Independent review

Keep the decision separate from preparation and tied to the exact instruction revision. The record stays with the organization that owns the work. Each handoff has a named owner and a source record that the next person can inspect. This makes the decision and its provider outcome traceable to the same instruction.

• Prepare. Record the operating context and source references before changing the status.
• Decide. Use the appropriate role to check the current revision and supporting evidence.
• Verify. Compare the recorded outcome with the provider event and retain exceptions.

Review decisions records the reviewer, source revision, decision, reason and decision time against its parent instruction. The Independent Credit Approver checks organization scope and reviewer independence before deciding. An approval moves an instruction toward provider submission; a rejection or return needs a reason that a preparer can act on. Operation receipts holds the stable key and expected revision of a guarded operation, so a repeated request can be identified without making a second decision.

Agree which organization owns each account and counterparty, who may prepare an instruction and who may independently decide it. Define where provider references, confirmations and balance snapshots arrive. Give each person the minimum scope needed for their role, including what may be shared in attachments. Choose one real account movement for the first rehearsal and retain its provider source identifiers.

The team should also agree when a returned record needs a fresh revision. Provider events can arrive after an internal action, so an operational status should reflect the observed event. Keep the timing and reason for correction on the related record. This helps the next shift understand why an item is still waiting.

Consider an instruction whose amount changed after a Credit Officer submitted it. The reviewer compares the source revision with the current instruction revision before acting. If they differ, the officer prepares a new review request. When a decision is recorded, the parent instruction and decision row must agree; an approved status without its corresponding decision is not a clean handoff to provider submission. Walk through the case with the preparer, reviewer and reconciler together. Ask each person to point to the record they used and the event that made the next state valid. Check the same case in an ordinary screen and in the exception list, then verify that an unauthorized actor cannot make the decision.

• Instructions in Review — Follow the records that need the module’s next action.
• Approved Instructions — Check the subsequent state against its source information.

See the related process and the data model for the record handoff.