Manual Reviews & Evaluations in Alloy

If an application does not meet the criteria in the Alloy workflow to be approved, nor does it meet the threshold to be rejected, the application is sent to "Manual Review." This article is designed to provide additional context and instruction as your institution evaluates applications sent to "Manual Review" in the Alloy platform. 

The manual review process varies based on which Alloy product your institution leverages. Most institutions now use Alloy Journeys; however, some may still use Alloy’s legacy product, Groups. If you are unsure which product your institution uses, please contact your Narmi Relationship Manager.

Manual Review with Alloy Journeys

Each application created in Alloy will appear in the Application Queue within the Alloy dashboard. The Journey Application is a single interface where all entities included in an application are organized, and all respective evaluations are displayed.

Evaluations within a Journey Application that return a Manual Review outcome are reviewed and decisioned by FI staff in the Application Queue. Please refer to the steps below:

1. Within the Application Queue, select a Journey Application in Application Review status.

   

2. Within the Journey Application, select an evaluation along the left panel showing a Manual Review outcome.

   

3. Click the Assign button in the upper right corner to assign the Journey Application, then select a staff member from the drop-down list.

   

4. As the assigned staff member, click the Review button under the selected evaluation.

   

5. In the Review modal, select an Outcome of Review, a Reason, add any Notes, then click Submit.

   

6. In the confirmation modal, select Submit, or select Edit to make changes.

   

7. Note the following in the screenshot below:

   1. Once the Initial Fraud Check evaluation was reviewed, the rest of the evaluations in the “persons” branch of the Journey were executed.

   2. The overall application Status is Approved because all evaluations for both entities within the Journey Application were approved.

      

What to Review

• Take note of which PII fields were matched and unmatched

• Review fraud scores and ranges

• Review reason codes for additional context (but not deciding factor)

• Moderate risk will still allow the evaluation to continue to KYC

• If you see “services have not been run/verified,” it’s likely that they were deemed fraudulent and did not pass through KYC

Flow

Review the information in the following order:

• Evaluation outcome > Matched Data > Tags > Fraud Scores > Reason Codes

Tags

Tags can be directly correlated to the workflow, which is also connected to the fraud score

To dig deeper into the flagged tags:

• Open the workflow in a new tab

• Select the tag that is displayed

• The triggers for that tag will show why that tag was resulted in

Manual Review with Alloy Groups

This section only applies if your institution leverages Alloy Groups as opposed to Alloy Journeys. Reach out to your Narmi Relationship manager if you have any questions.

• An Entity is defined as an individual, a business, or a group. The entity/entities page will be updated as the person moves through stages, for instance, from Manual Review to Approved/Denied.

• An Evaluation is the summary and results of an Entity’s application. The evaluation is just the end result of each workflow and does not change as the person keeps moving through the process. 

• An Entity may have multiple Evaluations, and each evaluation only looks at a single point in time. If, at the end of a workflow, the Entity (person) is in Manual Review, that Evaluation will be in Manual Review. 

• In the case of Manual Review, it would be the entity getting reviewed. The evaluation will stay in Manual Review whether the entity is approved or denied.

• Evaluations are run per application or “per group” (vs. per applicant). This way, your financial institution can decision on an application level (vs. applicant level).

• A group is a way for Alloy to identify a unique application. A group can have multiple people (e.g., joint application).

• A person is a way for Alloy to identify a unique applicant. A person can have multiple onboarding decisions made on themselves.

Note: Since Narmi's current implementation of Groups doesn't align with the intended implementation, your institution must select Review Group as the last step when reviewing. This is due to how Narmi is integrated with Alloy.

For Joint Applications, your institution should review and decision both the individual(s) AND the group itself. If the individual(s) is not reviewed, the application could become stuck in “Review.” 

An easy way to tell when a Group is in this state is when you view the Group detail page; the outcome still shows as "None" (although you see the outcome of Approved for the Group from the Review Queue list page).

What to Review

• Take note of which PII fields were matched and unmatched

• Review fraud scores and ranges

• Review reason codes for additional context (but not deciding factor)

• Moderate risk will still allow the evaluation to continue to KYC

• If you see “services have not been run/verified,” it’s likely that they were deemed fraudulent and did not pass through KYC

Flow

Review the information in the following order:

• Evaluation outcome > Matched Data > Tags > Fraud Scores > Reason Codes

Tags

Tags can be directly correlated to the workflow, which is also connected to the fraud score

To dig deeper into the flagged tags:

• Open the workflow in a new tab

• Select the tag that is displayed

• The triggers for that tag will show why that tag was resulted in

Steps to Manual Review

1. Select Review Queue on the sidebar, then select the group application.

   

2. Review the group.

   

Note: For Joint Applications, your institution should review and decision both the individual(s) AND the group itself. If the individual(s) is not reviewed, the application could become stuck in "Review."

For more information, go to "How do FI staff action applications in Alloy?" in Alloy FAQs.