring signals link this applicant to others in the batch.", "what_to_do": "Escalate the linked group for ring review." } } }, "identical_payslip_cross_applicant": { "messages": { "default": { "what": "An identical payslip appears across multiple applicants.", "what_to_do": "Escalate, duplicate payslips indicate a shared fabrication source." } } }, "shared_employer_cluster": { "messages": { "default": { "what": "This applicant shares an employer with several other unrelated applicants in the batch.", "what_to_do": "Review the cluster, common for large employers, but corroborate with other signals." } } }, "name_flip_cross_applicant": { "messages": { "default": { "what": "This applicant's name appears as a re-ordered or phonetic variant of another applicant's.", "what_to_do": "Escalate the linked applicants for possible identity manipulation." } } }, "submission_timestamp_cluster": { "messages": { "default": { "what": "Several applicants submitted within a very short time window.", "what_to_do": "Review the cluster, coordinated submissions can indicate an intermediary." } } }, "shared_pdf_creator": { "messages": { "default": { "what": "Documents from several applicants were produced by the same non-standard PDF tool.", "what_to_do": "Escalate, a shared document source points to an intermediary or ring." } } }, "ring_payslip_escalation": { "messages": { "default": { "what": "This applicant was escalated because a linked ring member has a serious payslip anomaly.", "what_to_do": "Review the linked applicants together." } } }, "workplace_coupling_cluster": { "messages": { "default": { "what": "Applicants share the same payroll account and have phonetically similar names.", "what_to_do": "Escalate as a possible coordinated ring." } } }, "aml_pass_through_account": { "messages": { "default": { "what": "The account shows high in-and-out flow with very little money retained, a money-mule / pass-through pattern.", "what_to_do": "Escalate to Compliance for an anti-money-laundering review." } } }, "shared_anonymous_credit_source": { "messages": { "default": { "what": "Several applicants receive credits from the same unidentified source.", "what_to_do": "Escalate, a shared anonymous payer is a coordinated-ring signal." } } }, "structured_dispersal_cross_applicant": { "messages": { "default": { "what": "Several applicants receive amounts kept just under reporting thresholds from the same source.", "what_to_do": "Escalate to Compliance, this pattern indicates structuring." } } }, "repeat_applicant_iban": { "messages": { "default": { "what": "This account has been seen on a previous applicant in your history.", "what_to_do": "Review the earlier case, a repeat account may indicate recycled details." } } }, "repeat_applicant_pa_number": { "messages": { "default": { "what": "This ID number has been seen on a previous applicant.", "what_to_do": "Review the earlier case for recycled identity details." } } }, "repeat_applicant_sv_nr": { "messages": { "default": { "what": "This social-security number has been seen on a previous applicant.", "what_to_do": "Review the earlier case for recycled identity details." } } }, "repeat_applicant_name": { "messages": { "default": { "what": "This applicant's name matches a previous applicant in your history.", "what_to_do": "Review the earlier case to confirm whether this is the same person." } } }, "repeat_applicant_address": { "messages": { "default": { "what": "This address has been seen on a previous applicant.", "what_to_do": "Review the earlier case, a shared address may be a household or a ring." } } }, "repeat_applicant_face_biometric": { "messages": { "default": { "what": "This applicant's face matches a previous applicant in your history.", "what_to_do": "Escalate, a repeat face under a new identity indicates repeat fraud." } } }, "same_applicant_resubmission": { "messages": { "default": { "what": "This applicant appears to have submitted before, in this batch or your history.", "what_to_do": "Review whether this is a duplicate or a repeat application." } } }, "repeat_applicant_employer": { "messages": { "default": { "what": "This employer has been seen on a previous applicant.", "what_to_do": "Review for a possible shared-employer ring." } } }, "cross_batch_ring": { "messages": { "default": { "what": "Repeat-applicant signals combine to link this applicant to a ring spanning your application history.", "what_to_do": "Escalate the linked group for ring review." } } }, "wrong_person_biometric": { "messages": { "default": { "what": "The face on the