Messages

Every forensic check, override rule and verdict band carries an operator-facing message: what was found (factual) and what to do (the next step). Messages are written for a back-office case reviewer: plain language, no engineer shorthand. The API returns these on every finding (findings[].message) and on the result (verdict_message).

Per-tenant message overrides and additional languages are applied on top of this default catalogue where configured. This page shows the defaults.

Checks are grouped by the package (SKU) they belong to. Packages marked "vendor pass-through" surface a licensed component's own response codes; those codes are listed in the findings reference you receive at onboarding, not here. Stable check_id values and override-rule ids are catalogued in check-catalog.json; tolerate unknown codes.

Catalogue version 0.1.0, default locale en. Source: messages-catalog.json.

Checks by package

meta: Quality gate

Check	Severity	What it means	What to do
document_type_mismatch	default	A submitted file does not match the document type it was uploaded as.	Ask the applicant to re-upload the correct document for that slot.
extraction_quality_low	default	The document could not be read with enough confidence to analyse it fully.	Request a clearer copy of the document.
required_fields_missing	default	Required fields could not be found in one or more documents.	Request a complete copy showing the missing information.
image_only_submission	default	A PDF was submitted as a scanned image with no text layer, which limits the checks that can run.	Request a text-based PDF downloaded directly from the issuer.
page_count_implausible	default	A document has an unexpected number of pages for its type.	Confirm the full document was submitted.
Q3_EXTRACTION_FAILURE	default	One or more documents could not be processed at all.	Re-submit the failing documents; check they are not corrupted or password-protected.
extraction_failed	default	A document-reading step did not complete because of a processing error.	Re-submit the affected document; if it recurs, contact support.

A1: pixel-forensics (vendor pass-through)

A1 passes through a licensed pixel-forensics component, which returns its own set of response codes. These are not enumerated here, the findings reference provided during onboarding lists the full code set and operator guidance. Aletheia surfaces each response under SKU A1.

