Scoring Algorithm - Verifow

Score-to-Outcome Mapping

Every engine produces a risk score from 0 to 100:

Score Range	Outcome	Risk Level	Action
0 – 29	`APPROVE`	`LOW`	Transaction proceeds normally
30 – 59	`REVIEW`	`MEDIUM`	Flagged for manual compliance review
60 – 79	`ESCALATE`	`HIGH`	Escalated to senior compliance officer
80 – 100	`BLOCK`	`CRITICAL`	Transaction blocked, case auto-created, SAR generated

Outcome Hierarchy

APPROVE (0) < REVIEW (1) < ESCALATE (2) < BLOCK (3)

The highest-severity outcome from ANY engine becomes the final decision. If the decision engine says APPROVE but sanctions screening says BLOCK → Final = BLOCK.

Risk Level Consistency

The system enforces that risk level can never understate the outcome:

Outcome	Minimum Risk Level
BLOCK	CRITICAL
ESCALATE	HIGH
REVIEW	MEDIUM
APPROVE	LOW