identity document does not match the face on the applicant's other document.", "what_to_do": "Decline or escalate, this indicates identity substitution." } } }, "image_source_detected": { "messages": { "default": { "what": "The document was submitted as a photo or image and converted to PDF on intake.", "what_to_do": "Informational, an original PDF from the issuer is preferable where available." } } }, "phone_camera_capture": { "messages": { "default": { "what": "The document is a phone photo, based on its image metadata.", "what_to_do": "Informational, request an original PDF if document authenticity is in question." } } }, "scanner_capture": { "messages": { "default": { "what": "The document was produced by scanner software, based on its metadata.", "what_to_do": "Informational, no action unless other findings are present." } } }, "metadata_absent": { "messages": { "default": { "what": "The image-sourced document has no embedded metadata, which can indicate it was re-saved.", "what_to_do": "Treat as a supporting signal, request an original if other findings co-occur." } } }, "metadata_datetime_mismatch": { "messages": { "default": { "what": "The image's 'taken' and 'digitised' timestamps differ, indicating the timestamps were altered.", "what_to_do": "Request an original document; altered timestamps are a tampering signal." } } }, "metadata_edited": { "messages": { "default": { "what": "The image was processed by photo-editing software (for example Photoshop).", "what_to_do": "Escalate, request an unedited original document." } } }, "gps_coordinates_present": { "messages": { "default": { "what": "The image contains GPS location data.", "what_to_do": "Informational, can corroborate or contradict the stated location." } } }, "whatsapp_transmission_detected": { "messages": { "default": { "what": "The document shows the fingerprint of having been sent through WhatsApp before submission.", "what_to_do": "Request the original file; documents routed via messaging apps are re-compressed and harder to verify." } } }, "pending_biometric_viz_dob": { "messages": { "default": { "what": "The date of birth could not be read from the visible part of the identity document.", "what_to_do": "Confirm the date of birth manually from the document." } } }, "viz_mrz_dob_mismatch": { "messages": { "default": { "what": "The visible date of birth on the ID differs from the date of birth in its machine-readable zone.", "what_to_do": "Escalate, a mismatch between the two can indicate a tampered document." } } }, "signature_overlay_detected": { "messages": { "default": { "what": "The signature appears to have been pasted onto the document rather than signed on it.", "what_to_do": "Decline or escalate, a pasted signature is a forgery signal." } } }, "extraction_quality_low": { "messages": { "default": { "what": "The document could not be read with enough confidence to analyse it fully.", "what_to_do": "Request a clearer copy of the document." } } }, "required_fields_missing": { "messages": { "default": { "what": "Required fields could not be found in one or more documents.", "what_to_do": "Request a complete copy showing the missing information." } } }, "image_only_submission": { "messages": { "default": { "what": "A PDF was submitted as a scanned image with no text layer, which limits the checks that can run.", "what_to_do": "Request a text-based PDF downloaded directly from the issuer." } } }, "page_count_implausible": { "messages": { "default": { "what": "A document has an unexpected number of pages for its type.", "what_to_do": "Confirm the full document was submitted." } } }, "acroform_present": { "messages": { "default": { "what": "The PDF contains fillable form fields, which is common in bank-reprinted documents.", "what_to_do": "Informational, no action needed for normal bank workflows." } } }, "ms_word_pdf_creator": { "messages": { "default": { "what": "The PDF was created by Microsoft Word, which is common when a document is reprinted.", "what_to_do": "Informational, no action needed for normal bank workflows." } } }, "print_to_pdf_creator": { "messages": { "default": { "what": "The PDF was produced by a 'print to PDF' tool, which is common in bank workflows.", "what_to_do": "Informational, no action needed for normal bank workflows." } } }, "microsoft_print_to_pdf_creator": { "messages": { "default": { "what": "The PDF was produced by Microsoft Print to PDF, which is common in bank workflows.", "what_to_do": "Informational, no action needed for normal bank