A2: Simple deterministic forensic checks

Check	Severity	What it means	What to do
mrz_checksum_failure	default	The machine-readable zone (MRZ) on the identity document failed its built-in check-digit validation.	Treat the document as unverified, request a clearer scan or an alternative identity document before proceeding.
mrz_composite_checksum_unverified	default	The overall (composite) MRZ check digit could not be confirmed, although the document number, date of birth and expiry all validated.	Low concern on its own, investigate only if other identity findings are present.
	HIGH	The identity document's composite MRZ check digit could not be confirmed.	Re-scan the document at higher resolution or route it to identity review.
	INFO	The composite MRZ check digit is unverified; the other three check digits passed.	Treat as low concern unless other identity findings co-occur.
national_id_checksum_failure_egn	default	The Bulgarian national identity number (EGN) failed its checksum validation.	The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant.
national_id_checksum_failure_cnp	default	The Romanian national identity number (CNP) failed its checksum validation.	The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant.
national_id_checksum_failure_oib	default	The Croatian national identity number (OIB) failed its checksum validation.	The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant.
national_id_checksum_failure_rodne_cislo	default	The Slovak/Czech birth number (rodné číslo) failed its checksum validation.	The number is likely mistyped or invalid, re-check the document and confirm the number with the applicant.
national_id_checksum_failure_cpr	default	The Danish personal number (CPR) is not a valid number.	Re-check the document and confirm the number with the applicant.
sv_nr_invalid	default	The Austrian social-security number (SV-Nr) is not a valid number.	Confirm the number against the source document; a genuine invalid number should be queried with the applicant.
at_fuehrerschein_era_mismatch	default	The Austrian driving-licence card format does not match its stated year of issue.	Verify the licence; an inconsistent format can indicate a counterfeit.
identity_name_cross_script_unverifiable	default	The applicant's name is written in a non-Latin script and could not be verified automatically.	Verify the name manually against the source document.
applicant_name_id_mismatch	default	The applicant name supplied with the case does not match the name on the identity document.	Confirm the correct spelling with the applicant; escalate a genuine mismatch.
exit_payslip_detected	default	This payslip indicates the applicant's employment has ended (exit / Austritt).	Not a fraud signal, flag to the relationship team that the declared income may no longer be current.
payslip_period_duplicate	default	Two payslips cover the same pay period.	Request the correct, distinct payslip for each period.
payslip_period_future_dated	default	A payslip is dated in the future relative to the submission date.	Request a corrected payslip; a future date suggests the document was edited.
payslip_period_label_mismatch	default	The month shown in the payslip header does not match its payment date.	Request clarification or a corrected payslip.
lst_secondary_employer_override	default	The wage-tax (Lohnsteuer) deduction looks inconsistent with a single employer, which can be normal for someone with a second job.	No action needed unless the applicant declared only one employer; confirm if in doubt.
gz_creation_date_backdated	default	The payslip PDF was created at a date inconsistent with its pay period (well before or long after it).	Request an original payslip issued directly by the employer.
kaz_creation_date_backdated	default	The bank-statement PDF was created before the period it covers had ended, which is not possible for a genuine statement.	Request an original statement downloaded directly from the bank.
kaz_creation_date_post_print_date	default	The bank-statement PDF was created more than a week after the date printed on it.	Request an original statement from the bank to rule out later editing.
iban_checksum_fail	default	An IBAN on the document failed its checksum validation and is not a valid account number.	Re-check the IBAN and confirm the correct account number with the applicant.
iban_blz_not_in_oenb	default	The bank code (BLZ) in the IBAN is not in the Austrian National Bank register.	Verify the account details; the IBAN may be mistyped or non-Austrian.
address_not_extracted	default	The address could not be read from the bank statement, so the cross-document address check was skipped.	If address confirmation matters for this case, request a clearer copy.
iban_country_not_allowed	default	The account's country is not on this bank's list of permitted countries.	Review against your onboarding policy for the country in question.
pensionsbescheid_detected	default	A pension or welfare notice was identified as an income source.	Informational, no action needed.
pensionsbescheid_amount_missing	default	The pension amount could not be read from the notice.	Request a clearer copy of the pension notice.
pensionsbescheid_issuing_authority_unrecognized	default	The authority that issued the pension notice is not a recognised Austrian pension body.	Verify the issuer before relying on the notice.
pdf_timezone_mismatch	default	The time-zone stamps in the PDF timestamps are inconsistent across documents.	Treat as a supporting signal, review alongside other document-authenticity findings.
bank_iban_payslip_mismatch	default	The account on the payslip does not match the account on the bank statement.	Confirm where the salary is actually paid, a mismatch can indicate income routed elsewhere.
gz_kaz_sender_iban_mismatch	default	The employer's paying account on the payslip does not appear in any salary credit on the bank statement.	Verify that the salary is paid by the named employer.
wrong_person_id	default	The identity document appears to belong to a different applicant in this batch.	Escalate, confirm each document is matched to the correct applicant.
image_source_detected	default	The document was submitted as a photo or image and converted to PDF on intake.	Informational, an original PDF from the issuer is preferable where available.
phone_camera_capture	default	The document is a phone photo, based on its image metadata.	Informational, request an original PDF if document authenticity is in question.
scanner_capture	default	The document was produced by scanner software, based on its metadata.	Informational, no action unless other findings are present.
metadata_absent	default	The image-sourced document has no embedded metadata, which can indicate it was re-saved.	Treat as a supporting signal, request an original if other findings co-occur.
metadata_datetime_mismatch	default	The image's 'taken' and 'digitised' timestamps differ, indicating the timestamps were altered.	Request an original document; altered timestamps are a tampering signal.
metadata_edited	default	The image was processed by photo-editing software (for example Photoshop).	Escalate, request an unedited original document.
gps_coordinates_present	default	The image contains GPS location data.	Informational, can corroborate or contradict the stated location.
whatsapp_transmission_detected	default	The document shows the fingerprint of having been sent through WhatsApp before submission.	Request the original file; documents routed via messaging apps are re-compressed and harder to verify.
pending_biometric_viz_dob	default	The date of birth could not be read from the visible part of the identity document.	Confirm the date of birth manually from the document.
viz_mrz_dob_mismatch	default	The visible date of birth on the ID differs from the date of birth in its machine-readable zone.	Escalate, a mismatch between the two can indicate a tampered document.
acroform_present	default	The PDF contains fillable form fields, which is common in bank-reprinted documents.	Informational, no action needed for normal bank workflows.
ms_word_pdf_creator	default	The PDF was created by Microsoft Word, which is common when a document is reprinted.	Informational, no action needed for normal bank workflows.
print_to_pdf_creator	default	The PDF was produced by a 'print to PDF' tool, which is common in bank workflows.	Informational, no action needed for normal bank workflows.
microsoft_print_to_pdf_creator	default	The PDF was produced by Microsoft Print to PDF, which is common in bank workflows.	Informational, no action needed for normal bank workflows.
pdf_timestamp_impossible	default	The PDF's modification date is earlier than its creation date, which is not possible for an untouched file.	Request an original document; the timestamps indicate tampering.

