Account checks are evidence, not approval

Every escrow office has a callback procedure before a high-risk wire. Call the party. Confirm the account. Note the time. Move on.

But what does that callback actually prove?

It proves someone answered a phone number already on file and said "yes, that's my account." It does not prove the account belongs to the seller. It does not prove the instructions were not intercepted before they arrived. It does not prove the person on the phone is who they claim to be.

The callback is evidence of a step taken. It is not approval to release.

This distinction matters because when something goes wrong — when a wire is misdirected, when an account turns out to be fraudulent, when auditors or insurers ask questions — the question is rarely "did you do a callback?" The question is: "What did the office know, what was checked, and what judgment was made before release?"

That is what the Veto Record holds. Not just the callback, but the full picture: what changed, what was retained, what was checked, what stayed open, who reviewed it, and what action the office took.

The callback goes into the record. So does everything else. The record is the proof that review happened with care, not just with speed.

Evidence is not approval. The office decides. The record is the proof that review happened.

Run the self-audit on one closed file, or start a Veto Record on a redacted copy.