workflows." } } }, "pdf_timestamp_impossible": { "messages": { "default": { "what": "The PDF's modification date is earlier than its creation date, which is not possible for an untouched file.", "what_to_do": "Request an original document; the timestamps indicate tampering." } } }, "gradient_pixel_inconsistency": { "messages": { "default": { "what": "The pixel-forensics provider flagged inconsistencies in the document image.", "what_to_do": "Review the flagged document for signs of editing; escalate if confirmed." } } }, "Q3_EXTRACTION_FAILURE": { "messages": { "default": { "what": "One or more documents could not be processed at all.", "what_to_do": "Re-submit the failing documents; check they are not corrupted or password-protected." } } }, "extraction_failed": { "messages": { "default": { "what": "A document-reading step did not complete because of a processing error.", "what_to_do": "Re-submit the affected document; if it recurs, contact support." } } }, "social_media_crosscheck": { "messages": { "default": { "what": "The applicant's social-media presence was assessed for consistency with their declared identity and employer.", "what_to_do": "Review the assessment alongside the other identity checks." } } }, "employer_internet_search": { "messages": { "default": { "what": "The declared employer was checked against public web sources to confirm it is a real business.", "what_to_do": "Review the result where the employer could not be confirmed." } } }, "employer_reputation_search": { "messages": { "default": { "what": "Public sources were screened for adverse information about the declared employer.", "what_to_do": "Review any adverse findings before relying on the employment." } } }, "ksv1870_person_not_found": { "messages": { "default": { "what": "The applicant was not found in the external person-verification registry.", "what_to_do": "Verify the applicant's identity by other means." } } }, "ksv1870_person_insolvent": { "messages": { "default": { "what": "The external registry reports the applicant as insolvent.", "what_to_do": "Factor the insolvency into the credit decision; escalate per policy." } } }, "ksv1870_employer_not_found": { "messages": { "default": { "what": "The declared employer was not found in the business registry.", "what_to_do": "Verify the employer exists before relying on the employment." } } }, "ksv1870_employer_inactive": { "messages": { "default": { "what": "The business registry reports the declared employer as inactive.", "what_to_do": "Verify the applicant's current employment status." } } }, "ksv1870_api_unreachable": { "messages": { "default": { "what": "The external person/employer registry could not be reached, so that check did not run.", "what_to_do": "Retry later if the registry check is required for this case." } } }, "gradient_api_unreachable": { "messages": { "default": { "what": "The pixel-forensics provider could not be reached, so that check did not run.", "what_to_do": "Retry later if pixel forensics are required for this case." } } }, "biller_registry_hit": { "messages": { "default": { "what": "A counterparty on the document matched an entry in the biller registry.", "what_to_do": "Informational, confirms a known biller; no action unless flagged elsewhere." } } }, "umbrella_address_api_unreachable": { "messages": { "default": { "what": "The address-verification service could not be reached, so that check did not run.", "what_to_do": "Retry later if address verification is required." } } }, "umbrella_address_invalid": { "messages": { "default": { "what": "The address-verification service reports the supplied address as invalid.", "what_to_do": "Confirm the correct address with the applicant." } } }, "umbrella_address_no_match": { "messages": { "default": { "what": "The address-verification service could not match the supplied address.", "what_to_do": "Confirm the address with the applicant or an authoritative source." } } }, "umbrella_aml_api_unreachable": { "messages": { "default": { "what": "The sanctions/AML screening service could not be reached, so that check did not run.", "what_to_do": "Retry before completing onboarding, AML screening is required." } } }, "umbrella_aml_sanction_hit": { "messages": { "default": { "what": "The applicant matched a sanctions list.", "what_to_do": "Escalate to Compliance immediately, do not proceed until the case is cleared." } } }, "umbrella_aml_criminal_hit": { "messages": { "default": { "what": "The applicant matched a criminal-records screening.", "what_to_do": "Escalate to Compliance for