B1-ext: Fraud-ring, external blacklist (vendor pass-through)

Check	Severity	What it means	What to do
aut_pa_fraud_batch_range	default	The Austrian ID card (Personalausweis) number falls within a confirmed fraud batch reported to the authorities.	Decline or escalate, this card series is on a known-fraud list.

B1-pool: Fraud-ring, continuous-pool similarity

Check	Severity	What it means	What to do
pa_number_extended_batch_proximity	default	The Austrian ID card number is numerically close to a known fraud batch.	Treat as a supporting signal, review alongside any other findings on this applicant.
height_cross_match	default	Several applicants in this batch declared an identical height on their ID documents, a pattern consistent with a reused document template.	Review the linked applicants together for a possible fraud ring.
ring_match_shared_iban_non_household	default	This applicant shares a bank account with another, unrelated applicant.	Escalate, a shared account across unrelated applicants is a fraud-ring signal.
ring_match_pa_proximity_plus_signals	default	This applicant's ID number clusters with another applicant's within a fraud batch, alongside other matching signals.	Escalate the linked applicants as a possible ring.
identical_payslip_cross_applicant	default	An identical payslip appears across multiple applicants.	Escalate, duplicate payslips indicate a shared fabrication source.
shared_employer_cluster	default	This applicant shares an employer with several other unrelated applicants in the batch.	Review the cluster, common for large employers, but corroborate with other signals.
name_flip_cross_applicant	default	This applicant's name appears as a re-ordered or phonetic variant of another applicant's.	Escalate the linked applicants for possible identity manipulation.
submission_timestamp_cluster	default	Several applicants submitted within a very short time window.	Review the cluster, coordinated submissions can indicate an intermediary.
shared_pdf_creator	default	Documents from several applicants were produced by the same non-standard PDF tool.	Escalate, a shared document source points to an intermediary or ring.
ring_payslip_escalation	default	This applicant was escalated because a linked ring member has a serious payslip anomaly.	Review the linked applicants together.
workplace_coupling_cluster	default	Applicants share the same payroll account and have phonetically similar names.	Escalate as a possible coordinated ring.
shared_anonymous_credit_source	default	Several applicants receive credits from the same unidentified source.	Escalate, a shared anonymous payer is a coordinated-ring signal.
repeat_applicant_iban	default	This account has been seen on a previous applicant in your history.	Review the earlier case, a repeat account may indicate recycled details.
repeat_applicant_pa_number	default	This ID number has been seen on a previous applicant.	Review the earlier case for recycled identity details.
repeat_applicant_sv_nr	default	This social-security number has been seen on a previous applicant.	Review the earlier case for recycled identity details.
repeat_applicant_name	default	This applicant's name matches a previous applicant in your history.	Review the earlier case to confirm whether this is the same person.
repeat_applicant_address	default	This address has been seen on a previous applicant.	Review the earlier case, a shared address may be a household or a ring.
same_applicant_resubmission	default	This applicant appears to have submitted before, in this batch or your history.	Review whether this is a duplicate or a repeat application.
repeat_applicant_employer	default	This employer has been seen on a previous applicant.	Review for a possible shared-employer ring.

