Policy & Advisory Recommendation Report

1. Policy objective

The policy layer interprets trust, risk and confidence through explicit rules to produce an advisory recommendation.

2. Recommendation portfolio

3. Risk-to-recommendation cross-tabulation

Risk	Recommendation	Count
CRITICAL	REJECT	3
HIGH	STEP_UP_AUTHENTICATION	1
LOW	APPROVE	11

4. Policy source evidence

[
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-001",
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.182426,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "BANKA-HIGH_VELOCITY-003",
    "trust_score": 81.76
  },
  {
    "confidence_score": 0.7125,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_ABOVE_REJECT_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-012",
      "TRUST-RSN-014"
    ],
    "recommendation": "REJECT",
    "risk_category": "CRITICAL",
    "risk_probability": 0.759511,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "BANKA-INSUFFICIENT_METADATA-005",
    "trust_score": 24.05
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.214165,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "BANKA-NEW_DEVICE-002",
    "trust_score": 78.58
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-013",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.032295,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "BANKA-NORMAL-001",
    "trust_score": 96.77
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-004",
      "TRUST-RSN-005",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.190002,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "BANKA-UNUSUAL_CORRIDOR-004",
    "trust_score": 81.0
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-001",
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.182426,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "FINC-HIGH_VELOCITY-003",
    "trust_score": 81.76
  },
  {
    "confidence_score": 0.7125,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_ABOVE_REJECT_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-012",
      "TRUST-RSN-014"
    ],
    "recommendation": "REJECT",
    "risk_category": "CRITICAL",
    "risk_probability": 0.759511,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "FINC-INSUFFICIENT_METADATA-005",
    "trust_score": 24.05
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.214165,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "FINC-NEW_DEVICE-002",
    "trust_score": 78.58
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-013",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.032295,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "FINC-NORMAL-001",
    "trust_score": 96.77
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_ABOVE_STEP_UP_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-005",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "STEP_UP_AUTHENTICATION",
    "risk_category": "HIGH",
    "risk_probability": 0.524979,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "FINC-UNUSUAL_CORRIDOR-004",
    "trust_score": 47.5
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-001",
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.182426,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "MNOB-HIGH_VELOCITY-003",
    "trust_score": 81.76
  },
  {
    "confidence_score": 0.7125,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_ABOVE_REJECT_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-012",
      "TRUST-RSN-014"
    ],
    "recommendation": "REJECT",
    "risk_category": "CRITICAL",
    "risk_probability": 0.759511,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "MNOB-INSUFFICIENT_METADATA-005",
    "trust_score": 24.05
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-003",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.214165,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "MNOB-NEW_DEVICE-002",
    "trust_score": 78.58
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-004",
      "TRUST-RSN-007",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-013",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.032295,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "MNOB-NORMAL-001",
    "trust_score": 96.77
  },
  {
    "confidence_score": 1.0,
    "institution_retains_final_decision": true,
    "policy_reason": "RISK_WITHIN_APPROVE_THRESHOLD",
    "policy_version": "1.0.0-DEMO",
    "reason_codes": [
      "TRUST-RSN-004",
      "TRUST-RSN-005",
      "TRUST-RSN-009",
      "TRUST-RSN-011",
      "TRUST-RSN-015"
    ],
    "recommendation": "APPROVE",
    "risk_category": "LOW",
    "risk_probability": 0.190002,
    "stage": "09",
    "transaction_authorization": false,
    "transaction_id": "MNOB-UNUSUAL_CORRIDOR-004",
    "trust_score": 81.0
  }
]

5. Authority

Final transaction authority remains with the institution.

Evaluator question

Expected evidence

Is the capability clearly bounded?

The page and manual should state what the component does and what it explicitly does not do.

Is source evidence visible?

The capability should identify or link to the evidence used to produce the displayed result.

Is version information available?

Model, SDK, policy, adapter or implementation version should be available where relevant.

Can the result be reconstructed?

Identifiers and upstream/downstream evidence should make replay or reconstruction possible.

Does the component fail safely?

Missing or unsupported evidence must not be converted into invented facts.

Is institutional authority preserved?

TRUST may advise, but final transaction authority remains with the institution.