Manual Review

Overview

Manual review is the process where compliance analysts or fraud investigators examine alerts, transactions, or identity documents that automated systems cannot resolve. While automation handles most routine cases, manual review provides human judgment for ambiguous or high-risk situations.

It is widely used in AML case management, fraud investigations, and exception handling to ensure accurate decisions. Regulators expect institutions to have clear escalation workflows and audit trails for manual reviews. Though it can slow down operations, manual review remains critical for preventing false negatives and ensuring compliance with KYC/AML requirements. Banks, fintechs, and insurers balance automation with manual review to maintain both efficiency and regulatory trust.

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