> ## Documentation Index
> Fetch the complete documentation index at: https://docs.verifow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Scoring Algorithm

### 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                |

***