Decision Automation

Overview

timveroOS automates credit decisions through the Workflow Engine. Workflows retrieve data from external and internal sources, apply decision logic, and produce outcomes that route applications to approval, decline, or manual review.

Why This Matters

Credit decisions require balancing consistency with judgment:

• Consistency: Standard criteria should apply uniformly across applications

• Judgment: Complex or exceptional cases benefit from human expertise

timveroOS addresses this through Fact types. Workflows evaluate data and produce:

• Alert Facts for clear declines (consistency)

• Warning Facts for cases needing review (judgment)

• Info Facts for documentation

This lets institutions automate routine decisions while preserving human oversight where it adds value.

Workflow Engine

Workflows are visual decision flows configured in Admin Panel. They execute at specific Business Process stages defined by SDK.

Concept	Description
Workflow	Sequence of nodes that evaluate data and produce decisions
Trigger	Business Process stage that initiates workflow execution
Outcome	Facts that determine what happens next (approve, decline, review)

Data Sources

Workflows retrieve information from external and internal sources:

Type	Examples
External	Credit bureaus, open banking, identity verification, fraud detection
Internal	Application data, collateral data, historical performance

Data Sources are integrated at SDK level. Workflows access them through configured connections.

Mappings and Features

Concept	Description
Mapping	Script that extracts specific values from Data Source responses
Feature	Named value stored in participant/asset profile for use in decisions

Example: Credit bureau response → Mapping extracts "creditScore" → Feature saved to profile → Workflow uses feature in decision logic.

Fact Types (Decision Outcomes)

Workflows produce Facts that determine routing:

Fact Type	Result	Action
Alert Fact	Red Zone	Automatic decline, processing stops
Warning Fact	Yellow Zone	Routes to manual review (Launchpad)
Info Fact	Green Zone	Informational record, processing continues

Manual Review

When workflows generate Warning Facts, cases route to human specialists:

Concept	Description
Department	Team responsible for specific review types
Launchpad	Queue interface where reviewers see assigned cases
Form	Data collection interface for reviewer decisions

Reviewers evaluate the case, complete required forms, and resolve the warning. Workflow then continues.

Where to Configure

Aspect	Layer	Documentation
Workflow engine integration	SDK	Workflow Integration
Data Source connections	SDK	DataSource Integration
Workflow design	Admin Panel Setup	Workflow Fundamentals
Warning/Alert configuration	Admin Panel Setup	Warning Alert Configuration
Mappings (Feature Store)	Admin Panel Setup	Feature Store
Manual review forms	Admin Panel Setup	Form Builder
Processing manual decisions	Admin Panel OPS	Manual Decisions

Related Topics

• Lending Process — Where decision automation fits in origination

• System Entities — Business Process vs Workflow distinction

• Operations — Launchpad for manual review queues

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timveroOS: Automated decisions with human oversight