What the file should show before high-risk funds move.
The Veto Record is a file-ready record of disbursement review. Every row follows the same grammar.
Evidence grammar
Every check on a Veto Record follows five fields. No field is optional.
What the record contains
What Veto does not do
Veto records the review. It does not approve, authorize, guarantee, insure, verify, release funds, validate identities, confirm bank accounts, authenticate payees, or make wires safe to send.
The escrow office remains the release authority. Nothing in the record replaces the office's judgment.
Questions you'll get asked.
"We already do the review. Why do we need this?"
You do the review. Can the file prove it six months later, to someone who never handled the transaction? The Veto Record puts what you already do on the record.
"Does this slow us down?"
One file, one record. A Veto Record takes about as long as the review itself — the review you're already doing. It documents the review; it doesn't add one.
"Is this a compliance requirement?"
No. Veto is not a compliance product. There is no regulation requiring this specific record. The question is whether the file can prove the review happened — that's an operational question, not a compliance checkbox.
"What if we don't want a hold on the record?"
The office decides the action — hold, release, reject, escalate. Veto records whatever the office did. If you release, the record says you released and why.
"Who sees the record?"
You export a PDF. It goes in your file. Veto does not share records with anyone. The office controls the file.
"What about the gaps? Won't they look bad?"
A good record doesn't hide the gap. It states what the office could not confirm before acting. That's stronger than a checklist that pretends everything passed.