fraud-escalation

# Fraud & Escalation Gate > Implements BR-003 (escalate high-value or high-risk). Overrides an > `approve_candidate` from policy-eligibility when a gate fires. ## Operational contract - **Inputs**: the case object, completeness verdict, and eligibility verdict if available. - **Outputs**: `escalate | proceed` + a risk rationale. - **Deps**: `customer_get_profile` fields (`lifetime_return_rate`, `account_status`). - **Idempotency**: pure function of inputs. - **Failure behavior**: unknown risk data is incomplete, never permission to finalize a refund or denial. Preserve known risk from the case/order even without a profile. ## Procedure 1. **BR-003 gates** — escalate if ANY: - `refund_amount > 250` (auto-approve ceiling), OR - `lifetime_return_rate ≥ 0.40` (serial-returner risk), OR - `account_status == review_flagged`, OR - `days_since_delivery > 30` AND a plausible override reason needs human judgement. 2. If a gate fires → `escalate_to_supervisor`, even with incomplete reason/photos or a missing customer profile; require the authenticated supervisor gate. 3. If no gate fires and evidence is incomplete → `request_more_info` (BR-004). After an earlier unanswered information request, use the supervisor gate. Otherwise → `proceed` (carry the eligibility verdict forward). 4. Emit the escalation reason for the audit record (BR-005). ## Output schema ```json { "decision": "escalate | proceed", "gates_fired": ["value_ceiling", "serial_returner"], "escalation": { "reason": "Refund $1,180 > $250 ceiling", "queue": "returns-supervisors" } } ```