B1-rng: Fraud-ring, within-batch aggregation

Check	Severity	What it means	What to do
ring_deterministic	default	Two or more independent fraud-ring signals link this applicant to others in the batch.	Escalate the linked group for ring review.
cross_batch_ring	default	Repeat-applicant signals combine to link this applicant to a ring spanning your application history.	Escalate the linked group for ring review.

B1-bio: Fraud-ring, biometric repeat-fraud

Check	Severity	What it means	What to do
ring_match_biometric	default	This applicant's face or signature matches another applicant in the batch.	Escalate the linked applicants together as a possible fraud ring.
repeat_applicant_face_biometric	default	This applicant's face matches a previous applicant in your history.	Escalate, a repeat face under a new identity indicates repeat fraud.

B2: Advanced internal logic

Check	Severity	What it means	What to do
bv_cumulative_doubling	default	The year-to-date contribution total on the payslip doubles and then reverts, a known fabrication pattern.	Decline or escalate; request original payslips directly from the employer.
bv_cumulative_reversal	default	The year-to-date contribution total decreases from one payslip to the next, which should not happen within a year.	Request corrected payslips; escalate if the figures are not explained.
gz_arithmetic_mismatch	default	The payslip's net pay does not match its gross pay minus the declared deductions.	Request an updated payslip or the missing deduction line before approving.
	CRITICAL	The payslip does not add up: net pay is inconsistent with gross pay minus deductions.	Decline or escalate, request an original payslip from the employer.
	MEDIUM	There is a small arithmetic gap on the payslip, most likely a missing voluntary deduction.	Confirm with the applicant if the case would otherwise reject; safe to accept on review.
gz_arithmetic_not_verified	default	The payslip arithmetic could not be confirmed because some deduction figures were not readable.	Request a clearer copy if you need the arithmetic confirmed; otherwise review manually.
payslip_period_gap	default	The submitted payslips do not form a continuous recent sequence, one or more periods are missing.	Request the missing payslips to complete the sequence.
financial_anomaly	default	The declared income is far outside the normal range for the stated occupation.	Escalate for review, verify the employment and salary independently.
balance_arithmetic_mismatch	default	The bank statement does not balance: the opening balance plus the transactions does not equal the closing balance.	Decline or escalate, request an original statement from the bank.
credit_before_payslip_date	default	A salary credit appears on the bank statement before the payslip's payment date.	Review for a legitimate advance (Vorschuss); escalate if it is unexplained.
transactions_after_period_end	default	The statement contains transactions dated after its stated period end, the period heading was likely altered.	Request an original statement from the bank.
pensionsbescheid_confirmed_by_kaz	default	The pension amount on the notice matches a recurring deposit on the bank statement.	No action, the pension income is corroborated.
pensionsbescheid_no_kaz_confirmation	default	The pension notice could not be matched to a deposit on the bank statement.	Request a statement showing the pension payment, or confirm the income another way.
name_inconsistent_cross_doc	default	The names on the submitted documents do not all resolve to the same person.	Confirm the documents belong to one applicant; escalate a genuine mismatch.
address_mismatch_cross_doc	default	The addresses on the documents do not match.	Escalate, confirm the applicant's current address from an authoritative source.
dob_mismatch_cross_doc	default	The dates of birth differ across the documents.	Escalate, a date-of-birth mismatch may indicate document substitution.
employer_salary_missing	default	The expected employer salary could not be found on the bank statement by name or amount.	Verify the employment and that the salary is paid into this account.
employer_salary_unverified	default	The employer name was not found on the bank statement, although a credit close to the expected net salary is present.	Confirm the credit is the salary from the named employer.
optical_vs_metadata_date_mismatch	default	The date printed on the document differs from the date stored inside the PDF file.	Review the gap, a large difference suggests the document was re-rendered or back-dated.
	HIGH	The date printed on the document and the date stored inside the PDF differ substantially.	Request an original document; a large gap indicates back-dating or re-rendering.
	INFO	The printed date and the PDF's internal date differ by a small margin.	Low concern, no action needed unless other findings are present.
salary_credit_confirmed	default	A salary credit matching the payslip was found on the bank statement.	No action, the income is corroborated.
salary_credit_not_found	default	The expected salary credit was not found on the bank statement within the matching window.	Request a statement covering the pay date, or confirm where the salary is paid.
gz_kaz_employer_cross_check	default	The payer of the matched salary credit is not the employer named on the payslip.	Confirm the employment relationship and who actually pays the applicant.
geographic_incoherence	default	The countries implied by the account, ID, address, employer and phone number are not consistent with each other.	Review the applicant's stated circumstances for an explanation.
social_media_crosscheck	default	The applicant's social-media presence was assessed for consistency with their declared identity and employer.	Review the assessment alongside the other identity checks.
employer_internet_search	default	The declared employer was checked against public web sources to confirm it is a real business.	Review the result where the employer could not be confirmed.
employer_reputation_search	default	Public sources were screened for adverse information about the declared employer.	Review any adverse findings before relying on the employment.
id_template_nonconformance	default	The identity document's layout does not match the official template for its country.	Escalate to identity review, the document may be counterfeit.

