The Initial Decision report provides high-visibility insights into the automated risk decisioning outcomes generated by Policy Management. It delivers a comprehensive summary of order volume and monetary totals categorized by initial policy outcomes, including approvals, declines, reviews, and errors. By capturing risk decisions prior to or alongside payment processing, this dashboard gives you visibility into policy performance, manual review queue volumes, and overall risk strategy effectiveness.
To access the report, sign in to Kount 360 and go to Analytics > Folders > Payments Fraud Reports > Initial Decision. You can view data corresponding to your assigned organizational hierarchy and role-based access permissions. Fraud analysts in child organizations are restricted to viewing data for their specific entity, while parent organization users can view aggregated portfolio metrics or select individual child organizations.
Fraud analysts and payments teams can leverage this dashboard to monitor and respond to several critical scenarios:
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Policy rule optimization: Evaluate how policy conditions in Policy Management are distributing orders across approve, decline, and review outcomes to refine risk strategies.
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Manual review workload management: Track real-time and historical Review Counts to properly staff review teams and optimize queue throughput.
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Segment and channel risk monitoring: Identify specific customer segments or sales channels that generate disproportionate review rates or processing errors.
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Omniscore threshold validation: Compare initial policy decisions against Omniscores to ensure policy logic aligns with underlying risk scoring models.
You can refine the data using the following global filters:
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Timezone: Adjusts the timezone of the report data (for example, UTC).
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Event Timestamp: Defines the reporting window; the default setting is two weeks including the current week.
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Initial Decision: Filters the dataset by the initial policy outcome, specifically: Approve, Decline, Review, and Error.
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Auth Result: Refines data based on the downstream bank authorization outcome, specifically: Approved, Declined, and null.
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Segment Name: Filters report results by Segment Names that have been used by the client within the filtered Event Timestamp.
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Amount: Allows users to select a minimum and/or maximum.
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