What is Manual Review?
Manual review is where an analyst investigates a triggered case and makes the decision - approve, step up, decline, or escalate. It’s a circuit breaker for gray zones where your rules and models can’t confidently adjudicate. Manual review isn’t guesswork; it’s structured reasoning against evidence and SLAs.
Analysts need clear reason codes, side‑by‑side artifacts (document images, selfie scores, device graph, payment history), and playbooks that define the outcomes by risk tier. Don’t expose the entire data lake; instead provide context and a checklist. Measure quality with peer review and outcome tracking, not just speed.