review." } } }, "umbrella_aml_pep_hit": { "messages": { "default": { "what": "The applicant matched a politically-exposed-person (PEP) list.", "what_to_do": "Apply enhanced due diligence per your PEP policy." } } }, "umbrella_credit_api_unreachable": { "messages": { "default": { "what": "The credit-screening service could not be reached, so that check did not run.", "what_to_do": "Retry later if a credit check is required." } } }, "umbrella_credit_poor": { "messages": { "default": { "what": "The credit-screening service reports poor credit.", "what_to_do": "Factor the result into the credit decision per policy." } } }, "umbrella_osint_api_unreachable": { "messages": { "default": { "what": "The open-source-intelligence service could not be reached, so that check did not run.", "what_to_do": "Retry later if OSINT screening is required." } } }, "umbrella_osint_adverse_media": { "messages": { "default": { "what": "Open-source screening found adverse media about the applicant.", "what_to_do": "Review the adverse findings before proceeding." } } }, "id_template_nonconformance": { "messages": { "default": { "what": "The identity document's layout does not match the official template for its country.", "what_to_do": "Escalate to identity review, the document may be counterfeit." } } } }, "override_rules": { "I1": { "what": "The verdict was set to decline because an identity document failed its checksum validation.", "what_to_do": "Review the failing identity finding; request a valid document." }, "P3": { "what": "The verdict was set to decline because the payslip shows a year-to-date doubling fabrication pattern.", "what_to_do": "Request original payslips from the employer." }, "B2": { "what": "The verdict was set to decline because a document was created at an impossible date relative to its content.", "what_to_do": "Request an original document issued by the source." }, "B3": { "what": "The verdict was set to decline because the bank statement contains transactions dated after its stated period.", "what_to_do": "Request an original statement from the bank." }, "B5": { "what": "The verdict was set to decline because the bank statement does not balance.", "what_to_do": "Request an original statement from the bank." }, "B11": { "what": "The verdict was set to decline because the account shows high expenses but no salary deposit.", "what_to_do": "Confirm where the declared income is actually paid." }, "I9_AT": { "what": "The verdict was set to decline because the ID number is on a confirmed government fraud list.", "what_to_do": "Decline and preserve the case in the audit log." }, "X_RING": { "what": "The verdict was set to decline because this applicant is part of a detected fraud ring.", "what_to_do": "Escalate the linked applicants together." }, "W_BIO_REJECT": { "what": "The verdict was set to decline because the face on the ID does not match the applicant's other document.", "what_to_do": "Confirm identity in person or with a fresh document." }, "S_OVERLAY_REJECT": { "what": "The verdict was set to decline because a signature appears to have been pasted onto a document.", "what_to_do": "Request an original signed document." }, "I13": { "what": "The verdict was set to decline because an identity document belongs to a different person.", "what_to_do": "Confirm each document is matched to the correct applicant." }, "X_REPEAT_IBAN": { "what": "The verdict was set to decline because this account was used by a previous applicant.", "what_to_do": "Review the earlier case before proceeding." }, "X_REPEAT_BIOMETRIC": { "what": "The verdict was set to decline because this face matches a previous applicant under a different identity.", "what_to_do": "Escalate as repeat fraud." }, "X_REPEAT_PA": { "what": "The verdict was set to decline because this ID number was used by a previous applicant.", "what_to_do": "Review the earlier case before proceeding." }, "X_REPEAT_SV": { "what": "The verdict was set to decline because this social-security number was used by a previous applicant.", "what_to_do": "Review the earlier case before proceeding." }, "X_CROSS_BATCH_RING": { "what": "The verdict was set to decline because this applicant links to a ring spanning your application history.", "what_to_do": "Escalate the linked group." }, "P5": { "what": "The verdict was set to decline because declared income is far outside the normal range for the occupation.", "what_to_do": "Verify employment and salary independently." }, "P4_NV": { "what": "The verdict was set to 'pass with conditions' because the payslip arithmetic could not