tsk_eb02088dbbce4fd2

Task tsk_eb02088dbbce4fd2payments · api/payments/fraud/score

Regulator-ready audit trail

Fraud / ATO

block

Applicable regulation

Reg E (12 CFR § 1005) · ECOA Reg B (adverse action)

Primary AI decision

Primary LLM: 'suspected ATO, locked account, triggered recovery flow.'

primary_claim: suspected_ato

TBV verifier re-reasoning

verdict: blockconfidence: 0.92

ATO confirmed by user via out-of-band recovery. Password rotated. Account restored. Adverse-action not applicable (not a credit decline).

Source data provenance

account_state: locked

recovery_flow: initiated

Final verdict

block

Resolver tier

Human reviewer

Status

completed

Human review note

Customer confirmed via recovery flow — account compromised. Blocked txn. Passwords rotated. No financial loss.

Primary LLM: 'suspected ATO, locked account, triggered recovery flow.'

{
  "account_state": "locked",
  "recovery_flow": "initiated",
  "primary_claim": "suspected_ato"
}

agentverdict: blockconfidence: 0.92
ATO confirmed by user via out-of-band recovery. Password rotated. Account restored. Adverse-action not applicable (not a credit decline).
humanverdict: blockconfidence: 1.00
Customer confirmed via recovery flow — account compromised. Blocked txn. Passwords rotated. No financial loss.

Final verdict: block (via human)

Confirm the verdict, override it, or just leave a note. Leave verdict blank to confirm as-is.