DeskProcess OS
Overlay · not the system of recordHolds sit above scoreAsk Desk is deterministic — no modelLocal

This shift

Holds4
Need more6
P111
Open32
01HoldBanking operationsP1Cannot auto-clear

Outgoing wire held on OFAC near-match

Name similarity 0.81 against an SDN alias. Wire cutoff in 3 hours. Commercial relationship is 11 years, no prior hits.

Ask · Second identifier — legal name, address, or DBA on the invoice

Open packet

Then

  1. 02OCC MRIA — model risk documentationRegulatory analyst · Exam / MRIA · P1
  2. 03Batch genealogy mismatchProcess engineering · Quality hold · P1
  3. 04BSA exam in 40 days — SAR evidence thinRegulatory analyst · Exam / MRIA · P2

Need more

  1. 01Elder account — new bill-pay payeesFraud analyst · Call the trusted contact, not the number that initiated the payments
  2. 02POA and customer both moving moneyFraud analyst · Freeze both instructions. Escalate to the elder specialist, not SAR-first
  3. 03Dormant deposit, sudden outgoing activityBanking operations · Verify the executor packet before anything else leaves
  4. 04DORA overlap for EU branchRegulatory analyst · Harm is high or the packet is incomplete. Do not auto-clear.
  5. 05CNP spend while customer is travelingFraud analyst · Packet incomplete

Desks

Add
Banking operations1hold2need3p18openHold · Outgoing wire held on OFAC near-matchFIS / Jack Henry / SalesforceRegulatory analyst2hold1need3p18openHold · OCC MRIA — model risk documentationIBM OpenPages / GRCFraud analyst0hold3need3p18openP1 · Elder account — new bill-pay payeesActimize / Falcon / in-house TMProcess engineering1hold0need2p18openHold · Batch genealogy mismatchOSIsoft PI / MES / TrackWise