B3: Third-party externals (vendor pass-through)

Check	Severity	What it means	What to do
ksv1870_person_not_found	default	The applicant was not found in the external person-verification registry.	Verify the applicant's identity by other means.
ksv1870_person_insolvent	default	The external registry reports the applicant as insolvent.	Factor the insolvency into the credit decision; escalate per policy.
ksv1870_employer_not_found	default	The declared employer was not found in the business registry.	Verify the employer exists before relying on the employment.
ksv1870_employer_inactive	default	The business registry reports the declared employer as inactive.	Verify the applicant's current employment status.
ksv1870_api_unreachable	default	The external person/employer registry could not be reached, so that check did not run.	Retry later if the registry check is required for this case.
biller_registry_hit	default	A counterparty on the document matched an entry in the biller registry.	Informational, confirms a known biller; no action unless flagged elsewhere.
umbrella_address_api_unreachable	default	The address-verification service could not be reached, so that check did not run.	Retry later if address verification is required.
umbrella_address_invalid	default	The address-verification service reports the supplied address as invalid.	Confirm the correct address with the applicant.
umbrella_address_no_match	default	The address-verification service could not match the supplied address.	Confirm the address with the applicant or an authoritative source.

B4: Credit-domain signals

Check	Severity	What it means	What to do
failed_debit_detected	default	The statement shows a returned or failed direct debit.	Informational, consider as part of the affordability picture.
chronic_overdraft	default	The account was overdrawn for sustained periods.	Informational financial-stress signal, weigh it in the affordability assessment.
sollzinsen_detected	default	Overdraft interest (Sollzinsen) was charged on the account.	Informational, indicates overdraft use during the period.
failed_debit_pattern	default	The statement shows repeated failed direct debits, indicating insufficient funds.	Escalate, this pattern points to a serious liquidity problem.
kaz_income_absent_high_expenses	default	The statement shows large recurring outgoings but no salary-level credit, the claimed wage was never deposited.	Escalate, the declared income is not supported by the account.

B5: AML / regulatory

Check	Severity	What it means	What to do
aml_foreign_remittance	default	The account shows payments to high-risk jurisdictions or via remittance services.	Escalate to Compliance for an anti-money-laundering review.
anonymous_credit_cluster	default	The account received significant credits with no identifiable payer.	Escalate to Compliance, unexplained incoming funds require review.
aml_pass_through_account	default	The account shows high in-and-out flow with very little money retained, a money-mule / pass-through pattern.	Escalate to Compliance for an anti-money-laundering review.
structured_dispersal_cross_applicant	default	Several applicants receive amounts kept just under reporting thresholds from the same source.	Escalate to Compliance, this pattern indicates structuring.

