Dormancy Policies

Configure risk rules, thresholds and cooling-off parameters. Every change is captured in the audit log; publishing bumps the version and requires a signed change note.

Active v3

Risk thresholds & cooling-off

Green ≤ auto-approval · Amber ≤ manual review · Red ≥ rejection.

Auto-approval score (≤)

Manual review score (≤)

Rejection score (≥)

Cooling-off hours

Cooling-off txn limit (KES)

KES 20,000

High-value threshold (KES)

KES 500,000

Max MPIN attempts

Max OTP attempts

KYC expiry (months)

Dormancy period (days)

Pre-dormancy warning (days)

Risk rules · 18

Each rule contributes points to the request's risk score. Negative points reduce the score.

Key	Label	Severity	Points	Description
recent_sim_swap	Recent SIM swap	high	+40	SIM changed in last 24h
impossible_travel	Impossible travel	high	+25	Session geography inconsistent
face_match_low	Face match below threshold	high	+30	Face score < 0.75
unknown_device	Unknown device	medium	+15	First-seen device in this session
failed_mpin_attempts	Failed MPIN attempts	medium	+10	≥ 2 failed MPIN attempts
failed_otp_attempts	Failed OTP attempts	medium	+10	≥ 2 failed OTP attempts
expired_kyc	Expired KYC	medium	+15	KYC older than 24 months
kyc_declared_changes	KYC declared changes	medium	+13	Member declared updated KYC
high_balance	High balance	low	+10	Balance above KES 100,000
dormancy_years_gt_1	Dormant > 1 year	low	+8	Dormant for 12+ months
dormancy_years_gt_3	Dormant > 3 years	medium	+10	Dormant for 3+ years
aml_hold	Active AML hold	critical	+50	Existing AML investigation
deceased_flag	Deceased flag	critical	+100	Deceased flag on member record
legal_restriction	Legal restriction	critical	+90	Court order or freeze in effect
unclaimed_asset_pending	Unclaimed asset pending	high	+30	Account flagged for UFAA remittance
open_fraud_alert	Open fraud alert	high	+30	Linked to an open FraudShield case
trusted_device	Trusted device	info	-10	Recognised from prior success
long_msisdn_tenure	Long MSISDN tenure	info	-5	MSISDN registered 5+ years

Draft actions: