Settings & governance
Meridian Commercial Bank (MCBL) · ProofStack 4.7.2 · pipeline pl-2026.07.3
Automation level by decision class
Read-only — locked classes require human decision| Decision class | Automation level | Locked | Note | |
|---|---|---|---|---|
| Credit — limit renewal, no adverse change | Auto-decide with review | Adjustable | Sampled at 10% for checker review | |
| Credit — limit enhancement | Recommend | Adjustable | ||
| Credit — decline or reduction | Advise | ⚿Locked | Customer-detrimental outcome — locked to human decision | |
| KYC — onboarding accept | Auto-decide | Adjustable | ||
| KYC — onboarding reject | Advise | ⚿Locked | Customer-detrimental outcome — locked to human decision | |
| Trade — discrepancy determination | Recommend | Adjustable | Checker determination always required under UCP | |
| Collections — SARFAESI notice issue | Advise | ⚿Locked | Customer-detrimental outcome — locked to human decision | |
| Disputes — representment assembly | Auto-decide with review | Adjustable |
Confidence thresholds
Changes require named approval| Pack | Field | Threshold | Changed at | Changed by | Approved by | |
|---|---|---|---|---|---|---|
| P1 Credit | Balance-sheet and P&L fields | 0.85 | 18 May 2026 | Rekha Joshi | Board Risk Committee, 16 May 2026 | |
| P1 Credit | Handwritten stock and debtor fields | 0.93 | 14 Jun 2026 | Rekha Joshi | Board Risk Committee, 12 Jun 2026 | |
| P2 Trade | All examination fields | 0.91 | 29 Jul 2026 | Rekha Joshi | Kavita Menon under delegated authority, ratification due 14 Aug 2026 | |
| P3 KYC | Identity document fields | 0.96 | 02 Apr 2026 | Imran Shaikh | Board Risk Committee, 28 Mar 2026 |