B6: Compliance vendor bundle (sanctions / PEP / adverse media) (vendor pass-through)

Check	Severity	What it means	What to do
umbrella_aml_api_unreachable	default	The sanctions/AML screening service could not be reached, so that check did not run.	Retry before completing onboarding, AML screening is required.
umbrella_aml_sanction_hit	default	The applicant matched a sanctions list.	Escalate to Compliance immediately, do not proceed until the case is cleared.
umbrella_aml_criminal_hit	default	The applicant matched a criminal-records screening.	Escalate to Compliance for review.
umbrella_aml_pep_hit	default	The applicant matched a politically-exposed-person (PEP) list.	Apply enhanced due diligence per your PEP policy.

B7: Credit bureau (vendor pass-through)

Check	Severity	What it means	What to do
umbrella_credit_api_unreachable	default	The credit-screening service could not be reached, so that check did not run.	Retry later if a credit check is required.
umbrella_credit_poor	default	The credit-screening service reports poor credit.	Factor the result into the credit decision per policy.

B8: Premium OSINT (vendor pass-through)

Check	Severity	What it means	What to do
umbrella_osint_api_unreachable	default	The open-source-intelligence service could not be reached, so that check did not run.	Retry later if OSINT screening is required.
umbrella_osint_adverse_media	default	Open-source screening found adverse media about the applicant.	Review the adverse findings before proceeding.

B9: ID Verification

Check	Severity	What it means	What to do
ring_match_same_person_two_ids	default	The same face appears on two different identity documents with different declared identities.	Escalate, this indicates identity stitching.
wrong_person_biometric	default	The face on the identity document does not match the face on the applicant's other document.	Decline or escalate, this indicates identity substitution.
signature_overlay_detected	default	The signature appears to have been pasted onto the document rather than signed on it.	Decline or escalate, a pasted signature is a forgery signal.

Checks of typed case types

Emitted only by typed case types such as grant_settlement, never in an account_application result. See Case types.

Check	Severity	What it means	What to do
unassigned_document	default	A submitted document is not assigned to any role in the case, so it was not checked.	Add the document to the manifest under the right role, or remove it if it does not belong to the case.
manifest_document_missing	default	The manifest lists a document that was not submitted.	Submit the missing document, or correct the manifest if the document is not part of the case.

Composite (aggregate) signals

Signal	Fires when	Severity	Package	What it means	What to do
document_backdated_shared_toolchain	optical_vs_metadata_date_mismatch + shared_pdf_creator (same case)	MEDIUM	B2, B1-pool	The document's visible date disagrees with its file metadata, and it was produced by the same PDF toolchain seen across other applications, together these point to a backdated or mass-produced document.	Request the original issuer-signed PDF; if it cannot be provided, route the case to second-line review.
payslip_tampering_composite	gz_arithmetic_mismatch + optical_vs_metadata_date_mismatch (same case)	MEDIUM	B2	The payslip's figures do not reconcile and its visible date contradicts its file metadata, two independent tampering indicators on the same payslip.	Treat the payslip as unverified and request a fresh copy directly from the employer.

Override-rule explanations

Rule	What it means	What to do
I1	The verdict was set to decline because an identity document failed its checksum validation.	Review the failing identity finding; request a valid document.
P3	The verdict was set to decline because the payslip shows a year-to-date doubling fabrication pattern.	Request original payslips from the employer.
B2	The verdict was set to decline because a document was created at an impossible date relative to its content.	Request an original document issued by the source.
B3	The verdict was set to decline because the bank statement contains transactions dated after its stated period.	Request an original statement from the bank.
B5	The verdict was set to decline because the bank statement does not balance.	Request an original statement from the bank.
B11	The verdict was set to decline because the account shows high expenses but no salary deposit.	Confirm where the declared income is actually paid.
I9_AT	The verdict was set to decline because the ID number is on a confirmed government fraud list.	Decline and preserve the case in the audit log.
X_RING	The verdict was set to decline because this applicant is part of a detected fraud ring.	Escalate the linked applicants together.
W_BIO_REJECT	The verdict was set to decline because the face on the ID does not match the applicant's other document.	Confirm identity in person or with a fresh document.
S_OVERLAY_REJECT	The verdict was set to decline because a signature appears to have been pasted onto a document.	Request an original signed document.
I13	The verdict was set to decline because an identity document belongs to a different person.	Confirm each document is matched to the correct applicant.
X_REPEAT_IBAN	The verdict was set to decline because this account was used by a previous applicant.	Review the earlier case before proceeding.
X_REPEAT_BIOMETRIC	The verdict was set to decline because this face matches a previous applicant under a different identity.	Escalate as repeat fraud.
X_REPEAT_PA	The verdict was set to decline because this ID number was used by a previous applicant.	Review the earlier case before proceeding.
X_REPEAT_SV	The verdict was set to decline because this social-security number was used by a previous applicant.	Review the earlier case before proceeding.
X_CROSS_BATCH_RING	The verdict was set to decline because this applicant links to a ring spanning your application history.	Escalate the linked group.
P5	The verdict was set to decline because declared income is far outside the normal range for the occupation.	Verify employment and salary independently.
P4_NV	The verdict was set to 'pass with conditions' because the payslip arithmetic could not be fully confirmed.	Confirm the figures manually if the case is otherwise borderline.
PB1_CONDITIONAL	The verdict was set to 'pass with conditions' because the pension income could not be fully confirmed.	Request supporting evidence of the pension payment.
I_CROSS_SCRIPT_CONDITIONAL	The verdict was set to 'pass with conditions' because a name in a non-Latin script could not be verified automatically.	Verify the name manually against the document.
P6	The verdict was set to decline because the payslip does not add up.	Request an original payslip from the employer.
AML1	The verdict was set to decline because of a high-risk foreign-remittance pattern.	Escalate to Compliance for an AML review.
AML2	The verdict was set to decline because of significant unexplained incoming credits.	Escalate to Compliance for an AML review.
LIQ1	The verdict was set to decline because of repeated failed debits indicating severe liquidity problems.	Escalate per your affordability policy.
B10	The verdict was escalated because a salary credit appears before its payslip date.	Review for a legitimate advance before deciding.
Q1	The verdict is pending because a document was submitted as an image with no text layer.	Request a text-based PDF from the issuer and re-submit.
Q3	The verdict is pending because one or more documents could not be processed.	Re-submit the failing documents.
M_EXTRACTION_FAILED_CAP	A document-reading error was treated as informational so it does not by itself change the verdict.	Re-submit the affected document if the rest of the case depends on it.
C3	A cross-document address mismatch was treated as a critical finding.	Confirm the applicant's address from an authoritative source.
M8_ACROFORM	Fillable form fields in the PDF were treated as informational only.	No action, common in bank-reprinted documents.
M9_WORD	A document produced by Word or a print-to-PDF tool was treated as informational only.	No action, common in bank workflows.
M9_WORD_CONDITIONAL	A document produced by Word or a print-to-PDF tool was treated as a minor condition rather than a fraud signal.	No action unless other findings are present.
X10_CRYPTO	An isolated crypto-related transaction was treated as informational only.	No action unless it is part of a wider pattern.
F13	The verdict was raised to escalate as a safety net because at least one serious finding was present.	Review the findings list and route to second-line review.
F14	The verdict was set to decline as a safety net because several income-evidence findings occurred together.	Review the combined findings; request original documents.

Verdict bands

Verdict	What it means	What to do
REJECT	Fraud or forgery was confirmed by one or more deterministic checks.	Decline the application and preserve the evidence in your audit log.
ESCALATE	There is enough concern to require human review before a decision.	Route the case to your second-line review team.
PENDING	Analysis could not be completed, a document was unreadable or incomplete.	Re-submit a clearer copy of the failing document, then re-run.
CONDITIONAL	The case passes with caveats, minor anomalies are present.	Accept, and review the findings if your policy requires.
PASS	All checks passed.	Accept without further forensic review.