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Task tsk_846b95e98d08e310payments · api/payments/fraud/score

Regulator-ready audit trail
Fraud / ATO
Divergent · TBV override
Applicable regulation
Reg E (12 CFR § 1005) · ECOA Reg B (adverse action)
Primary AI decision

Primary LLM: 'card-present $890, nominal — approve.' ⚠ TBV flagged.

primary_claim: nominal
TBV verifier re-reasoning
verdict: blockconfidence: 0.86

DIVERGENT from primary LLM. Verifier re-reasoned from 6-month behavioral baseline: keystroke cadence diverges 3.8σ and session duration 2.9σ. Consistent with card-present ATO where criminal has physical card but not typing pattern. Primary LLM only checked transactional signals.

Source data provenance
amount: 890
channel: card_present
keystroke_cadence_divergence: 3.8
session_duration_sigma: 2.9
Final verdict
block
Resolver tier
TBV verifier (agent)
Status
completed

Prompt

Primary LLM: 'card-present $890, nominal — approve.' ⚠ TBV flagged.

Context

{
  "amount": 890,
  "channel": "card_present",
  "keystroke_cadence_divergence": 3.8,
  "session_duration_sigma": 2.9,
  "primary_claim": "nominal",
  "verifier_override": true
}

Attempts

  • agentverdict: blockconfidence: 0.86

    DIVERGENT from primary LLM. Verifier re-reasoned from 6-month behavioral baseline: keystroke cadence diverges 3.8σ and session duration 2.9σ. Consistent with card-present ATO where criminal has physical card but not typing pattern. Primary LLM only checked transactional signals.

Final verdict: block (via agent)

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