be fully confirmed.", "what_to_do": "Confirm the figures manually if the case is otherwise borderline." }, "PB1_CONDITIONAL": { "what": "The verdict was set to 'pass with conditions' because the pension income could not be fully confirmed.", "what_to_do": "Request supporting evidence of the pension payment." }, "I_CROSS_SCRIPT_CONDITIONAL": { "what": "The verdict was set to 'pass with conditions' because a name in a non-Latin script could not be verified automatically.", "what_to_do": "Verify the name manually against the document." }, "P6": { "what": "The verdict was set to decline because the payslip does not add up.", "what_to_do": "Request an original payslip from the employer." }, "AML1": { "what": "The verdict was set to decline because of a high-risk foreign-remittance pattern.", "what_to_do": "Escalate to Compliance for an AML review." }, "AML2": { "what": "The verdict was set to decline because of significant unexplained incoming credits.", "what_to_do": "Escalate to Compliance for an AML review." }, "LIQ1": { "what": "The verdict was set to decline because of repeated failed debits indicating severe liquidity problems.", "what_to_do": "Escalate per your affordability policy." }, "B10": { "what": "The verdict was escalated because a salary credit appears before its payslip date.", "what_to_do": "Review for a legitimate advance before deciding." }, "Q1": { "what": "The verdict is pending because a document was submitted as an image with no text layer.", "what_to_do": "Request a text-based PDF from the issuer and re-submit." }, "Q3": { "what": "The verdict is pending because one or more documents could not be processed.", "what_to_do": "Re-submit the failing documents." }, "M_EXTRACTION_FAILED_CAP": { "what": "A document-reading error was treated as informational so it does not by itself change the verdict.", "what_to_do": "Re-submit the affected document if the rest of the case depends on it." }, "C3": { "what": "A cross-document address mismatch was treated as a critical finding.", "what_to_do": "Confirm the applicant's address from an authoritative source." }, "M8_ACROFORM": { "what": "Fillable form fields in the PDF were treated as informational only.", "what_to_do": "No action, common in bank-reprinted documents." }, "M9_WORD": { "what": "A document produced by Word or a print-to-PDF tool was treated as informational only.", "what_to_do": "No action, common in bank workflows." }, "M9_WORD_CONDITIONAL": { "what": "A document produced by Word or a print-to-PDF tool was treated as a minor condition rather than a fraud signal.", "what_to_do": "No action unless other findings are present." }, "X10_CRYPTO": { "what": "An isolated crypto-related transaction was treated as informational only.", "what_to_do": "No action unless it is part of a wider pattern." }, "F13": { "what": "The verdict was raised to escalate as a safety net because at least one serious finding was present.", "what_to_do": "Review the findings list and route to second-line review." }, "F14": { "what": "The verdict was set to decline as a safety net because several income-evidence findings occurred together.", "what_to_do": "Review the combined findings; request original documents." } }, "verdicts": { "REJECT": { "what": "Fraud or forgery was confirmed by one or more deterministic checks.", "what_to_do": "Decline the application and preserve the evidence in your audit log." }, "ESCALATE": { "what": "There is enough concern to require human review before a decision.", "what_to_do": "Route the case to your second-line review team." }, "CONDITIONAL": { "what": "The case passes with caveats, minor anomalies are present.", "what_to_do": "Accept, and review the findings if your policy requires." }, "PASS": { "what": "All checks passed.", "what_to_do": "Accept without further forensic review." }, "PENDING": { "what": "Analysis could not be completed, a document was unreadable or incomplete.", "what_to_do": "Re-submit a clearer copy of the failing document, then re-run." } }, "case_type_checks": { "unassigned_document": { "messages": { "default": { "what": "A submitted document is not assigned to any role in the case, so it was not checked.", "what_to_do": "Add the document to the manifest under the right role, or remove it if it does not belong to the case." } } }, "manifest_document_missing": { "messages": { "default": { "what": "The manifest lists a document that was not submitted.", "what_to_do": "Submit the missing document, or correct the manifest if the document is not part of the case." } } } } }