AI KYB Merchant ScreeningAudit & Explainability
Prototype engines onlineResidency: Indonesia profile+ New Screening
KSI
Decision reconstruction

Audit & Explainability

Every screening decision should be reconstructable from case inputs, source evidence, connector policy, model versions, module outputs, rules, human actions and final rationale.

18Case, source, model, rule, reviewer
HashSnapshot reference + timestamp
100%Required on module output
100%Required for risk-driving signals

Decision explanation

Final classMedium Risk
Score58 / 100
Primary reasonLOB mismatch (R-WEB-001)
Secondary reasonRepeated refund complaint theme
AmbiguityOne adverse-media candidate requires analyst resolution
Human decisionEDD required; no decline

What must be logged

  • Case ID and purpose.
  • Input field version / source.
  • Connector, source URI/reference and retrieval time.
  • Connector policy/version and source authorization state.
  • Model name/version, prompt/config if relevant.
  • Module output, confidence and reason code.
  • Decision rule/version and aggregated score.
  • Reviewer identity, action and rationale.
  • Correction/override history.

Illustrative audit trail

13:42:01 · case.created

actor=onboarding-api · purpose=merchant_kyb

13:42:09 · document.ingested

raw_store=private · malware_scan=pass · payload_not_logged

13:43:14 · module.document.completed

model=document-ai-v0.9 · mean_confidence=.98 · reason=[]

13:43:22 · connector.website.policy_pass

source_policy=WEB-ALLOWLIST-v3 · robots_checked=true

13:45:48 · module.adverse.review_required

entity_score=.71 · evidence=EV-MEDIA-883

13:47:02 · decision.medium

risk_engine=RE-v1.3 · score=58 · hard_rules=0 · review_rules=3

Evidence-grade case bundle

Evidence source, timestamps, hashes, model/rule versions and controlled export are consolidated in the Evidence Center.

Open Evidence Center →