Most offices already do the review. The question is whether the file can prove it.
Today the proof is in your inbox, your call notes, your memory. The record puts it in the file — before the money moves.
You can prove the review at three moments. Only one of them is yours to choose.
You review the instructions and record what you checked. You are in control, and the file is built before a dollar moves.
The funds move. The point of no return — once they're disbursed, getting them back is rare.
An auditor, attorney, or insurer asks what was checked. Now you are reconstructing it from memory, if anyone still remembers.
Veto is the record of the review you do before. See a sample ↓
Pacific Coast Escrow, Long Beach
- Disbursement
- Seller proceeds · $312,480.00
- What changed
- Destination account
- Change via
- email · domain not verified
- Account name
- no payee match
- Callback
- number on file · no answer
- Seller auth.
- not on file
- Evidence retained
- 5 of 6
- Office action
- Hold pending authorization
- Reviewer
- J. Martinez · before release
Veto records the review. It does not approve, authorize, guarantee, insure, verify, release funds, or make wires safe to send. The escrow office remains the release authority.
One review. One disbursement.
Which file, and who reviewed it. That is all the top of the record carries — so it is all you hold right now. Still a draft, until the office finishes.
What is going out.
The seller's net proceeds — three hundred twelve thousand dollars, heading out the door.
The account changed.
At the last minute, the instructions point the money somewhere new. That is the moment to slow down, not speed up.
How the change arrived.
By email, from a domain the office had not seen before. Recorded exactly as it came in — not waved through.
The name doesn't match.
The new account isn't in the seller's name. A second thing that doesn't line up.
The callback.
The office called the seller on the number already in the file — not one from the email. No answer yet.
No signed authorization.
There is no signed instruction from the seller for the change. Without it, the file cannot show the office had the right to send.
What's in hand, and what isn't.
Five of the six things the office expects are on file. The record names the missing one instead of pretending it isn't.
The office held the disbursement.
Veto did not make that call. The office did. Veto recorded that the disbursement was held, and why.
Who, and when.
A named reviewer, and the fact that this happened before any money moved — not reconstructed after.
What Veto does not do.
Veto records the review. It does not approve, authorize, guarantee, or release. The office stays the release authority. That is the whole record — read one line at a time.
One review of one disbursement, made before the money moves.
It shows what changed, what the office checked, what stayed open, who reviewed it, and what the office decided — in one file-ready record. Not a note. Not a checklist. A record the file can show later, to an auditor, an attorney, an insurer, or a regulator.
Every line records the claim, its source, the check, the result, and the limitation. Read the standard →
What the Veto Record is, how it works, and why the file should show the review.
The review already happens. This is the record of it.
One disbursement, reviewed and recorded before the money moves, so no one has to rebuild it from memory. The office decides. Veto records the review.
Read a finished record. See a full Veto Record →
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