Decision Automation

Overview

timveroOS provides a comprehensive decision automation framework that enables institutions to configure automated underwriting logic while maintaining appropriate manual oversight for complex cases. The system uses a three-zone decision model to balance automation efficiency with risk management requirements.

Decision Framework

Three-Zone Model

The system categorizes all decisions into three operational zones:

Green Zone - Automatic Approval

• Clear qualification based on configured criteria

• No manual intervention required

• Immediate decision delivery

Yellow Zone - Manual Review Required

• Cases requiring expert evaluation

• Specific departmental routing

• Structured review process

Red Zone - Automatic Decline

• Clear disqualification criteria met

• Compliance-based rejections

• Systematic adverse action handling

Configuring Decision Logic

Alert Facts Configuration (Red Zone)

Alert facts trigger automatic application declines when specific criteria are met. Configure these using the visual workflow designer:

Alert fact configuration interface with decline reason selection

Configuration Elements:

• Alert Name: Descriptive identifier for the decline trigger

• Decline Reason: Select from configured catalog of decline reasons

• Department Assignment: Route to appropriate team if needed

• Workflow Action: Typically set to "Interrupt Workflow"

Common Alert Configurations:

• Minimum age requirements

• Credit score thresholds

• Bankruptcy history restrictions

• Identity verification failures

• Regulatory compliance violations

Warning Facts Configuration (Yellow Zone)

Warning facts route applications to manual review when automated decisions cannot be made with confidence:

Warning fact configuration with department routing and form scheme selection

Configuration Components:

• Warning Type: Categorize the type of review needed

• Department: Assign to specialized review team

• Form Scheme: Link data collection form for manual review

• Priority: Set review urgency level

Department Assignment Options:

Visual Workflow Designer

Building Decision Workflows

The workflow designer provides a visual interface for creating decision logic without programming:

Visual workflow designer interface

Available Components

Drag-and-drop components for building decision logic

Task Components:

1. Expression - Configure calculations and logical operations

2. Load Datasource - Retrieve data from integrated sources

3. Save to Profile - Store calculated values for use in pricing and documents

4. Save Alert Fact - Configure automatic decline triggers

5. Save Warning Fact - Set up manual review requirements

6. Save Info Fact - Record information for audit purposes

Logic Components:

1. Switch - Create conditional branches in workflow

2. Interrupt Workflow - Stop processing at specific points

Data Integration

Configure connections to external data sources within workflows:

Data source selection interface for workflow integration

Example: Credit Bureau Integration

Configuring external credit data retrieval

Profile Building

Workflows automatically construct participant profiles from collected data:

Automated profile generation from workflow outputs

Profile Attributes Include:

• Credit scores and history

• Income calculations

• Risk indicators

• Custom business metrics

These profiles feed into:

• Pricing calculations

• Document generation

• Product eligibility

• Terms determination

Manual Review Process

Launchpad Integration

Manual reviews are managed through the Launchpad interface:

Queue Management

Unassigned Warnings:

Department-filtered view of unassigned warnings

Assigned Warnings:

Review Actions

Approval Process:

Decline Process:

Status Tracking:

Declined Applications:

Process Configuration

Workflow Mapping

Configure which workflows apply to specific processes and participants:

Map workflows to business processes

Assign workflows to participant types and stages

Form Integration

When automated systems cannot determine required values, configure forms for manual data capture:

Form builder interface for creating review forms

Link forms to warning facts:

Assign form schemes to specific warning types

Configuration Best Practices

Workflow Design

• Start with simple approval criteria and expand gradually

• Test workflows thoroughly before production deployment

• Document decision logic for compliance and training

• Use clear naming conventions for all components

Department Setup

Creating Departments:

• Navigate to Admin Panel → Catalogs → Decision Departments

• Create flat department structure (no hierarchy support)

• Define clear responsibilities for each department

• Assign users to departments through user profiles

Important Note: Departments in timveroOS are flat organizational units without hierarchy. Organizational hierarchy is managed through role permissions, not department structure.

Department-Based Routing:

• Warning facts route to specific departments

• Workers see only warnings assigned to their department

• Supervisors manage workload within their department

SLA Configuration

Admin Panel - SLA Display and Alerts:

• Monitor SLA compliance in Launchpad

• View time remaining for manual reviews

• Receive alerts when SLAs approach expiration

• Dashboard showing SLA performance metrics

SDK - SLA Enforcement Logic: SLA calculation rules, escalation triggers, and business hours are configured in the SDK:

• SLA duration definitions (e.g., 24 business hours)

• Working hours calendar integration

• Escalation rules and thresholds

• Automatic escalation workflows

Navigation: For SLA monitoring: Admin Panel → Launchpad → View SLA timers on warnings For SLA configuration: Requires SDK development - consult implementation team

Queue Management

• Monitor queue depths and adjust staffing accordingly

Data Management

• Validate all external data connections

• Handle missing data scenarios gracefully

• Store key decision factors in profiles

• Maintain audit trails for all decisions

Compliance Considerations

• Configure decline reasons to meet regulatory requirements

• Ensure adverse action notices include required information

• Document all decision criteria for fair lending compliance

• Regular review of decision outcomes for disparate impact

Testing and Validation

Workflow Testing

1. Use test participants to validate logic

2. Verify all data source connections

3. Test both approval and decline paths

4. Confirm profile attributes are correctly saved

Manual Review Testing

1. Verify correct department routing

2. Test assignment and reassignment flows

3. Validate form data capture

4. Confirm audit trail completeness

Integration Testing

1. End-to-end application processing

2. Notification delivery verification

3. Document generation confirmation

4. Pricing calculation validation

Monitoring and Optimization

Key Metrics to Track

• Auto-decision rates by product

• Manual review completion times

• Decline rates and reasons

• Override frequency and justification

Optimization Opportunities

• Adjust thresholds based on portfolio performance

• Streamline manual review forms

• Automate additional decision scenarios

• Enhance data source integration

Next Steps

After configuring decision automation, proceed to:

• Manual Review Process - Detailed configuration of human review workflows

• Workflow Fundamentals - Deep dive into workflow architecture

• Launchpad Configuration - Set up operational management interface